• Citizens Financial Services posted net income of USD 10.38 million for the quarter ended March 31, 2026, up 36.2%, with basic EPS rising 35.9% to USD 2.16.
• Net interest income climbed 13.5% to USD 26.11 million, while provision for credit losses fell 20% to USD 500,000.
• Net interest margin widened to 3.72% from 3.3%, reflecting a 34-basis-point drop in average cost of interest-bearing liabilities to 2.46%.
• Total deposits increased USD 64.21 million since year-end to USD 2.44 billion, driven by a USD 52.8 million rise in brokered deposits; borrowed funds declined to USD 198.7 million.
• Nonperforming loans rose USD 10.91 million to USD 37.75 million, with four commercial real estate relationships totaling USD 11.7 million moved to non-accrual status.

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: 0001140361-26-019398), on May 07, 2026, and is solely responsible for the information contained therein.