Risk factors
Citizens Financial Services (CZFS) risk factors
Item 1A of every Citizens Financial Services Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors22 risks2 new3 reworded
The bank added risks regarding investment portfolio impairments and technological disintermediation from digital assets and blockchain.
Filed Mar 12, 2026 - FY2024 10-K risk factors20 risks
Citizens Financial Services relies heavily on geographic concentrations in Pennsylvania and New York, significant agricultural lending exposures, and commercial real estate.
Filed Mar 06, 2025