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Citizens Financial Services (CZFS) investor relations material
Citizens Financial Services Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income for the first six months of 2025 rose 30.8% year-over-year to $16.1 million, with EPS up 30.9% to $3.35; quarterly net income increased 60% to $8.5 million, with EPS at $1.76.
Growth in net interest income and lower provision for credit losses drove improved profitability.
Effective tax rate increased to 18.7% for the first half and 18.8% for Q2 2025, compared to 17.4% in the prior year periods.
Financial highlights
Net interest income for six months increased 10.4% to $46.7 million; Q2 net interest income rose 11.0% to $23.6 million.
Non-interest income for six months decreased 14.6% to $7.1 million, mainly due to a prior-year gain on sale of a division; quarterly non-interest income rose 9.9%.
Non-interest expenses for six months decreased 1.0% to $32.6 million; Q2 expenses fell by $99,000 to $16.1 million.
Total assets at June 30, 2025 were $2.97 billion, down $58.5 million from year-end 2024, mainly due to a $71.9 million decrease in loans.
Total deposits declined $89.4 million to $2.29 billion; borrowed funds increased $15.5 million to $313.2 million.
Outlook and guidance
Management expects sufficient liquidity from core deposits, FHLB financing, and investment maturities to meet obligations.
The investment strategy focuses on repurchasing mortgage-backed securities and timing purchases for optimal yield.
Management continues to monitor capital adequacy, with a leverage ratio of 9.22% at June 30, 2025, above the well-capitalized threshold.
Management notes ongoing competitive pressure for deposits and continued focus on improving credit metrics of acquired loans.
Forward-looking statements caution about risks from economic conditions, interest rates, and regulatory changes.
Update on HVB acquired non-performing loans
Deposit retention strategy given competitive pressure?
Drivers of lower interest-bearing liability costs?
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Next Citizens Financial Services earnings date
Q3 202530 Oct, 2025
Next Citizens Financial Services earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
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.
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