Flagship explainer
How CITIZENS FINANCIAL SERVICES, INC. earns its spread
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $98M | 100% |
| |
| Income before tax | $45.2M | 46% |
|
| Income tax | $8.7M | 9% |
|
| $36.6M | 37% |
|
Source:
- SEC filing · FY 2025Filing detailsAccession 0001140361-26-009103