CZFS annual meeting presentation shows 2024 net income $27.8M, highlights challenges

CITIZENS FINANCIAL SERVICES INC

2024 net income $27.8M (core EPS $6.00 diluted) vs $17.8M in 2023.
Total assets $3.03B; deposits $2.38B; loans/deposits 97.52%.
Core ROAE 9.84% in 2024 (down from 12.01% in 2023); efficiency ratio 61.89%.
Asset quality: NPAs/assets rose to 0.95% from 0.44% in 2023.
Challenges cited: inverted yield curve, tariffs, regulatory environment, labor force.

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