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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 22  Filed by: LANDY R JOSEPH</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+22++Filed+by%3A+LANDY+R+JOSEPH/27089547.html</link>
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   <pubDate>Tue, 22 Sep 2026 10:55:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: LANDY R JOSEPH</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+LANDY+R+JOSEPH/27065622.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:59:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: DePaola Rinaldo A</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+DePaola+Rinaldo+A/27065585.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:55:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: Hilfiger Janie M</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+Hilfiger+Janie+M/27065530.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:51:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
   	  </item>
  <item>
   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: Painter John P II</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+Painter+John+P+II/27065505.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:48:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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  <item>
   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: Behm John D</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+Behm+John+D/27065470.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:44:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: BOWER JOSEPH B JR</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+BOWER+JOSEPH+B+JR/27065374.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:38:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: Freeman Thomas E.</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+Freeman+Thomas+E./27065320.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:33:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: KUNES CHRISTOPHER W</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+KUNES+CHRISTOPHER+W/27065265.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:30:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: Chappell Robert W</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+Chappell+Robert+W/27065196.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:26:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: OSBORNE TERRY B</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+OSBORNE+TERRY+B/27065152.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:22:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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  <item>
   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: JONES MICKEY L</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+JONES+MICKEY+L/27065087.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:17:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
   	  </item>
  <item>
   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Sep 15  Filed by: GRAHAM ROGER C JR</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Sep+15++Filed+by%3A+GRAHAM+ROGER+C+JR/27064981.html</link>
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   <pubDate>Tue, 15 Sep 2026 16:13:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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  <item>
   <title>Form  10-Q       CITIZENS FINANCIAL SERVI  For: Jun 30</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++10-Q+++++++CITIZENS+FINANCIAL+SERVI++For%3A+Jun+30/26877634.html</link>
   <description>
&lt;p&gt;&lt;a target=&quot;_blank&quot; href=&quot;http://archive.fast-edgar.com/20260806/AS2ZR22CZW22B9J222222Z42GOLPZC22DW82&quot;&gt;http://archive.fast-edgar.com/20260806/AS2ZR22CZW22B9J222222Z42GOLPZC22DW82&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;
Filed on: August 6, 2026
&lt;/p&gt;
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   <pubDate>Thu, 06 Aug 2026 06:07:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
   	   	<category domain="http://rss.financialcontent.com/stocksymbol">O.00186337</category>
   	  </item>
  <item>
   <title>Form  10-Q       CITIZENS FINANCIAL SERVI  For: Jun 30</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++10-Q+++++++CITIZENS+FINANCIAL+SERVI++For%3A+Jun+30/26877634.html</link>
   <description>
&lt;p&gt;&lt;a target=&quot;_blank&quot; href=&quot;http://archive.fast-edgar.com/20260806/AS2ZR22CZW22B9J222222Z42GOLPZC22DW82&quot;&gt;http://archive.fast-edgar.com/20260806/AS2ZR22CZW22B9J222222Z42GOLPZC22DW82&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;
