• Citizens Financial Services posted first-quarter net income of $10.4 million, up 36.15%.
• Net interest income before provision for credit losses climbed to $26.1 million, rising 13.5%.
• Tax-equivalent net interest margin widened to 3.72% from 3.3% a year earlier.
• Non-performing assets increased $10.91 million since Dec. 31 to $40.1 million, driven by four commercial real estate loan relationships moved to non-accrual status after passing 90 days past due.
• Board declared quarterly cash dividend of $0.50 per share, up 2%.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Citizens Financial Services Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000739421-26-000027), on April 29, 2026, and is solely responsible for the information contained therein.