Form 8-K

8-K — CITIZENS FINANCIAL SERVICES INC

Accession: 0000739421-26-000021

Filed: 2026-04-21

Period: 2026-04-21

CIK: 0000739421

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — annualmtg26investor.htm (Primary)

EX-99.1 — INVESTOR PRESENTATION APRIL 21, 2026 (investordeck26.htm)

GRAPHIC (investordeck26slide1.jpg)

GRAPHIC (investordeck26slide2.jpg)

GRAPHIC (investordeck26slide3.jpg)

GRAPHIC (investordeck26slide4.jpg)

GRAPHIC (investordeck26slide5.jpg)

GRAPHIC (investordeck26slide6.jpg)

GRAPHIC (investordeck26slide7.jpg)

GRAPHIC (investordeck26slide8.jpg)

GRAPHIC (investordeck26slide9.jpg)

GRAPHIC (investordeck26slide10.jpg)

GRAPHIC (investordeck26slide11.jpg)

GRAPHIC (investordeck26slide12.jpg)

GRAPHIC (investordeck26slide13.jpg)

GRAPHIC (investordeck26slide14.jpg)

GRAPHIC (investordeck26slide15.jpg)

GRAPHIC (investordeck26slide16.jpg)

GRAPHIC (investordeck26slide17.jpg)

GRAPHIC (investordeck26slide18.jpg)

GRAPHIC (investordeck26slide19.jpg)

GRAPHIC (investordeck26slide20.jpg)

GRAPHIC (investordeck26slide21.jpg)

GRAPHIC (investordeck26slide22.jpg)

GRAPHIC (investordeck26slide23.jpg)

GRAPHIC (investordeck26slide24.jpg)

GRAPHIC (investordeck26slide25.jpg)

GRAPHIC (investordeck26slide26.jpg)

GRAPHIC (investordeck26slide27.jpg)

GRAPHIC (investordeck26slide28.jpg)

GRAPHIC (investordeck26slide29.jpg)

GRAPHIC (investordeck26slide30.jpg)

GRAPHIC (investordeck26slide31.jpg)

GRAPHIC (investordeck26slide32.jpg)

GRAPHIC (investordeck26slide33.jpg)

GRAPHIC (investordeck26slide34.jpg)

GRAPHIC (investordeck26slide35.jpg)

GRAPHIC (investordeck26slide36.jpg)

GRAPHIC (investordeck26slide37.jpg)

GRAPHIC (investordeck26slide38.jpg)

GRAPHIC (investordeck26slide39.jpg)

GRAPHIC (investordeck26slide40.jpg)

GRAPHIC (investordeck26slide41.jpg)

GRAPHIC (investordeck26slide42.jpg)

GRAPHIC (investordeck26slide43.jpg)

GRAPHIC (investordeck26slide44.jpg)

GRAPHIC (investordeck26slide45.jpg)

GRAPHIC (investordeck26slide46.jpg)

GRAPHIC (investordeck26slide47.jpg)

GRAPHIC (investordeck26slide48.jpg)

GRAPHIC (investordeck26slide49.jpg)

GRAPHIC (investordeck26slide50.jpg)

GRAPHIC (investordeck26slide51.jpg)

GRAPHIC (investordeck26slide52.jpg)

GRAPHIC (investordeck26slide53.jpg)

GRAPHIC (investordeck26slide54.jpg)

GRAPHIC (investordeck26slide55.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K — 2026 ANNUAL MEETING INVESTOR PRESENTATION

8-K (Primary)

Filename: annualmtg26investor.htm · Sequence: 1

false000073942100007394212026-04-212026-04-21

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): April 21, 2026

CITIZENS FINANCIAL SERVICES INC

(Exact name of registrant as specified in its charter)

Pennsylvania

001-41410

23-2265045

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

15 S MAIN ST

MANSFIELD, Pennsylvania

16933

(Address of principal executive offices)

(Zip code)

Registrant's telephone number, including area code (570) 662-0444

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, Par Value $1.00 Per Share

CZFS

NASDAQ Capital Market

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following

provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities

Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange

Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under

the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under

the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act

of 1934 (§240.12b-2 of this chapter):

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards

provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01. Regulation FD Disclosure.

Citizens Financial Services, Inc. will conduct a presentation on Tuesday, April 21, 2026 at the 2026 Annual Meeting of Shareholders. A

copy of the presentation is furnished hereto as Exhibit 99.1 and is hereby incorporated by reference herein.

The information contained in this Item 7.01, including Exhibit 99.1 attached hereto, shall not be deemed to be “filed” for the purposes of

Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 9.01. Financial Statements and Exhibits.