Filed on: August 6, 2026
&lt;/p&gt;
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   <pubDate>Thu, 06 Aug 2026 06:07:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
   	   	<category domain="http://rss.financialcontent.com/stocksymbol">O.00186337</category>
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   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Aug 05  Filed by: Painter John P II</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Aug+05++Filed+by%3A+Painter+John+P+II/26873750.html</link>
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   <pubDate>Wed, 05 Aug 2026 16:04:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
   	   	<category domain="http://rss.financialcontent.com/stocksymbol">O.00186337</category>
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  <item>
   <title>Form  4          CITIZENS FINANCIAL SERVI  For: Aug 05  Filed by: Painter John P II</title>
   <link>http://www.streetinsider.com/SEC+Filings/Form++4++++++++++CITIZENS+FINANCIAL+SERVI++For%3A+Aug+05++Filed+by%3A+Painter+John+P+II/26873750.html</link>
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   <pubDate>Wed, 05 Aug 2026 16:04:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
   	   	<category domain="http://rss.financialcontent.com/stocksymbol">O.00186337</category>
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   <title>Citizens Financial Services, Inc. (CZFS) Tops Q2 EPS by 19c</title>
   <link>http://www.streetinsider.com/Earnings/Citizens+Financial+Services%2C+Inc.+%28CZFS%29+Tops+Q2+EPS+by+19c/26838726.html</link>
   <description>&lt;p&gt;Citizens Financial Services, Inc. (NASDAQ: CZFS) reported Q2 EPS of $2.12, $0.19 better than the analyst estimate of $1.93. Revenue for the quarter came in at $29.71 million, versus $0 reported last year.&lt;/p&gt;&lt;p&gt;For earnings history and earnings-related data on Citizens Financial Services, Inc. (CZFS) &lt;a href=&quot;http://www.streetinsider.com/ec_earnings.php?q=CZFS&quot;&gt;click here&lt;/a&gt;.&lt;/p&gt;</description>
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   <pubDate>Thu, 30 Jul 2026 07:23:14 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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   <title>CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS</title>
   <link>http://www.streetinsider.com/Press+Releases/CITIZENS+FINANCIAL+SERVICES%2C+INC.+REPORTS+UNAUDITED+SECOND+QUARTER+2026+FINANCIAL+RESULTS/26838590.html</link>
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&lt;div class=&quot;xn-content&quot;&gt;
&lt;p&gt;&lt;span class=&quot;legendSpanClass&quot;&gt;&lt;location value=&quot;LU/us.pa.maneld&quot; idsrc=&quot;xmltag.org&quot; &gt;MANSFIELD, Pa.&lt;/location&gt;&lt;/span&gt;, &lt;span class=&quot;legendSpanClass&quot;&gt;&lt;chron&gt;July 30, 2026&lt;/chron&gt;&lt;/span&gt; /PRNewswire/ -- &lt;span value=&quot;NASDAQ-NMS:CZFS&quot; idsrc=&quot;xmltag.org&quot; &gt;Citizens Financial Services, Inc&lt;/span&gt; (Nasdaq: CZFS), parent company of &lt;span value=&quot;ACORN:0691426108&quot; idsrc=&quot;xmltag.org&quot; &gt;First Citizens Community Bank&lt;/span&gt; (the &quot;Bank&quot;), released today its unaudited consolidated financial results for the three and six months ended &lt;chron&gt;June 30, 2026&lt;/chron&gt;.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Highlights&lt;/b&gt;&lt;/p&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;li&gt;Net income for the first six months of 2026 was &lt;money&gt;$20.6 million&lt;/money&gt;, which was &lt;money&gt;$4.5 million&lt;/money&gt;, or 27.9% more than 2025's net income through &lt;chron&gt;June 30, 2025&lt;/chron&gt; due to the increase in net interest income after the provision for credit losses of &lt;money&gt;$5.5 million&lt;/money&gt;. The effective tax rate for</description>
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   <pubDate>Thu, 30 Jul 2026 07:10:00 -0400</pubDate>
      	<category domain="http://rss.financialcontent.com/stocksymbol">A.06914261</category>
   	   	<category domain="http://rss.financialcontent.com/stocksymbol">CZFS</category>
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  <item>
   <title>CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS</title>
   <link>http://www.streetinsider.com/Press+Releases/CITIZENS+FINANCIAL+SERVICES%2C+INC.+REPORTS+UNAUDITED+SECOND+QUARTER+2026+FINANCIAL+RESULTS/26838590.html</link>
   <description>
&lt;div class=&quot;xn-content&quot;&gt;
