Citizens Financial Services (CZFS) Change in Net Loans (2010 - 2026)

Citizens Financial Services' Change in Net Loans history runs 17 years deep, the most recent figure standing at -$53.0 million for Q1 2026.

• In Q1 2026, Change in Net Loans fell 3927.34% year-over-year to -$53.0 million; the TTM figure through Mar 2026 stood at -$21.0 million (down 127.65% YoY), while the FY2025 annual figure was $33.5 million, down 52.34% from the prior year.
• Change in Net Loans was -$53.0 million for Q1 2026 at Citizens Financial Services, down from $14.1 million in the prior quarter.
• In the past five years, Change in Net Loans ranged from a high of $142.1 million in Q3 2022 to a low of -$74.5 million in Q2 2025.
• Historically, Change in Net Loans has averaged $22.1 million across 5 years, with a median of $1.8 million in 2023.
• The sharpest annual moves came in 2022 and 2026: Change in Net Loans surged 1581.92% in 2022, then tumbled 3927.34% in 2026.
• A 5-year view of Change in Net Loans shows it stood at -$13.7 million in 2022, then jumped by 113.09% to $1.8 million in 2023, then sank by 1110.62% to -$18.1 million in 2024, then soared by 177.96% to $14.1 million in 2025, then sank by 476.35% to -$53.0 million in 2026.
• The last three Change in Net Loans figures came in at -$53.0 million (Q1 2026), $14.1 million (Q4 2025), and $92.5 million (Q3 2025), per Business Quant data.