Citizens Financial Services Inc. reported net income of $26.1 million for the first nine months of 2025, an increase of $6.3 million or 31.5% compared to the same period in 2024. The company attributed the increase to higher net interest income after a provision for credit losses of $8.9 million. The effective tax rate for the period was 18.9%, up from 17.8% in the comparable period of 2024. Total interest income for the nine months ended September 30, 2025, was $118.0 million, compared to $114.5 million in the same period of 2024. Interest and fees on loans were $107.2 million, up from $106.1 million, while interest-bearing deposits with banks generated $0.4 million, compared to $0.7 million in 2024. Interest income from taxable investment securities increased to $7.3 million from $5.0 million, and nontaxable investment securities income rose to $1.8 million from $1.6 million. Dividend income was $1.3 million, compared to $1.2 million in the previous year. Stockholders' equity as of September 30, 2025, was $3,056.4 million, compared to $3,025.7 million as of September 30, 2024.