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Doors Open at FCCB Greenville Branch in New Castle County, DE

FCCB has opened its fourth Delaware-based office at 3840 Kennett Pike, Greenville, DE. The new location in Greenville brings the FCCB branch network to a total of 33 community banking offices. Their other Delaware offices include Concord Pike and Kirkwood offices in Wilmington and one office in the heart of Dover.

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Doors Open at FCCB Ephrata Branch in Lancaster County

| Announcements

FCCB has opened its third Lancaster County office at 3630 Rothsville Road, Ephrata, PA. The new location in Ephrata brings the FCCB branch network to a total of 32 retail office locations. The Bank's other Lancaster County offices include a branch in downtown Mount Joy and an in-store branch in Weaver's Store, Denver.

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CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2022 FINANCIAL RESULTS

| CZFS

Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial results for the three and nine months ended September 30, 2022.

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Citizens Financial Services, Inc. and HV Bancorp, Inc. Sign Definitive Merger Agreement

Citizens Financial Services, Inc. and HV Bancorp, Inc. Sign Definitive Merger Agreement

Citizens Financial Services, Inc. (NASDAQ: CZFS) (the Company or CZFS), the holding company for First Citizens Community Bank (FCCB), and HV Bancorp, Inc. (NASDAQ: HVBC) (HVBC), the holding company for Huntingdon Valley Bank (HVB), are pleased to jointly announce entry into a definitive agreement (the Agreement) pursuant to which HVBC will merge with and into CZFS. Under the terms of the Agreement, the shareholders of HVBC will have the right to elect to receive for each share of HVBC common stock either $30.50 in cash or 0.400 shares of CZFS common stock, or approximately $67.4 million in the aggregate. Elections will be subject to proration procedures whereby 80% of the shares of HVBC common stock will be exchanged for CZFS common stock and 20% of the shares of HVBC common stock will be exchanged for cash.

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Citizens Financial Services, Inc. Declares Quarterly Cash Dividend

| CZFS

The Board of Directors of Citizens Financial Services, Inc. (CZFS), the bank holding company for First Citizens Community Bank (FCCB), recently declared a cash dividend for its shareholders.

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