Citizens Financial Services, Inc.

Our Two Goals for 2025 To leverage our new markets and new teams to create additional wealth, and

Our Two Goals for 2025 To leverage our new markets and new teams to create additional wealth, and To organically improve capital levels that were impacted by the 2023 acquisition.

Results of our Actions Experienced an All-Time Record High in Earnings

Results of our Actions How did we achieve such outstanding earnings? Diligent net interest margin management,

Results of our Actions How did we achieve such outstanding earnings? Diligent net interest margin management, Customer relationship growth,

Results of our Actions How did we achieve such outstanding earnings? Diligent net interest margin management, Customer relationship growth, Expansion of fee-based services,

Results of our Actions How did we achieve such outstanding earnings? Diligent net interest margin management, Customer relationship growth, Expansion of fee-based services, Effective risk management, and

Results of our Actions How did we achieve such outstanding earnings? Diligent net interest margin management, Customer relationship growth, Expansion of fee-based services, Effective risk management, and Cost control and efficiencies.

2025 Financial Performance

Efficiency Ratio History Finished in the 86th percentile compared to the CZFS peer group for 2025.

Return on Equity History Finished in the 40th percentile compared to the CZFS peer group for 2025.

Return on Assets History Finished in the 87th percentile compared to the CZFS peer group for 2025.

Cash Dividends Paid History 1% stock dividend paid in 2021, 2022, 2023, 2024 and 2025

Liquidity Position & Sources Liquidity Sources December 31, 2025 $ in Thousands Cash and Cash Equivalents $37,916 FHLB Borrowing Capacity Remaining 636,189 Brokered Deposits Capacity 590,629 FRB Borrowing Capacity 29,546 Total $1,294,280 Investments US Gov't & Agency $181,297 MBS & CMO $149,310 Municipals $120,608 Corporates $11,304 Less: Pledged Securities -364,216 Net Unpledged Securities $98,303 Total Liquidity Sources $1,392,583

Key Financial Highlights Balance Sheet 2023 2024 2025 Q1 2025 q2 2025 q3 2025 q4 2025 Total Assets $2,975,321 $3,025,724 $3,064,564 $3,016,338 $2,967,274 $3,056,421 $3,064,564 Total Gross Loans $2,258,215 $2,322,849 $2,360,015 $2,321,717 $2,257,284 $2,348,896 $2,360,015 Total Deposits $2,321,481 $2,382,028 $2,376,979 $2,364,854 $2,292,662 $2,411,203 $2,376,979 Loans/Deposits 97.27% 97.52% 99.29% 98.18% 98.46% 97.42% 99.29% Capital & Per Share Common Equity $279,666 $299,734 $338,051 $308,296 $313,653 $327,682 $338,051 Tangible Common Equity $190,258 $211,084 $250,072 $219,831 $225,365 $239,550 $250,072 Tang. Common Equity/Tangible Assets (1) 6.59% 7.19% 8.40% 7.51% 7.83% 8.07% 8.40% Tang. Common Equity/Tangible Assets (Excluding AOCL) (1) 7.46% 7.99% 8.82% 8.20% 8.56% 8.56% 8.82% Bank Leverage Ratio 8.54% 8.99% 9.54% 9.06% 9.22% 9.44% 9.54% Bank Total RBC Ratio (4) NA(1) 11.99% NA(1) NA(1) NA(1) NA(1) NA(1) Profitability Net Interest Margin 3.21% 3.13% 3.50% 3.30% 3.47% 3.60% 3.69% Efficiency Ratio (3) 58.32% 61.89% 54.50% 59.27% 57.29% 55.97% 54.50% Core ROAA (1) 1.09% 0.96% 1.21% 1.00% 1.13% 1.33% 1.37% Core ROAE (1) 12.01% 9.84% 11.51% 10.00% 10.88% 12.52% 12.53% Core ROATCE (1) 16.25% 14.19% 15.94% 14.09% 15.19% 17.29% 17.01% Core Earnings Per Share Diluted (1) (2) $ 6.47 $ 5.94 $ 7.62 $ 1.59 $ 1.76 $ 2.09 $ 2.18 Dividend per share (2) $ 1.90 $ 1.93 $ 1.98 $ 0.490 $ 0.490 $ 0.500 $ 0.500 TBV per Share (2) $ 39.63 $ 43.91 $ 52.02 $ 45.73 $ 46.88 $ 49.83 $ 52.02 Net Income $ 17,811 $ 27,818 $ 36,572 $ 7,621 $ 8,463 $ 10,005 $ 10,483 Asset Quality NPAs/Assets 0.44% 0.95% 0.95% 0.91% 0.92% 0.75% 0.95% NCOs/Avg Loans 0.06% 0.11% 0.03% 0.03% 0.10% 0.00% 0.01% Reserves/Loans 0.94% 0.94% 0.97% 0.95% 0.99% 0.96% 0.97%