(d)

Exhibits

Exhibit

Number

Description

99.1

Investor Presentation dated April 21, 2026

104

Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned

hereunto duly authorized.

CITIZENS FINANCIAL SERVICES, INC.

April 21, 2026

By:

/s/ Stephen J. Guillaume

Stephen J. Guillaume

Chief Financial Officer

EX-99.1 — INVESTOR PRESENTATION APRIL 21, 2026

EX-99.1

Filename: investordeck26.htm · Sequence: 2

Citizens Financial Services, Inc.

Our Two Goals for 2025 To leverage our new markets and new teams to create

additional wealth, and

Our Two Goals for 2025 To leverage our new markets and new teams to create

additional wealth, and To organically improve capital levels that were impacted by the 2023 acquisition.

Results of our Actions Experienced an All-Time Record High in Earnings

Results of our Actions How did we achieve such outstanding earnings? Diligent

net interest margin management,

Results of our Actions How did we achieve such outstanding earnings? Diligent

net interest margin management, Customer relationship growth,

Results of our Actions How did we achieve such outstanding earnings? Diligent

net interest margin management, Customer relationship growth, Expansion of fee-based services,

Results of our Actions How did we achieve such outstanding earnings? Diligent

net interest margin management, Customer relationship growth, Expansion of fee-based services, Effective risk management, and

Results of our Actions How did we achieve such outstanding earnings? Diligent

net interest margin management, Customer relationship growth, Expansion of fee-based services, Effective risk management, and Cost control and efficiencies.

2025 Financial Performance

Efficiency Ratio History Finished in the 86th percentile compared to the CZFS

peer group for 2025.

Return on Equity History Finished in the 40th percentile compared to the CZFS

peer group for 2025.

Return on Assets History Finished in the 87th percentile compared to the CZFS

peer group for 2025.

Cash Dividends Paid History 1% stock dividend paid in 2021, 2022, 2023, 2024 and

2025

Liquidity Position & Sources Liquidity Sources December 31, 2025 $ in

Thousands Cash and Cash Equivalents $37,916 FHLB Borrowing Capacity Remaining 636,189 Brokered Deposits Capacity 590,629 FRB Borrowing Capacity 29,546 Total $1,294,280 Investments US Gov't & Agency $181,297 MBS &

CMO $149,310 Municipals $120,608 Corporates $11,304 Less: Pledged Securities -364,216 Net Unpledged Securities $98,303 Total Liquidity Sources $1,392,583

Key Financial Highlights Balance Sheet 2023 2024 2025 Q1 2025 q2

2025 q3 2025 q4 2025 Total Assets $2,975,321 $3,025,724 $3,064,564 $3,016,338 $2,967,274 $3,056,421 $3,064,564 Total Gross Loans $2,258,215 $2,322,849 $2,360,015 $2,321,717 $2,257,284 $2,348,896 $2,360,015 Total

Deposits $2,321,481 $2,382,028 $2,376,979 $2,364,854 $2,292,662 $2,411,203 $2,376,979 Loans/Deposits 97.27% 97.52% 99.29% 98.18% 98.46% 97.42% 99.29% Capital & Per

Share Common Equity $279,666 $299,734 $338,051 $308,296 $313,653 $327,682 $338,051 Tangible Common Equity $190,258 $211,084 $250,072 $219,831 $225,365 $239,550 $250,072 Tang. Common

Equity/Tangible Assets (1) 6.59% 7.19% 8.40% 7.51% 7.83% 8.07% 8.40% Tang. Common Equity/Tangible Assets (Excluding AOCL) (1) 7.46% 7.99% 8.82% 8.20% 8.56% 8.56% 8.82% Bank Leverage

Ratio 8.54% 8.99% 9.54% 9.06% 9.22% 9.44% 9.54% Bank Total RBC Ratio (4) NA(1) 11.99% NA(1) NA(1) NA(1) NA(1) NA(1) Profitability Net Interest

Margin 3.21% 3.13% 3.50% 3.30% 3.47% 3.60% 3.69% Efficiency Ratio (3) 58.32% 61.89% 54.50% 59.27% 57.29% 55.97% 54.50% Core ROAA (1) 1.09% 0.96% 1.21% 1.00% 1.13% 1.33% 1.37% Core ROAE

(1) 12.01% 9.84% 11.51% 10.00% 10.88% 12.52% 12.53% Core ROATCE (1) 16.25% 14.19% 15.94% 14.09% 15.19% 17.29% 17.01% Core Earnings Per Share Diluted (1) (2) $ 6.47 $ 5.94 $ 7.62 $ 1.59 $ 1.76 $

