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Citizens Financial Services, Inc. (Nasdaq: CZFS) is the parent company of FCCB, a regional community bank that has been "making it happen" for our neighbors since 1872. Headquartered in Mansfield, Pennsylvania, we have spent over a century evolving into a regional leader with over 44 locations across four states.

Our value isn't just found in financial results, but in the daily actions, relationships, and history that we have built over more than 150 years. We remain advocates for the local economies that fuel our growth, with deep roots in agriculture and a specialized focus on small business. By putting people at the center of our strategy, we have built a banking model where technology serves to deepen, not replace, our customer connections.

From the Northern Tier to the Delaware Valley, we are focused on the evolution required to remain a strong, independent community bank.

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Investor Presentations

First Quarter 2026

Fourth Quarter 2025

Third Quarter 2025

Second Quarter 2025

First Quarter 2025

Shareholder Resources

Annual Report/10-K

Proxy Statement

2025 Year in Review Booklet

Dividend Reinvestment Plan Prospectus

Tax Basis Information (Form 8937)

2025

2024

2023

2022

2021

2020 B

2020 A

2019

2018

2017

2016

2015

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