Every material Form 8-K CITIZENS FINANCIAL SERVICES INC has filed with the SEC since June 22, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Citizens Financial Services reported unaudited third-quarter 2026 net income of $11.9 million, up 19.2% from $10.0 million a year earlier, with basic EPS of $2.48 versus $2.09. Net income for the first nine months rose 24.5% to $32.5 million, but non-performing assets reached $51.5 million at September 30, 2026, up from $23.0 million a year earlier, which the company attributed partly to about $21.4 million of commercial and construction real estate loans placed on non-accrual status.
Q3 2026 net income $11.9 million versus $10.0 million in Q3 2025; basic EPS $2.48 versus $2.09
Nine-month 2026 net income $32.5 million versus $26.1 million; basic EPS $6.77 versus $5.44
No provision for credit losses in Q3 2026, compared with $500,000 in Q3 2025
Non-performing assets 2.16% of loans at September 30, 2026, up from 1.03% a year earlier
Citizens Financial Services reported unaudited second-quarter 2026 net income of $10.2 million, up 20.4% from a year earlier, with basic earnings per share of $2.12 versus $1.76. Non-performing assets rose to $43.4 million at June 30, 2026, up from $27.4 million a year earlier, which the company attributed mainly to six commercial real estate and one construction loan relationships placed on non-accrual status.
Q2 2026 net income was $10,187,000 versus $8,463,000 in Q2 2025; basic EPS was $2.12 versus $1.76.
Six-month net income was $20.6 million, up 27.9%, with basic EPS of $4.29 versus $3.35.
Non-performing assets were $43,365,000 at June 30, 2026, or 1.81% of total loans, compared with 1.22% a year earlier.
Quarterly cash dividend of $0.51 per share was declared June 2, 2026, up 4.0% from $0.49 a year earlier.
Citizens Financial Services appointed John D. Behm, a director of its subsidiary First Citizens Community Bank, to its board on June 16, 2026. The 8-K also updates executive pay for fiscal 2025, disclosing cash bonuses for named executives and a CEO pay ratio of 36.9 that was omitted from the March proxy statement.
Board appointed John D. Behm as a director on June 16, 2026; committee assignments not yet determined
CEO Randall E. Black's fiscal 2025 cash bonus was $590,601, raising his total compensation to $1,803,244
CEO pay ratio is 36.9, compared with a median employee annual compensation of $48,896
CFO Stephen J. Guillaume's SERP amendment provides a benefit equal to 10.0% of his highest average annual cash compensation over three non-consecutive years
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