2.09 $ 2.18 Dividend per share (2) $ 1.90 $ 1.93 $ 1.98 $ 0.490 $ 0.490 $ 0.500 $ 0.500 TBV per Share (2) $ 39.63 $ 43.91 $ 52.02 $ 45.73 $ 46.88 $ 49.83 $ 52.02 Net Income $

17,811 $ 27,818 $ 36,572 $ 7,621 $ 8,463 $ 10,005 $ 10,483 Asset Quality NPAs/Assets 0.44% 0.95% 0.95% 0.91% 0.92% 0.75% 0.95% NCOs/Avg

Loans 0.06% 0.11% 0.03% 0.03% 0.10% 0.00% 0.01% Reserves/Loans 0.94% 0.94% 0.97% 0.95% 0.99% 0.96% 0.97%

Results of Our 2025 Goals Continue to amplify our efforts -

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our

markets for growth,

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our

markets for growth, Lending teams,

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our

markets for growth, Lending teams, Market leadership and facilities,

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our

markets for growth, Lending teams, Market leadership and facilities, New product and technology introductions, and

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our

markets for growth, Lending teams, Market leadership and facilities, New product and technology introductions, and Take advantage of the improved borrowing environment.

CZFS Common Stock

CZFS Performance

Institutional Ownership 26.3

Shareholder Migration

Industry Recognition

Recognition

Contributions

More Than A Donation Unity In the Community

Peace of Mind

Peace of Mind Continuing our fight against cybersecurity and fraud.

FCCB Fraud Occurrences Fraud Losses 2023 2024 2025 Transactions Check

Fraud 112 74 169 ACH Fraud 7 30 33 Combined Total 119 104 202 Fraudulent Activity Check Fraud $830,316 $685,474 $791,558 ACH Fraud $52,701 $209,210 $157,792 Combined

Total $883,017 $894,684 $949,350 Customer Loss Check Fraud $18,359 $129,896 $6,868 ACH Fraud $6,500 $11,600 $1,999 Combined Total $24,859 $141,496 $8,867 Bank Loss Check Fraud $129,809 $149,503 $124,441 ACH

Fraud $0 $0 $0 Debit Card Losses $168,561 $122,122 $109,609 Combined Total $298,370 $271,624 $234,050

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a

scam awareness seminar.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a

scam awareness seminar. Participated in Bankers Day at the Capitol.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a

scam awareness seminar. Participated in Bankers Day at the Capitol. Offering a Veterans Checking account.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a

scam awareness seminar. Participated in Bankers Day at the Capitol. Offering a Veterans Checking account. Updating digital banking channels.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a

scam awareness seminar. Participated in Bankers Day at the Capitol. Offering a Veterans Checking account. Updating digital banking channels. Adding skilled board members.

2026 Challenges & Opportunities

Challenges & Opportunities Cryptocurrency

Challenges & Opportunities Cryptocurrency AI (into everyday banking

operations)

Staggering Statistics The Impact on PA Communities Community banks headquartered

in PA: 105 Community banks operating in PA: 123 Total deposits held at bank branches in PA: $108 billion Potential deposit outflows from PA banks to stablecoins: $5.4 billion to $10.8 billion Lost lending to PA households and businesses

as a result of deposit outflow: $4.6 billion - $9.3 billion drop in loans

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial

Services,

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial

services, Tokenized deposits, and

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial

services, Tokenized deposits, and Collateral for loans

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial

services, Tokenized deposits, and Collateral for loans. Investments In: Technology,

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial

services, Tokenized deposits, and Collateral for loans. Investments In: Technology, Policy development,

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial

services, Tokenized deposits, and Collateral for loans. Investments In: Technology, Policy development, Regulatory compliance, and

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial

services, Tokenized deposits, and Collateral for loans. Investments In: Technology, Policy development, Regulatory compliance, and Employee training.

