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FCCB Welcomes John Painter to FCCB Corporate Board

| Announcements

FCCB is pleased to announce the addition of John Painter (Westfield, PA) to their Corporate Board. Painter joins 13 other men and women who oversee the affairs of the organization to ensure long-term sustainability and continued growth.

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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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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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