XML 53 R43.htm IDEA: XBRL DOCUMENT
v3.24.2.u1

Loans, Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | $ 21,598 | $ 15,250 | $ 21,153 | $ 18,552 | $ 18,552
Allowance for credit loss on PCD acquired loans |  | 1,689 |  | 1,689 |
Charge-offs | (682) | (4) | (1,356) | (11) |
Recoveries | 7 | 26 | 14 | 31 |
Provision | 1,874 | 4,691 | 2,986 | 4,691 |
Balance at end of period | 22,797 | 21,652 | 22,797 | 21,652 | 21,153
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | (3,300) | (3,300)
Residential [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Charge-offs |  |  | 0 |  | (1)
Commercial [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Charge-offs |  |  | 0 |  | 0
Construction [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Charge-offs |  |  | 0 |  | 0
Real Estate Loans [Member] | Residential [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 2,347 | 1,195 | 2,354 | 1,056 | 1,056
Allowance for credit loss on PCD acquired loans |  | 108 |  | 108 |
Charge-offs | 0 | (1) | 0 | (1) |
Recoveries | 0 | 0 | 0 | 0 |
Provision | 8 | 1,373 | 1 | 1,433 |
Balance at end of period | 2,355 | 2,675 | 2,355 | 2,675 | 2,354
Real Estate Loans [Member] | Residential [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | 79 | 79
Real Estate Loans [Member] | Commercial [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 9,741 | 6,747 | 9,178 | 10,120 | 10,120
Allowance for credit loss on PCD acquired loans |  | 39 |  | 39 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | 542 | 2,488 | 1,105 | 2,185 |
Balance at end of period | 10,283 | 9,274 | 10,283 | 9,274 | 9,178
Real Estate Loans [Member] | Commercial [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | (3,070) | (3,070)
Real Estate Loans [Member] | Agricultural [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 3,672 | 3,409 | 3,264 | 4,589 | 4,589
Allowance for credit loss on PCD acquired loans |  | 37 |  | 37 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | 98 | 133 | 506 | 98 |
Balance at end of period | 3,770 | 3,579 | 3,770 | 3,579 | 3,264
Real Estate Loans [Member] | Agricultural [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | (1,145) | (1,145)
Real Estate Loans [Member] | Construction [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 1,595 | 851 | 1,950 | 801 | 801
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | 32 | 816 | (323) | 969 |
Balance at end of period | 1,627 | 1,667 | 1,627 | 1,667 | 1,950
Real Estate Loans [Member] | Construction [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | (103) | (103)
Consumer [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 1,266 | 1,220 | 1,496 | 135 | 135
Allowance for credit loss on PCD acquired loans |  | 677 |  | 677 |
Charge-offs | (7) | (3) | (37) | (10) |
Recoveries | 5 | 23 | 10 | 27 |
Provision | (53) | (658) | (258) | (610) |
Balance at end of period | 1,211 | 1,259 | 1,211 | 1,259 | 1,496
Consumer [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | 1,040 | 1,040
Other Commercial Loans [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 2,680 | 712 | 2,229 | 1,040 | 1,040
Allowance for credit loss on PCD acquired loans |  | 828 |  | 828 |
Charge-offs | (675) | 0 | (1,319) | 0 | (963)
Recoveries | 2 | 3 | 4 | 4 |
Provision | 1,249 | 934 | 2,342 | 933 |
Balance at end of period | 3,256 | 2,477 | 3,256 | 2,477 | 2,229
Other Commercial Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | (328) | (328)
Other Agricultural Loans [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 174 | 250 | 270 | 489 | 489
Allowance for credit loss on PCD acquired loans |  | 0 |  | 0 |
Charge-offs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision | 32 | 18 | (64) | (2) |
Balance at end of period | 206 | 268 | 206 | 268 | 270
Other Agricultural Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | (219) | (219)
State and Political Subdivision Loans [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 65 | 42 | 45 | 322 | 322
Allowance for credit loss on PCD acquired loans |  | 0 |  | 0 |
Charge-offs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision | (2) | 10 | 18 | 10 |
Balance at end of period | 63 | 52 | 63 | 52 | 45
State and Political Subdivision Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | (280) | (280)
Unallocated [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period | 58 | 824 | 367 | 0 | 0
Allowance for credit loss on PCD acquired loans |  | 0 |  | 0 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | (32) | (423) | (341) | (325) |
Balance at end of period | $ 26 | $ 401 | $ 26 | 401 | 367
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  |  | $ 726 | $ 726

X
- Definition Amount of increase in allowance for credit loss on financing receivable from purchase of loan. Excludes financing receivable purchased with credit deterioration, loan acquired through business combination or acquisition, and net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossLoanPurchased
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
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 increase in allowance for credit loss on financing receivable from recovery. + 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)(4) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: 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 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + 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)(3) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: 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 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of credit loss expense (reversal of expense) for financing receivable. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(11)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1 + Details
Name: | us-gaap_ProvisionForLoanLossesExpensed
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_AdjustmentsForNewAccountingPronouncementsAxis=us-gaap_AccountingStandardsUpdate201613Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

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: |