Citizens Financial Services, Inc. (NASDAQ:CZFS) is a bank holding company headquartered in Warren, Pennsylvania, providing community-oriented banking services across northwestern and north-central Pennsylvania and eastern Ohio. Through its subsidiary, Citizens Financial Bank, the company offers a comprehensive suite of financial products designed to meet the needs of individuals, families and businesses. Citizens Financial Services operates a network of branch offices and automated teller machines, supported by digital banking platforms that deliver 24/7 access to accounts and services.
The company’s core business activities include retail deposit gathering, consumer lending and commercial lending. On the retail side, Citizens Financial Services offers checking and savings accounts, money market accounts, certificates of deposit and individual retirement accounts. It also provides consumer loans such as mortgages, home equity lines of credit, auto loans and personal lines of credit. For business customers, the bank delivers commercial term loans, commercial real estate financing and asset-based lending, backed by treasury management solutions including online cash management, merchant services and remote deposit capture.
Founded in 1992, Citizens Financial Services was established to serve the financial needs of communities in Pennsylvania and Ohio that were, at the time, underserved by larger regional institutions. Over the years, the company has grown organically and through strategic de novo branch openings, maintaining a focus on relationship-based banking. Its community involvement extends to support for local economic development initiatives, charitable organizations and educational programs, reinforcing Citizens Financial’s commitment to the regions it serves.
Under the leadership of O. Foster Brown III, who serves as Chairman and Chief Executive Officer, Citizens Financial Services emphasizes sound risk management, technological innovation and customer-centric service. The executive management team brings deep banking expertise, and the board of directors combines local business leadership with financial industry experience. Together, they guide the company’s strategic growth, aiming to balance profitability with community impact.
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