XML 54 R44.htm IDEA: XBRL DOCUMENT
v3.24.2.u1

Loans, Allowance for Credit Losses - Loans and Amortized Cost Basis of Loans Under CECL Methodology (Details) - USD ($) $ in Thousands | Jun. 30, 2024 | Mar. 31, 2024 | Dec. 31, 2023 | Jun. 30, 2023 | Mar. 31, 2023 | Dec. 31, 2022
--- | --- | --- | --- | --- | --- | ---
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | $ 20,392 |  | $ 19,181 |  |  |
Individually evaluated for impairment | 2,405 |  | 1,972 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 22,797 | $ 21,598 | 21,153 | $ 21,652 | $ 15,250 | $ 18,552
Collectively evaluated for impairment | 2,242,194 |  | 2,235,955 |  |  |
Individually evaluated for impairment | 13,522 |  | 12,881 |  |  |
Total Loans | 2,255,716 |  | 2,248,836 |  |  |
Residential [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Total Loans | 305,963 |  | 310,199 |  |  |
Commercial [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Total Loans | 1,110,269 |  | 1,092,887 |  |  |
Construction [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Total Loans | 180,157 |  | 195,826 |  |  |
Real Estate Loans [Member] | Residential [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 2,304 |  | 2,285 |  |  |
Individually evaluated for impairment | 51 |  | 69 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 2,355 | 2,347 | 2,354 | 2,675 | 1,195 | 1,056
Collectively evaluated for impairment | 352,924 |  | 358,358 |  |  |
Individually evaluated for impairment | 1,664 |  | 1,632 |  |  |
Total Loans | 354,588 |  | 359,990 |  |  |
Real Estate Loans [Member] | Commercial [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 10,164 |  | 9,033 |  |  |
Individually evaluated for impairment | 119 |  | 145 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 10,283 | 9,741 | 9,178 | 9,274 | 6,747 | 10,120
Collectively evaluated for impairment | 1,107,745 |  | 1,090,217 |  |  |
Individually evaluated for impairment | 2,524 |  | 2,670 |  |  |
Total Loans | 1,110,269 |  | 1,092,887 |  |  |
Real Estate Loans [Member] | Agricultural [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 3,753 |  | 3,247 |  |  |
Individually evaluated for impairment | 17 |  | 17 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 3,770 | 3,672 | 3,264 | 3,579 | 3,409 | 4,589
Collectively evaluated for impairment | 324,538 |  | 311,500 |  |  |
Individually evaluated for impairment | 2,519 |  | 3,302 |  |  |
Total Loans | 327,057 |  | 314,802 |  |  |
Real Estate Loans [Member] | Construction [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 1,627 |  | 1,664 |  |  |
Individually evaluated for impairment | 0 |  | 286 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 1,627 | 1,595 | 1,950 | 1,667 | 851 | 801
Collectively evaluated for impairment | 178,209 |  | 193,469 |  |  |
Individually evaluated for impairment | 1,948 |  | 2,357 |  |  |
Total Loans | 180,157 |  | 195,826 |  |  |
Consumer [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 334 |  | 557 |  |  |
Individually evaluated for impairment | 877 |  | 939 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 1,211 | 1,266 | 1,496 | 1,259 | 1,220 | 135
Collectively evaluated for impairment | 69,585 |  | 60,377 |  |  |
Individually evaluated for impairment | 957 |  | 939 |  |  |
Total Loans | 70,542 |  | 61,316 |  |  |
Other Commercial Loans [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 1,915 |  | 1,713 |  |  |
Individually evaluated for impairment | 1,341 |  | 516 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 3,256 | 2,680 | 2,229 | 2,477 | 712 | 1,040
Collectively evaluated for impairment | 127,352 |  | 134,472 |  |  |
Individually evaluated for impairment | 3,499 |  | 1,696 |  |  |
Total Loans | 130,851 |  | 136,168 |  |  |
Other Agricultural Loans [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 206 |  | 270 |  |  |
Individually evaluated for impairment | 0 |  | 0 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 206 | 174 | 270 | 268 | 250 | 489
Collectively evaluated for impairment | 25,836 |  | 30,388 |  |  |
Individually evaluated for impairment | 411 |  | 285 |  |  |
Total Loans | 26,247 |  | 30,673 |  |  |
State and Political Subdivision Loans [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 63 |  | 45 |  |  |
Individually evaluated for impairment | 0 |  | 0 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 63 | 65 | 45 | 52 | 42 | 322
Collectively evaluated for impairment | 56,005 |  | 57,174 |  |  |
Individually evaluated for impairment | 0 |  | 0 |  |  |
Total Loans | 56,005 |  | 57,174 |  |  |
Unallocated [Member] |  |  |  |  |  |
Loans And Leases Receivable, Allowance For Loan Losses [Abstract] |  |  |  |  |  |
Collectively evaluated for impairment | 26 |  | 367 |  |  |
Individually evaluated for impairment | 0 |  | 0 |  |  |
Total Allowance for Credit Losses - Loans for impairment | 26 | $ 58 | 367 | $ 401 | $ 824 | $ 0
Collectively evaluated for impairment | 0 |  | 0 |  |  |
Individually evaluated for impairment | 0 |  | 0 |  |  |
Total Loans | $ 0 |  | $ 0 |  |  |

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

X
- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph c -Publisher SEC Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (1) -Publisher SEC Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (3) -Publisher SEC Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (f) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of allowance for credit loss on financing receivable evaluated on collective basis. Excludes financing receivable evaluated on individual basis. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 30 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479391/326-20-30-2 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of allowance for credit loss on financing receivable evaluated on individual basis. Excludes financing receivable evaluated on collective basis. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 30 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479391/326-20-30-2 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of financing receivable collectively evaluated for credit loss. Excludes financing receivable individually evaluated for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11C -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11C + Details
Name: | us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable individually evaluated for credit loss. Excludes financing receivable collectively evaluated for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11C -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11C + Details
Name: | us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost, before 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 -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481990/310-10-45-13 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (1) -Publisher SEC Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (2) -Publisher SEC Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1404 -Paragraph a -Publisher SEC Reference 7: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 Reference 8: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)(b)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 12: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_NotesReceivableGross
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

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