Citizens Financial Services Investor Relations Material

Citizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank, which provides a range of financial services. The bank offers personal and business banking products, including savings and checking accounts, loans, and mortgages. It also provides wealth management, trust services, and insurance products. Citizens Financial Services primarily serves individuals, businesses, and agricultural clients. The company operates through a network of branch locations across Pennsylvania and New York, focusing on community-oriented banking solutions. The company is headquartered in Mansfield, Pennsylvania, and its shares are listed on the NASDAQ.