Citizens Financial Services Q3 net income rises 19% year over year to $11.92 million
CZFS•Citizens Financial Services’ third-quarter 2026 net income rose 19% year over year to $11.92 million. Net interest income before credit-loss provisions increased 8% to $27.26 million, while non-performing assets more than doubled to $51.54 million at September 30.
1. Third-quarter results
Citizens Financial Services’ third-quarter 2026 net income rose 19% year over year to $11.92 million. Net interest income before credit-loss provisions increased 8% to $27.26 million, driven by organic loan and investment growth. Non-performing assets more than doubled year over year to $51.54 million at September 30, 2026.