&lt;p&gt;&lt;span class=&quot;legendSpanClass&quot;&gt;&lt;location value=&quot;LU/us.pa.maneld&quot; idsrc=&quot;xmltag.org&quot; &gt;MANSFIELD, Pa.&lt;/location&gt;&lt;/span&gt;, &lt;span class=&quot;legendSpanClass&quot;&gt;&lt;chron&gt;July 30, 2026&lt;/chron&gt;&lt;/span&gt; /PRNewswire/ -- &lt;span value=&quot;NASDAQ-NMS:CZFS&quot; idsrc=&quot;xmltag.org&quot; &gt;Citizens Financial Services, Inc&lt;/span&gt; (Nasdaq: CZFS), parent company of &lt;span value=&quot;ACORN:0691426108&quot; idsrc=&quot;xmltag.org&quot; &gt;First Citizens Community Bank&lt;/span&gt; (the &quot;Bank&quot;), released today its unaudited consolidated financial results for the three and six months ended &lt;chron&gt;June 30, 2026&lt;/chron&gt;.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Highlights&lt;/b&gt;&lt;/p&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;li&gt;Net income for the first six months of 2026 was &lt;money&gt;$20.6 million&lt;/money&gt;, which was &lt;money&gt;$4.5 million&lt;/money&gt;, or 27.9% more than 2025's net income through &lt;chron&gt;June 30, 2025&lt;/chron&gt; due to the increase in net interest income after the provision for credit losses of &lt;money&gt;$5.5 million&lt;/money&gt;. The effective tax rate for</description>
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   <pubDate>Thu, 30 Jul 2026 07:10:00 -0400</pubDate>
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   <title>CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS</title>
   <link>http://www.streetinsider.com/Press+Releases/CITIZENS+FINANCIAL+SERVICES%2C+INC.+REPORTS+UNAUDITED+SECOND+QUARTER+2026+FINANCIAL+RESULTS/26838590.html</link>
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&lt;div class=&quot;xn-content&quot;&gt;
&lt;p&gt;&lt;span class=&quot;legendSpanClass&quot;&gt;&lt;location value=&quot;LU/us.pa.maneld&quot; idsrc=&quot;xmltag.org&quot; &gt;MANSFIELD, Pa.&lt;/location&gt;&lt;/span&gt;, &lt;span class=&quot;legendSpanClass&quot;&gt;&lt;chron&gt;July 30, 2026&lt;/chron&gt;&lt;/span&gt; /PRNewswire/ -- &lt;span value=&quot;NASDAQ-NMS:CZFS&quot; idsrc=&quot;xmltag.org&quot; &gt;Citizens Financial Services, Inc&lt;/span&gt; (Nasdaq: CZFS), parent company of &lt;span value=&quot;ACORN:0691426108&quot; idsrc=&quot;xmltag.org&quot; &gt;First Citizens Community Bank&lt;/span&gt; (the &quot;Bank&quot;), released today its unaudited consolidated financial results for the three and six months ended &lt;chron&gt;June 30, 2026&lt;/chron&gt;.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Highlights&lt;/b&gt;&lt;/p&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;li&gt;Net income for the first six months of 2026 was &lt;money&gt;$20.6 million&lt;/money&gt;, which was &lt;money&gt;$4.5 million&lt;/money&gt;, or 27.9% more than 2025's net income through &lt;chron&gt;June 30, 2025&lt;/chron&gt; due to the increase in net interest income after the provision for credit losses of &lt;money&gt;$5.5 million&lt;/money&gt;. The effective tax rate for</description>
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   <pubDate>Thu, 30 Jul 2026 07:10:00 -0400</pubDate>
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   <title>CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS</title>
   <link>http://www.streetinsider.com/Press+Releases/CITIZENS+FINANCIAL+SERVICES%2C+INC.+REPORTS+UNAUDITED+SECOND+QUARTER+2026+FINANCIAL+RESULTS/26838590.html</link>
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&lt;p&gt;&lt;span class=&quot;legendSpanClass&quot;&gt;&lt;location value=&quot;LU/us.pa.maneld&quot; idsrc=&quot;xmltag.org&quot; &gt;MANSFIELD, Pa.&lt;/location&gt;&lt;/span&gt;, &lt;span class=&quot;legendSpanClass&quot;&gt;&lt;chron&gt;July 30, 2026&lt;/chron&gt;&lt;/span&gt; /PRNewswire/ -- &lt;span value=&quot;NASDAQ-NMS:CZFS&quot; idsrc=&quot;xmltag.org&quot; &gt;Citizens Financial Services, Inc&lt;/span&gt; (Nasdaq: CZFS), parent company of &lt;span value=&quot;ACORN:0691426108&quot; idsrc=&quot;xmltag.org&quot; &gt;First Citizens Community Bank&lt;/span&gt; (the &quot;Bank&quot;), released today its unaudited consolidated financial results for the three and six months ended &lt;chron&gt;June 30, 2026&lt;/chron&gt;.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Highlights&lt;/b&gt;&lt;/p&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;li&gt;Net income for the first six months of 2026 was &lt;money&gt;$20.6 million&lt;/money&gt;, which was &lt;money&gt;$4.5 million&lt;/money&gt;, or 27.9% more than 2025's net income through &lt;chron&gt;June 30, 2025&lt;/chron&gt; due to the increase in net interest income after the provision for credit losses of &lt;money&gt;$5.5 million&lt;/money&gt;. The effective tax rate for</description>
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   <pubDate>Thu, 30 Jul 2026 07:10:00 -0400</pubDate>
