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CITIZENS FINANCIAL SERVICES INC

For the period ended Dec 31, 2025. Filed Mar 12, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 12, 2026

CZFS$86.18+1.5%Stored close · as of Nov 9, 2026

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ITEM 2. – PROPERTIES

The headquarters of the Company and Bank are located at 15 South Main Street, Mansfield, Pennsylvania. The building contains the central offices of the Company and Bank. The Bank owns twenty-five banking facilities and leases twenty-two other facilities.

The net book value of owned banking facilities and leasehold improvements totaled $16,857,000 as of December 31, 2025. The properties are adequate to meet the needs of the employees and customers. We have equipped all of our facilities with current technological improvements for data processing.

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