Challenges & Opportunities IA. . . Improvements In: Operational

efficiency,

Challenges & Opportunities IA. . . Improvements In: Operational

efficiency, Fraud detection,

Challenges & Opportunities IA. . . Improvements In: Operational

efficiency, Fraud detection, Data quality,

Challenges & Opportunities IA. . . Improvements In: Operational

efficiency, Fraud detection, Data quality, Decision making, and

Challenges & Opportunities IA. . . Improvements In: Operational

efficiency, Fraud detection, Data quality, Decision making, and Customer experience

GRAPHIC

Filename: investordeck26slide1.jpg · Sequence: 6

Binary file (46746 bytes)

Download investordeck26slide1.jpg

GRAPHIC

Filename: investordeck26slide2.jpg · Sequence: 7

Binary file (50263 bytes)

Download investordeck26slide2.jpg

GRAPHIC

Filename: investordeck26slide3.jpg · Sequence: 8

Binary file (63859 bytes)

Download investordeck26slide3.jpg

GRAPHIC

Filename: investordeck26slide4.jpg · Sequence: 9

Binary file (58808 bytes)

Download investordeck26slide4.jpg

GRAPHIC

Filename: investordeck26slide5.jpg · Sequence: 10

Binary file (49590 bytes)

Download investordeck26slide5.jpg

GRAPHIC

Filename: investordeck26slide6.jpg · Sequence: 11

Binary file (55634 bytes)

Download investordeck26slide6.jpg

GRAPHIC

Filename: investordeck26slide7.jpg · Sequence: 12

Binary file (61965 bytes)

Download investordeck26slide7.jpg

GRAPHIC

Filename: investordeck26slide8.jpg · Sequence: 13

Binary file (67479 bytes)

Download investordeck26slide8.jpg

GRAPHIC

Filename: investordeck26slide9.jpg · Sequence: 14

Binary file (72750 bytes)

Download investordeck26slide9.jpg

GRAPHIC

Filename: investordeck26slide10.jpg · Sequence: 15

Binary file (34146 bytes)

Download investordeck26slide10.jpg

GRAPHIC

Filename: investordeck26slide11.jpg · Sequence: 16

Binary file (105177 bytes)

Download investordeck26slide11.jpg

GRAPHIC

Filename: investordeck26slide12.jpg · Sequence: 17

Binary file (112721 bytes)

Download investordeck26slide12.jpg

GRAPHIC

Filename: investordeck26slide13.jpg · Sequence: 18

Binary file (99332 bytes)

Download investordeck26slide13.jpg

GRAPHIC

Filename: investordeck26slide14.jpg · Sequence: 19

Binary file (85008 bytes)

Download investordeck26slide14.jpg

GRAPHIC

Filename: investordeck26slide15.jpg · Sequence: 20

Binary file (82901 bytes)

Download investordeck26slide15.jpg

GRAPHIC

Filename: investordeck26slide16.jpg · Sequence: 21

Binary file (168516 bytes)

Download investordeck26slide16.jpg

GRAPHIC

Filename: investordeck26slide17.jpg · Sequence: 22

Binary file (40420 bytes)

Download investordeck26slide17.jpg

GRAPHIC

Filename: investordeck26slide18.jpg · Sequence: 23

Binary file (49016 bytes)

Download investordeck26slide18.jpg

GRAPHIC

Filename: investordeck26slide19.jpg · Sequence: 24

Binary file (50362 bytes)

Download investordeck26slide19.jpg

GRAPHIC

Filename: investordeck26slide20.jpg · Sequence: 25

Binary file (57426 bytes)

Download investordeck26slide20.jpg

GRAPHIC

Filename: investordeck26slide21.jpg · Sequence: 26

Binary file (66731 bytes)

Download investordeck26slide21.jpg

GRAPHIC

Filename: investordeck26slide22.jpg · Sequence: 27

Binary file (77320 bytes)

Download investordeck26slide22.jpg

GRAPHIC

Filename: investordeck26slide23.jpg · Sequence: 28

Binary file (30533 bytes)

Download investordeck26slide23.jpg

GRAPHIC

Filename: investordeck26slide24.jpg · Sequence: 29

Binary file (71311 bytes)

Download investordeck26slide24.jpg

GRAPHIC

Filename: investordeck26slide25.jpg · Sequence: 30

Binary file (74453 bytes)

Download investordeck26slide25.jpg

GRAPHIC

Filename: investordeck26slide26.jpg · Sequence: 31

Binary file (147637 bytes)

Download investordeck26slide26.jpg

GRAPHIC

Filename: investordeck26slide27.jpg · Sequence: 32

Binary file (29727 bytes)

Download investordeck26slide27.jpg

GRAPHIC

Filename: investordeck26slide28.jpg · Sequence: 33

Binary file (111579 bytes)

Download investordeck26slide28.jpg

GRAPHIC

Filename: investordeck26slide29.jpg · Sequence: 34

Binary file (25670 bytes)

Download investordeck26slide29.jpg

GRAPHIC

Filename: investordeck26slide30.jpg · Sequence: 35

Binary file (133533 bytes)