Results of Our 2025 Goals Continue to amplify our efforts -

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our markets for growth,

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our markets for growth, Lending teams,

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our markets for growth, Lending teams, Market leadership and facilities,

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our markets for growth, Lending teams, Market leadership and facilities, New product and technology introductions, and

Results of Our 2025 Goals Continue to amplify our efforts – Fully engage our markets for growth, Lending teams, Market leadership and facilities, New product and technology introductions, and Take advantage of the improved borrowing environment.

CZFS Common Stock

CZFS Performance

Institutional Ownership 26.3

Shareholder Migration

Industry Recognition

Recognition

Contributions

More Than A Donation Unity In the Community

Peace of Mind

Peace of Mind Continuing our fight against cybersecurity and fraud.

FCCB Fraud Occurrences Fraud Losses 2023 2024 2025 Transactions Check Fraud 112 74 169 ACH Fraud 7 30 33 Combined Total 119 104 202 Fraudulent Activity Check Fraud $830,316 $685,474 $791,558 ACH Fraud $52,701 $209,210 $157,792 Combined Total $883,017 $894,684 $949,350 Customer Loss Check Fraud $18,359 $129,896 $6,868 ACH Fraud $6,500 $11,600 $1,999 Combined Total $24,859 $141,496 $8,867 Bank Loss Check Fraud $129,809 $149,503 $124,441 ACH Fraud $0 $0 $0 Debit Card Losses $168,561 $122,122 $109,609 Combined Total $298,370 $271,624 $234,050

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a scam awareness seminar.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a scam awareness seminar. Participated in Bankers Day at the Capitol.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a scam awareness seminar. Participated in Bankers Day at the Capitol. Offering a Veterans Checking account.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a scam awareness seminar. Participated in Bankers Day at the Capitol. Offering a Veterans Checking account. Updating digital banking channels.

Peace of Mind Continuing our fight against cybersecurity and fraud. Hosted a scam awareness seminar. Participated in Bankers Day at the Capitol. Offering a Veterans Checking account. Updating digital banking channels. Adding skilled board members.

2026 Challenges & Opportunities

Challenges & Opportunities Cryptocurrency

Challenges & Opportunities Cryptocurrency AI (into everyday banking operations)

Staggering Statistics The Impact on PA Communities Community banks headquartered in PA: 105 Community banks operating in PA: 123 Total deposits held at bank branches in PA: $108 billion Potential deposit outflows from PA banks to stablecoins: $5.4 billion to $10.8 billion Lost lending to PA households and businesses as a result of deposit outflow: $4.6 billion - $9.3 billion drop in loans

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial Services,

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial services, Tokenized deposits, and

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial services, Tokenized deposits, and Collateral for loans

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial services, Tokenized deposits, and Collateral for loans. Investments In: Technology,

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial services, Tokenized deposits, and Collateral for loans. Investments In: Technology, Policy development,

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial services, Tokenized deposits, and Collateral for loans. Investments In: Technology, Policy development, Regulatory compliance, and

Challenges & Opportunities Cryptocurrency. . . Customer Needs: Custodial services, Tokenized deposits, and Collateral for loans. Investments In: Technology, Policy development, Regulatory compliance, and Employee training.

Challenges & Opportunities IA. . . Improvements In: Operational efficiency,

Challenges & Opportunities IA. . . Improvements In: Operational efficiency, Fraud detection,

Challenges & Opportunities IA. . . Improvements In: Operational efficiency, Fraud detection, Data quality,

Challenges & Opportunities IA. . . Improvements In: Operational efficiency, Fraud detection, Data quality, Decision making, and

Challenges & Opportunities IA. . . Improvements In: Operational efficiency, Fraud detection, Data quality, Decision making, and Customer experience