XML 86 R70.htm IDEA: XBRL DOCUMENT
v3.22.4

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Credit Quality Indicator (Details) - USD ($) $ in Thousands | 12 Months Ended |
--- | --- | ---
Dec. 31, 2022 | Dec. 31, 2021
Financing Receivable [Abstract] |  |
Amount over which all relationships to be reviewed, minimum | $ 500 |
Financing Receivable by credit exposure [Abstract] |  |
Total | $ 296,863 | $ 226,955
Minimum [Member] |  |
Financing Receivable [Abstract] |  |
Percentage of dollar volume of commercial loan portfolio to be reviewed | 50.00% |
Amount over which all new loans to be reviewed | $ 1,000 |
Amount over which all relationships to be reviewed | 1,000 |
Amount which is 30 days past due to be reviewed for all aggregate loan relationships | 750 |
Real Estate Loans [Member] | Commercial [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 876,569 | 687,338
Real Estate Loans [Member] | Agricultural [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 313,614 | 312,011
Real Estate Loans [Member] | Construction [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 80,691 | 55,036
Real Estate Loans [Member] | Mortgages [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 162,569 | 150,942
Real Estate Loans [Member] | Home Equity [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 47,644 | 50,155
Consumer [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 86,650 | 25,858
Other Commercial Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 63,222 | 74,585
Other Agricultural Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 34,832 | 39,852
State and Political Subdivision Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 59,208 | 45,756
Pass [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 1,365,876 | 1,147,030
Pass [Member] | Real Estate Loans [Member] | Commercial [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 842,912 | 646,137
Pass [Member] | Real Estate Loans [Member] | Agricultural [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 295,443 | 291,537
Pass [Member] | Real Estate Loans [Member] | Construction [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 75,703 | 55,036
Pass [Member] | Other Commercial Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 59,902 | 70,932
Pass [Member] | Other Agricultural Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 32,708 | 37,800
Pass [Member] | State and Political Subdivision Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 59,208 | 45,588
Special Mention [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 46,909 | 55,245
Special Mention [Member] | Real Estate Loans [Member] | Commercial [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 28,047 | 35,332
Special Mention [Member] | Real Estate Loans [Member] | Agricultural [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 11,960 | 15,105
Special Mention [Member] | Real Estate Loans [Member] | Construction [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 2,642 | 0
Special Mention [Member] | Other Commercial Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 2,953 | 3,289
Special Mention [Member] | Other Agricultural Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 1,307 | 1,351
Special Mention [Member] | State and Political Subdivision Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 168
Substandard [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 15,321 | 12,255
Substandard [Member] | Real Estate Loans [Member] | Commercial [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 5,610 | 5,869
Substandard [Member] | Real Estate Loans [Member] | Agricultural [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 6,211 | 5,369
Substandard [Member] | Real Estate Loans [Member] | Construction [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 2,346 | 0
Substandard [Member] | Other Commercial Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 337 | 316
Substandard [Member] | Other Agricultural Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 817 | 701
Substandard [Member] | State and Political Subdivision Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Doubtful [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 30 | 48
Doubtful [Member] | Real Estate Loans [Member] | Commercial [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Doubtful [Member] | Real Estate Loans [Member] | Agricultural [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Doubtful [Member] | Real Estate Loans [Member] | Construction [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Doubtful [Member] | Other Commercial Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 30 | 48
Doubtful [Member] | Other Agricultural Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Doubtful [Member] | State and Political Subdivision Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Loss [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Loss [Member] | Real Estate Loans [Member] | Commercial [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Loss [Member] | Real Estate Loans [Member] | Agricultural [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Loss [Member] | Real Estate Loans [Member] | Construction [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Loss [Member] | Other Commercial Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Loss [Member] | Other Agricultural Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Loss [Member] | State and Political Subdivision Loans [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
Internally Assigned Grade [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 1,428,136 | 1,214,578
Performing [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 296,256 | 226,300
Performing [Member] | Real Estate Loans [Member] | Mortgages [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 161,998 | 150,320
Performing [Member] | Real Estate Loans [Member] | Home Equity [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 47,615 | 50,122
Performing [Member] | Consumer [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 86,643 | 25,858
Nonperforming [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 598 | 641
Nonperforming [Member] | Real Estate Loans [Member] | Mortgages [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 562 | 608
Nonperforming [Member] | Real Estate Loans [Member] | Home Equity [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 29 | 33
Nonperforming [Member] | Consumer [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 7 | 0
PCI [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 9 | 14
PCI [Member] | Real Estate Loans [Member] | Mortgages [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 9 | 14
PCI [Member] | Real Estate Loans [Member] | Home Equity [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | 0 | 0
PCI [Member] | Consumer [Member] |  |
Financing Receivable by credit exposure [Abstract] |  |
Total | $ 0 | $ 0

X
- Definition Represents amount over which all new loans to be reviewed for all internal and external loan on aggregate basis to ensure the appropriateness of the loan grade. + References No definition available. + Details
Name: | czfs_AmountOverWhichAllNewLoansToBeReviewed
Namespace Prefix: | czfs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Represents amount over which all relationships to be reviewed for all internal and external loan on aggregate basis to ensure the appropriateness of the loan grade. + References No definition available. + Details
Name: | czfs_AmountOverWhichAllRelationshipToBeReviewed
Namespace Prefix: | czfs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Represents amount over which all new relationship to be reviewed for all internal and external loan on aggregate basis to ensure the appropriateness of the loan grade. + References No definition available. + Details
Name: | czfs_AmountOverWhichAllRelationshipToBeReviewedMinimum
Namespace Prefix: | czfs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Represents amount to be reviewed for all internal and external loan all aggregate loan relationships which are over 30 days past due to ensure the appropriateness of the loan grade. + References No definition available. + Details
Name: | czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships
Namespace Prefix: | czfs_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- References No definition available. + Details
Name: | czfs_FinancingReceivableAbstract
Namespace Prefix: | czfs_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | czfs_FinancingReceivableByCreditExposureAbstract
Namespace Prefix: | czfs_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Refers to percentage of dollar volume of commercial loan portfolio to be reviewed on annual basis . + References No definition available. + Details
Name: | czfs_PercentageOfCommercialLoanPortfolioToBeReviewed
Namespace Prefix: | czfs_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amortized cost, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI https://asc.fasb.org/extlink&oid=124259787&loc=d3e4428-111522 + Details
Name: | us-gaap_NotesReceivableNet
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Details
Name: | srt_RangeAxis=srt_MinimumMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_RealEstateLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=czfs_AgriculturalMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_OtherAgriculturalLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_StateAndPoliticalSubdivisionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_UnlikelyToBeCollectedFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=czfs_InternallyAssignedGrade1Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=czfs_PurchasedCreditImpairedLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |