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Citizens Financial Services Inc
15 S MAIN ST
Phone: (570) 662-0444p:570 662-0444 MANSFIELD, PA  16933  United States Ticker: CZFSCZFS
Business Summary
Citizens Financial Services, Inc. is a bank holding company for First Citizens Community Bank (the Bank). The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial, and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services. The Bank operates 39 full-service offices, one limited branch office, and four mortgage centers in its market areas. It is engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank and the Banks subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes---

Industries
SIC Code Description
6022 State commercial banks
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board R. JosephLandy 69 9/3/2021 1/1/2001
Chief Executive Officer, President of the Company and the Bank, Vice Chairman of the Board Randall E.Black 57 12/1/2021 4/1/2004
Chief Financial Officer, Executive Vice President of the Company and the Bank Stephen J.Guillaume 47 1/1/2023 11/19/2019
9 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
MIDCOAST COMMUNITY BANCORP, INC 4900 KIRKWOOD HIGHWAY WILMINGTON DE US
MIDCOAST COMMUNITY BANK 4900 KIRKWOOD HIGHWAY WILMINGTON DE US
HV Bancorp Inc 2005 South Easton Road, Suite 304 DOYLESTOWN PA United States
3 additional Subsidiary records available in full report.

Business Names
Business Name
1st Realty of PA, LLC
Citizens Financial Services, Inc.
CZFS
9 additional Business Names available in full report.

General Information
Number of Employees: 401 (As of 12/31/2023)
Outstanding Shares: 4,759,730 (As of 9/30/2024)
Shareholders: 1,898
Stock Exchange: NASD
Federal Tax Id: 232265045
Fax Number: (570) 662-3278
Email Address: fcnb@firstcitizensbank.com


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Monday, December 2, 2024