• Citizens Financial Services posted Q2 net income of $10.19 million, up 20.4% year over year; EPS rose to $2.12.
• Net interest income climbed 8.7% to $25.69 million as net interest margin widened 0.2 percentage points to 3.67%.
• Provision for credit losses fell to $500,000 from $750,000; non-interest expenses increased 4.8% to $16.87 million.
• Total assets were $3.19 billion at June 30; non-performing assets rose to $43.37 million, or 1.81% of loans.
• Board declared a quarterly cash dividend of $0.51 per share, a 4% increase from a year earlier.

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: 0000739421-26-000071), on July 30, 2026, and is solely responsible for the information contained therein.