CITIZENS FINANCIAL SERVICES INC

Citizens Financial Services, Inc. is a Pennsylvania corporation that operates as a holding company for First Citizens Community Bank. The Company was incorporated on April 30, 1984. In 2020, CZFS Acquisition Company, LLC (CZFS) was formed as a wholly owned subsidiary, and the Company's interest in the Bank was transferred to CZFS to facilitate the merger with MidCoast Community Bancorp, Inc. and its subsidiary, MidCoast Community Bank, which was completed on April 17, 2020. In 2024, the Company terminated CZFS, and the interest in the Bank was transferred back to the Company. On June 16, 2023, the Company acquired HV Bancorp, Inc. and its subsidiary, Huntingdon Valley Bank. The Company's primary business involves the ownership and management of its subsidiary, First Citizens Community Bank, and the Bank's wholly owned subsidiary, First Citizens Insurance Agency, Inc. In 2024, the Bank terminated 1st Realty of PA LLC. First Citizens Community Bank is a full-service bank offering a wide range of banking activities and services to individual, business, governmental, and institutional customers.