Mansfield, PA · Cert 7593 · Citizens Finl Services Inc.
State charter, Fed member · FED · 44 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #32 of 88 inst. · $0.6B of $685.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.12% | 1.10% | 1.25% | 1.40% | 1.47% | 1.45% | 1.42% | +18 bps | |
| Return on Equity | 9.89% | 10.34% | 10.04% | 11.12% | 12.37% | 12.75% | 12.37% | 12.36% | +125 bps | |
| Net Interest Margin | 3.00% | 3.17% | 3.15% | 3.29% | 3.48% | 3.56% | 3.50% | 3.46% | +18 bps | |
| Efficiency Ratio | 61.69% | 61.35% | 58.99% | 55.18% | 53.26% | 51.49% | 53.15% | 53.17% | -201 bps | |
| Non-Interest Burden | 1.63% | 1.74% | 1.64% | 1.56% | 1.58% | 1.58% | 1.60% | 1.57% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 1.69% | 3.26% | 0.65% | 0.97% | 1.28% | 0.33% | 7.59% | +694 bps | |
| Loan Growth (YoY) | 3.71% | 2.86% | 3.28% | -0.56% | 0.19% | 1.60% | -0.76% | 6.56% | +712 bps | |
| Deposit Growth (YoY) | 4.96% | 2.62% | 2.69% | 0.84% | -1.59% | -0.17% | 3.73% | 4.53% | +369 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.92% | 1.12% | 1.07% | 1.10% | 0.88% | 1.14% | 1.64% | 1.70% | +60 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.01% | 0.03% | 0.10% | 0.00% | 0.01% | 0.01% | -0.01% | -12 bps | |
| Allowance / Loans | 0.93% | 0.93% | 0.95% | 0.98% | 0.96% | 0.97% | 0.99% | 0.98% | 0 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 0.9x | 0.9x | 1.1x | 0.8x | 0.6x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.96% | 8.99% | 9.06% | 9.22% | 9.44% | 9.54% | 9.33% | 9.64% | +42 bps | |
| Total Risk-Based Capital | 11.75% | 11.99% | 9.06% | 9.22% | 9.44% | 9.54% | 9.33% | 9.64% | +42 bps | |
| Equity / Assets | 10.89% | 10.86% | 11.15% | 11.30% | 11.41% | 11.70% | 11.68% | 11.35% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.53% | 97.33% | 97.97% | 98.22% | 97.26% | 99.05% | 93.74% | 100.13% | +191 bps | |
| Liquid Assets / Assets | 0.45% | 0.52% | 0.45% | 0.90% | 0.36% | 0.47% | 0.34% | 0.38% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 390% | 388% | 399% | n/a | n/a | |