EX-99.1 2 annualmeetingpresentation.htm 2022 ANNUAL MEETING PRESENTATION
19 21 65 59 74 150 0 113 186 83 84 84 248 157 56 Citizens Financial Services, Inc.

2021 Financial Performance

Efficiency Ratio History Finished in the 93rd percentile compared to the CZFS peer group for 2021

Return on Equity History Finished in the 100th percentile compared to the CZFS peer group for 2021

Return on Assets History Finished in the 100th percentile compared to the CZFS peer group for 2021

Cash Dividends Paid History 1% stock dividend paid in 2018, 2019, 2020 & 2021, and a 5% stock dividend paid in 2017

2021 Industry Recognition

Industry Recognition Being named as one of the 200 top-performing community banks in the nation.

Industry Recognition Being named as one of the 200 top-performing community banks in the nation. Being ranked as the 29th best performing bank in the $1 billion to $5 billion category nationwide.

Industry Recognition Being named as one of the 200 top-performing community banks in the nation. Being ranked as the 29th best performing bank in the $1 billion to $5 billion category nationwide. Being the third largest agricultural lender in PA and 66th in the nation.

Industry Recognition Being named as one of the 200 top-performing community banks in the nation. Being ranked as the 29th best performing bank in the $1 billion to $5 billion category nationwide. Being the third largest agricultural lender in PA and 66th in the nation. Receiving the Corporate Philanthropy Award.

Industry Recognition Being named as one of the 200 top-performing community banks in the nation. Being ranked as the 29th best performing bank in the $1 billion to $5 billion category nationwide. Being the third largest agricultural lender in PA and 66th in the nation. Receiving the Corporate Philanthropy Award. Partnered to bring Raise the Region to Tioga County.

Industry Recognition Being named as one of the 200 top-performing community banks in the nation. Being ranked as the 29th best performing bank in the $1 billion to $5 billion category nationwide. Being the third largest agricultural lender in PA and 66th in the nation. Receiving the Corporate Philanthropy Award. Partnered to bring Raise the Region to Tioga County. Proudly donated over $360,000.

2022 and Beyond

What’s in store for 2022? Will continue to build out our Kennett Square branch.

What’s in store for 2022? Will continue to build out our Kennett Square branch. Filed a Nasdaq listing application.

What’s in store for 2022? Will continue to build out our Kennett Square branch. Filed a Nasdaq listing application. Opening our 32nd branch in Ephrata, PA

What’s in store for 2022? Will continue to build out our Kennett Square branch. Filed a Nasdaq listing application. Opening our 32nd branch in Ephrata, PA Celebrating our 150th Year Anniversary.