Citizens Financial Services, Inc. - CZFS- Profile

Citizens Financial Services, Inc.. The Group's principal activity is to provide general banking services in Potter, Tioga and Bradford counties in North Central Pennsylvania and Allegany, Steuben, Chemung and Tioga counties in Southern New York. The Group operates through fifteen full-service banking offices. The banking services include consumer loans, residential real estate loans, commercial loans and loans to various state and municipal entities. Deposit programs include full range of consumer as well as commercial checking and savings accounts, certificates of deposit and individual retirement accounts. The Group also provides trust and investment services. Provides general banking services in North Central Pennsylvania and Southern New York