EX-99.1 2 annualmeetingpresentation.htm 2023 ANNUAL MEETING PRESENTATION
Citizens Financial Services, Inc.

Historical Total Return

2022 Financial Performance

Efficiency Ratio History Finished in the 100th percentile compared to the CZFS peer group for 2022

Return on Equity History Finished in the 69th percentile compared to the CZFS peer group for 2022

Return on Assets History Finished in the 94th percentile compared to the CZFS peer group for 2022

Cash Dividends Paid History 1% stock dividend paid in 2018, 2019, 2020, 2021, and 2022

2022 Major Initiatives

Major Initiatives Opened branches in Ephrata, PA and Greenville, DE

Major Initiatives Opened branches in Ephrata, PA and Greenville, DE Received approval to open a branch in Williamsport, PA

Major Initiatives Opened branches in Ephrata, PA and Greenville, DE Received approval to open a branch in Williamsport, PA Created a FCCB digital strategy

Major Initiatives Opened branches in Ephrata, PA and Greenville, DE Received approval to open a branch in Williamsport, PA Created a FCCB digital strategy Invested in technology and third-party partnerships

Major Initiatives Opened branches in Ephrata, PA and Greenville, DE Received approval to open a branch in Williamsport, PA Created a FCCB digital strategy Invested in technology and third-party partnerships Announced the acquisition of HVB

2022 Community Support

Community Support Donated $350,000 to 47 educational enrichment programs

Community Support Donated $350,000 to 47 educational enrichment programs Provided $100,000 to support affordable housing

Community Support Donated $350,000 to 47 educational enrichment programs Provided $100,000 to support affordable housing Contributed $50,000 to support workforce development

Community Support Donated $350,000 to 47 educational enrichment programs Provided $100,000 to support affordable housing Contributed $50,000 to support workforce development Partnered with Central PA Foodbank and Delaware Foodbank

Community Support Donated $350,000 to 47 educational enrichment programs Provided $100,000 to support affordable housing Contributed $50,000 to support workforce development Partnered with Central PA Foodbank and Delaware Foodbank Supported Raise the Region

Community Support Donated $350,000 to 47 educational enrichment programs Provided $100,000 to support affordable housing Contributed $50,000 to support workforce development Partnered with Central PA Foodbank and Delaware Foodbank Supported Raise the Region Received the Bank On Certification

What’s in store for 2023? Economic Interest Rate Cycle / Economic Concerns HVB Close and Integration

Thank you To the entire FCCB TEAM!