Citizens Financial Services Inc (CZFS) Change in Net Loans (2010 - 2026)
Citizens Financial Services (CZFS) recorded Change in Net Loans of $92.61 million in Q2 2026, compared with -$74.52 million a year earlier.
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Analysis
Citizens Financial Services Inc (CZFS) Change in Net Loans (2010 - 2026) Analysis & Trends
On a TTM basis, Citizens Financial Services' Change in Net Loans came in at $146.19 million as of Jun 30, 2026; for FY2025, it came in at $33.48 million, down 52.3% from FY2024.
- Annual Change in Net Loans has a five-year compound annual growth rate of -12.0% (FY2020 to FY2025).
- Across earlier years, Change in Net Loans came in at $70.25 million in FY2024 (+59.8%), $43.95 million in FY2023 (-84.4%), $281.39 million in FY2022 (+776.3%) and $32.11 million in FY2021 (-49.4%).
- The Q2 2026 figure is the highest quarterly Change in Net Loans since Q3 2022.
- Per Business Quant, the preceding three quarters came in at -$53.05 million (Q1 2026), $14.1 million (Q4 2025) and $92.52 million (Q3 2025).
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 92.61 Mn |
| Mar 31, 2026 | -53.05 Mn |
| Dec 31, 2025 | 14.10 Mn |
| Sep 30, 2025 | 92.52 Mn |
| Jun 30, 2025 | -74.52 Mn |
| Mar 31, 2025 | 1.39 Mn |
| Dec 31, 2024 | -18.08 Mn |
| Sep 30, 2024 | 74.84 Mn |
| Jun 30, 2024 | 17.64 Mn |
| Mar 31, 2024 | -4.16 Mn |
| Dec 31, 2023 | 1.79 Mn |
| Sep 30, 2023 | 82.28 Mn |
| Jun 30, 2023 | -37.92 Mn |
| Mar 31, 2023 | -2.20 Mn |
| Dec 31, 2022 | -13.67 Mn |
| Sep 30, 2022 | 142.11 Mn |
| Jun 30, 2022 | 116.48 Mn |
| Mar 31, 2022 | 36.47 Mn |
| Dec 31, 2021 | -2.29 Mn |
| Sep 30, 2021 | 26.64 Mn |
API Access
Citizens Financial Services Inc Change in Net Loans API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "change-in-net-loans", "ticker": "CZFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();