Citizens Financial Services, Inc. (CZFS)

CZFS Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	53.3	46.02	56.89	32.27	183.86	82.47
Securities and Investments	433.42	427.66	419.54	441.71	414.67	297.12
Trading Assets	23.8	19.98	23.07	17.32	8.57	14.64
Net Loans	2,220	2,292	2,228	1,706	1,424	1,389
Net Property, Plant & Equipment	21.78	21.4	21.38	17.62	17.02	16.95
Accrued Interest and Accounts Receivable	10.6	10.31	11.04	7.33	5.24	6
Other Intangible Assets	2.53	2.89	3.65	1.27	1.63	1.67
Goodwill	85.76	85.76	85.76	31.38	31.38	31.38
Other Non-Earning Assets	116.44	120.17	126.31	78.04	57.28	51.99
Total Assets	2,967	3,026	2,975	2,333	2,144	1,892
Interest-bearing deposits	1,793	1,849	1,798	1,448	1,478	1,285
Noninterest-bearing deposits	499.25	532.78	523.78	396.26	358.07	303.76
Total Deposits	2,293	2,382	2,321	1,844	1,836	1,589
Trading Liabilities	4.7	5.82	7.92	9.73	2.1	-
Accrued Expenses	2.74	4.69	4.3	1.23	0.71	1.02
Long-Term Debt	313.22	297.72	322.04	257.28	73.98	88.84
Other Liabilities	40.3	35.73	39.92	20.8	18.43	18.7
Total Liabilities	2,654	2,726	2,696	2,133	1,931	1,697
Common Stock	5.26	5.21	5.16	4.43	4.39	4.35
Treasury Stock	-16.39	-16.38	-16.79	-16.97	-16.15	-15.21
Additional Paid-in Capital	147.88	144.98	143.23	80.91	78.4	75.91
Accumulated Other Comprehensive Income	-21.03	-23.52	-24.91	-33.14	-0.16	2.59
Retained Earnings	197.94	189.44	172.98	164.92	146.01	126.63
Shareholders' Equity	313.65	299.73	279.67	200.15	212.49	194.26
Total Liabilities & Equity	2,967	3,026	2,975	2,333	2,144	1,892
Total Debt	313.22	297.72	322.04	257.28	73.98	88.84
Net Cash (Debt)	-313.22	-297.72	-322.04	-257.28	-73.98	-88.84
Net Cash Per Share	-65.73	-62.61	-72.71	-63.44	-18.39	-22.87
Book Value	313.65	299.73	279.67	200.15	212.49	194.26
Book Value Per Share	65.82	63.03	63.14	49.35	52.82	50.00
Tangible Book Value	225.37	211.08	190.26	167.5	179.49	161.22
Tangible Book Value Per Share	47.29	44.39	42.96	41.30	44.61	41.50

Updated Jul 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q