Download investordeck26slide30.jpg

GRAPHIC

Filename: investordeck26slide31.jpg · Sequence: 36

Binary file (25214 bytes)

Download investordeck26slide31.jpg

GRAPHIC

Filename: investordeck26slide32.jpg · Sequence: 37

Binary file (37492 bytes)

Download investordeck26slide32.jpg

GRAPHIC

Filename: investordeck26slide33.jpg · Sequence: 38

Binary file (133796 bytes)

Download investordeck26slide33.jpg

GRAPHIC

Filename: investordeck26slide34.jpg · Sequence: 39

Binary file (42866 bytes)

Download investordeck26slide34.jpg

GRAPHIC

Filename: investordeck26slide35.jpg · Sequence: 40

Binary file (87150 bytes)

Download investordeck26slide35.jpg

GRAPHIC

Filename: investordeck26slide36.jpg · Sequence: 41

Binary file (106067 bytes)

Download investordeck26slide36.jpg

GRAPHIC

Filename: investordeck26slide37.jpg · Sequence: 42

Binary file (112352 bytes)

Download investordeck26slide37.jpg

GRAPHIC

Filename: investordeck26slide38.jpg · Sequence: 43

Binary file (126625 bytes)

Download investordeck26slide38.jpg

GRAPHIC

Filename: investordeck26slide39.jpg · Sequence: 44

Binary file (38698 bytes)

Download investordeck26slide39.jpg

GRAPHIC

Filename: investordeck26slide40.jpg · Sequence: 45

Binary file (37382 bytes)

Download investordeck26slide40.jpg

GRAPHIC

Filename: investordeck26slide41.jpg · Sequence: 46

Binary file (46692 bytes)

Download investordeck26slide41.jpg

GRAPHIC

Filename: investordeck26slide42.jpg · Sequence: 47

Binary file (97818 bytes)

Download investordeck26slide42.jpg

GRAPHIC

Filename: investordeck26slide43.jpg · Sequence: 48

Binary file (43437 bytes)

Download investordeck26slide43.jpg

GRAPHIC

Filename: investordeck26slide44.jpg · Sequence: 49

Binary file (47744 bytes)

Download investordeck26slide44.jpg

GRAPHIC

Filename: investordeck26slide45.jpg · Sequence: 50

Binary file (50755 bytes)

Download investordeck26slide45.jpg

GRAPHIC

Filename: investordeck26slide46.jpg · Sequence: 51

Binary file (53510 bytes)

Download investordeck26slide46.jpg

GRAPHIC

Filename: investordeck26slide47.jpg · Sequence: 52

Binary file (56415 bytes)

Download investordeck26slide47.jpg

GRAPHIC

Filename: investordeck26slide48.jpg · Sequence: 53

Binary file (59906 bytes)

Download investordeck26slide48.jpg

GRAPHIC

Filename: investordeck26slide49.jpg · Sequence: 54

Binary file (61210 bytes)

Download investordeck26slide49.jpg

GRAPHIC

Filename: investordeck26slide50.jpg · Sequence: 55

Binary file (40283 bytes)

Download investordeck26slide50.jpg

GRAPHIC

Filename: investordeck26slide51.jpg · Sequence: 56

Binary file (42157 bytes)

Download investordeck26slide51.jpg

GRAPHIC

Filename: investordeck26slide52.jpg · Sequence: 57

Binary file (44239 bytes)

Download investordeck26slide52.jpg

GRAPHIC

Filename: investordeck26slide53.jpg · Sequence: 58

Binary file (45810 bytes)

Download investordeck26slide53.jpg

GRAPHIC

Filename: investordeck26slide54.jpg · Sequence: 59

Binary file (47949 bytes)

Download investordeck26slide54.jpg

GRAPHIC

Filename: investordeck26slide55.jpg · Sequence: 60

Binary file (70799 bytes)

Download investordeck26slide55.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 62

v3.26.1

Document and Entity Information

Apr. 21, 2026

Cover [Abstract]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Apr. 21, 2026

Entity File Number

001-41410

Entity Registrant Name

CITIZENS FINANCIAL SERVICES INC

Entity Central Index Key

0000739421

Entity Incorporation, State or Country Code

Entity Tax Identification Number

23-2265045

Entity Address, Address Line One

15 S MAIN ST

Entity Address, City or Town

MANSFIELD

Entity Address, State or Province

Entity Address, Postal Zip Code

16933

City Area Code

570

Local Phone Number

662-0444

Title of 12(b) Security

Common Stock, Par Value $1.00 Per Share

Trading Symbol

CZFS

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration