Citizens Financial Services reported FY 2025 net income of USD 36.57 million, up 32%, and basic earnings per share of USD 7.62. Net interest income (tax-equivalent basis) rose 13% to USD 99.11 million, driven by higher interest income and lower interest expense. Non-interest income fell 7% to USD 14.34 million, while non-interest expense was USD 64.73 million. The provision for credit losses was USD 2.38 million, down 8%, and total assets were USD 3.06 billion. Total loans were USD 2.35 billion, up 2%, while total deposits were USD 2.38 billion.
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