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   <title>CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS</title>
   <link>http://www.streetinsider.com/PRNewswire/CITIZENS+FINANCIAL+SERVICES%2C+INC.+REPORTS+UNAUDITED+SECOND+QUARTER+2026+FINANCIAL+RESULTS/26838590.html</link>
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&lt;div class=&quot;xn-content&quot;&gt;
&lt;p&gt;&lt;span class=&quot;legendSpanClass&quot;&gt;&lt;location value=&quot;LU/us.pa.maneld&quot; idsrc=&quot;xmltag.org&quot; &gt;MANSFIELD, Pa.&lt;/location&gt;&lt;/span&gt;, &lt;span class=&quot;legendSpanClass&quot;&gt;&lt;chron&gt;July 30, 2026&lt;/chron&gt;&lt;/span&gt; /PRNewswire/ -- &lt;span value=&quot;NASDAQ-NMS:CZFS&quot; idsrc=&quot;xmltag.org&quot; &gt;Citizens Financial Services, Inc&lt;/span&gt; (Nasdaq: CZFS), parent company of &lt;span value=&quot;ACORN:0691426108&quot; idsrc=&quot;xmltag.org&quot; &gt;First Citizens Community Bank&lt;/span&gt; (the &quot;Bank&quot;), released today its unaudited consolidated financial results for the three and six months ended &lt;chron&gt;June 30, 2026&lt;/chron&gt;.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Highlights&lt;/b&gt;&lt;/p&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;li&gt;Net income for the first six months of 2026 was &lt;money&gt;$20.6 million&lt;/money&gt;, which was &lt;money&gt;$4.5 million&lt;/money&gt;, or 27.9% more than 2025's net income through &lt;chron&gt;June 30, 2025&lt;/chron&gt; due to the increase in net interest income after the provision for credit losses of &lt;money&gt;$5.5 million&lt;/money&gt;. The effective tax rate for</description>
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   <title>CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS</title>
   <link>http://www.streetinsider.com/PRNewswire/CITIZENS+FINANCIAL+SERVICES%2C+INC.+REPORTS+UNAUDITED+SECOND+QUARTER+2026+FINANCIAL+RESULTS/26838590.html</link>
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&lt;p&gt;&lt;span class=&quot;legendSpanClass&quot;&gt;&lt;location value=&quot;LU/us.pa.maneld&quot; idsrc=&quot;xmltag.org&quot; &gt;MANSFIELD, Pa.&lt;/location&gt;&lt;/span&gt;, &lt;span class=&quot;legendSpanClass&quot;&gt;&lt;chron&gt;July 30, 2026&lt;/chron&gt;&lt;/span&gt; /PRNewswire/ -- &lt;span value=&quot;NASDAQ-NMS:CZFS&quot; idsrc=&quot;xmltag.org&quot; &gt;Citizens Financial Services, Inc&lt;/span&gt; (Nasdaq: CZFS), parent company of &lt;span value=&quot;ACORN:0691426108&quot; idsrc=&quot;xmltag.org&quot; &gt;First Citizens Community Bank&lt;/span&gt; (the &quot;Bank&quot;), released today its unaudited consolidated financial results for the three and six months ended &lt;chron&gt;June 30, 2026&lt;/chron&gt;.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Highlights&lt;/b&gt;&lt;/p&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;li&gt;Net income for the first six months of 2026 was &lt;money&gt;$20.6 million&lt;/money&gt;, which was &lt;money&gt;$4.5 million&lt;/money&gt;, or 27.9% more than 2025's net income through &lt;chron&gt;June 30, 2025&lt;/chron&gt; due to the increase in net interest income after the provision for credit losses of &lt;money&gt;$5.5 million&lt;/money&gt;. The effective tax rate for</description>
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   <title>CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS</title>
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&lt;p&gt;&lt;span class=&quot;legendSpanClass&quot;&gt;&lt;location value=&quot;LU/us.pa.maneld&quot; idsrc=&quot;xmltag.org&quot; &gt;MANSFIELD, Pa.&lt;/location&gt;&lt;/span&gt;, &lt;span class=&quot;legendSpanClass&quot;&gt;&lt;chron&gt;July 30, 2026&lt;/chron&gt;&lt;/span&gt; /PRNewswire/ -- &lt;span value=&quot;NASDAQ-NMS:CZFS&quot; idsrc=&quot;xmltag.org&quot; &gt;Citizens Financial Services, Inc&lt;/span&gt; (Nasdaq: CZFS), parent company of &lt;span value=&quot;ACORN:0691426108&quot; idsrc=&quot;xmltag.org&quot; &gt;First Citizens Community Bank&lt;/span&gt; (the &quot;Bank&quot;), released today its unaudited consolidated financial results for the three and six months ended &lt;chron&gt;June 30, 2026&lt;/chron&gt;.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Highlights&lt;/b&gt;&lt;/p&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;li&gt;Net income for the first six months of 2026 was &lt;money&gt;$20.6 million&lt;/money&gt;, which was &lt;money&gt;$4.5 million&lt;/money&gt;, or 27.9% more than 2025's net income through &lt;chron&gt;June 30, 2025&lt;/chron&gt; due to the increase in net interest income after the provision for credit losses of &lt;money&gt;$5.5 million&lt;/money&gt;. The effective tax rate for</description>
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