CZFS Q1 net income $10.4M (+36% YoY); EPS $2.16; NPAs surge to $40M (1.74% of loans)

CITIZENS FINANCIAL SERVICES INC

2026-Q1 EPS reported $2.16 revenue$2,337,000

Net income $10.4M vs $7.6M YoY; diluted EPS $2.16 vs $1.59.
Net interest income before provision $26.1M, up 13.5% YoY; net interest margin 3.72%.
Non-performing assets jumped to $40.1M (1.74% of loans) from $29.2M at Dec 31, driven by four commercial real estate loans.
Deposits grew $64.2M to $2.44B, mostly from brokered deposits ($52.8M); loan-to-deposit ratio 94.14%.
Quarterly dividend increased 2% to $0.50 per share, paid March 27, 2026.

item 2.02 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.95

CITIZENS FINANCIAL SERVICES INC reported first quarter 2026 results: net income $10.4 million, EPS $2.16.

Period: first quarter 2026
Net income: $10.4 million
EPS: $2.16
Result: reported results

Exact text from the filing

First Citizens Community Bank (the “Bank”), released today its unaudited consolidated financial results for the three months ended March 31, 2026. Highlights • Net income was $10.4 million for the three months ended March 31, 2026, which is 36.15% more than the net income for 2025’s comparable period. The increase was driven by the increase in net interest income

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Source: SEC EDGAR

accession 0000739421-26-000027

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