<SEC-DOCUMENT>0000739421-25-000112.txt : 20251030
<SEC-HEADER>0000739421-25-000112.hdr.sgml : 20251030
<ACCEPTANCE-DATETIME>20251030110845
ACCESSION NUMBER:		0000739421-25-000112
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		13
CONFORMED PERIOD OF REPORT:	20250930
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20251030
DATE AS OF CHANGE:		20251030

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000739421
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				232265045
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41410
		FILM NUMBER:		251433093

	BUSINESS ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
		BUSINESS PHONE:		570-662-0444

	MAIL ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>thirdqtrearnings2025.htm
<DESCRIPTION>THIRD QUARTER EARNINGS SEPTEMBER 30 2025
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        <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

        <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

        <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>

        <div style="padding-bottom: 6pt;"> <br/>
        </div>

        <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_77ab7d9dea5044b2aae5cfd3c15819d3" contextRef="c20250930to20250930">8-K</ix:nonNumeric></div>

        <div style="text-align: center; font-weight: bold; font-size: 12pt;"> <br/>
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        <div style="text-align: center; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

        <div style="text-align: center; font-size: 10pt;">PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>

        <div style="font-size: 10pt;"> <br/>
        </div>

        <div style="text-align: center; font-size: 10pt; font-weight: bold;">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_c4699ab6510047c3b86e90fad70acb4b" contextRef="c20250930to20250930" format="ixt:date-monthname-day-year-en">September 30, 2025</ix:nonNumeric></div>

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        <div style="text-align: center; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_1d34816bd77148a4af4d0d3bda804e66" contextRef="c20250930to20250930">CITIZENS FINANCIAL SERVICES INC</ix:nonNumeric><br/>
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        <div style="font-size: 10pt; text-align: center;">(Exact name of registrant as specified in its charter) </div>

        <div style="font-size: 10pt; padding-bottom: 12pt;"> <br/>
        </div>

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                <div style="text-align: left; ">&#160;</div>
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                <div style="text-align: left; ">&#160;</div>
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                <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_085c6923637546f7ac84079cb534b560" contextRef="c20250930to20250930">23-2265045</ix:nonNumeric><br/>
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                <div style="text-align: center; ">(State or other jurisdiction <br/>
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                <div style="text-align: left; ">&#160;</div>
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                  File Number)</div>
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                <div><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_5b0b19878fdb4169974c09fe981c70d1" contextRef="c20250930to20250930">16933</ix:nonNumeric><br/>
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    <td style="width: 47%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; ">(Address of principal executive offices)</div>
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        <div style="text-align: center; font-size: 10pt;">Not Applicable</div>

        <div style="text-align: center; font-size: 10pt;">(Former Name or Former Address, if Changed Since Last Report)</div>

        <div style="font-size: 10pt;"> <br/>
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        <div style="text-align: center; font-size: 10pt;"><span style="text-decoration: underline;">Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:</span></div>

        <div style="text-align: center; font-size: 10pt;"> <br/>
        </div>

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    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: center; "><span style="text-decoration: underline;">Title of each class</span></div>
              </td>

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              </td>

    <td style="width: 33.33%; vertical-align: top; font-size: 10pt;">
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    <td style="width: 33.33%; vertical-align: bottom; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_2453392e2dc143b09d373b1728b344cb" contextRef="c20250930to20250930">Common Stock, Par Value $1.00 Per Share</ix:nonNumeric><br/>
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    <td style="width: 33.33%; vertical-align: bottom; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_5735cac71ede4a4ab71766279379f03e" contextRef="c20250930to20250930">CZFS</ix:nonNumeric><br/>
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    <td style="width: 33.33%; vertical-align: bottom; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_645c61333b56412d8c0e9c8c2b0e5393" contextRef="c20250930to20250930">NASDAQ</ix:nonNumeric> Capital Market<br/>
              </td>

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        <div style="margin-top: 6pt; margin-bottom: 6pt; font-size: 10pt;"><br/>
        </div>

        <div style="text-align: left; margin-top: 6pt; margin-bottom: 6pt; font-size: 10pt;"> Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following
          provisions (see General Instruction A.2. below): </div>

        <div style="text-align: left; margin-bottom: 7.1pt; font-size: 10pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_feec78e1c61145a486297a1c0540524c" contextRef="c20250930to20250930" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Written communications pursuant to Rule 425 under the Securities
          Act (17 CFR 230.425)</div>

        <div style="text-align: left; margin-bottom: 6.95pt; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_e28019175cdb41b79e248ea4124da8e8" contextRef="c20250930to20250930" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Soliciting material pursuant to Rule 14a-12 under the Exchange
          Act (17 CFR 240.14a-12)</div>

        <div style="text-align: left; margin-bottom: 6.95pt; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_693a9ff3cf6f413e81c8ce520e2da1f4" contextRef="c20250930to20250930" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 14d-2(b) under
          the Exchange Act (17 CFR 240.14d-2(b))</div>

        <div style="text-align: left; margin-bottom: 2.05pt; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_33c42060e33649b9af4bd405e0d2f6d6" contextRef="c20250930to20250930" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 13e-4(c) under
          the Exchange Act (17 CFR 240.13e-4(c))</div>

        <div style="margin-bottom: 2.05pt; font-size: 10pt;"> <br/>
        </div>

        <div style="text-align: left; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act
          of 1934 (&#167;240.12b-2 of this chapter):</div>

        <div><br/>
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        <div style="text-align: left; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_474ef560268645a2a75e487347109c4d" contextRef="c20250930to20250930" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

        <div><br/>
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        <div style="text-align: left; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
          provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>

        <div style="margin-top: 6pt;">
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  <div>
    <div style="text-align: left; margin-bottom: 12pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 2.02.</span><span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt">&#160;</span><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Results of Operations and Financial Condition.</span></div>

    <div style="text-align: left; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Randall E. Black, Chief Executive Officer, recently announced the unaudited consolidated financial results for Citizens Financial
      Services, Inc. and susbisidaries for the third quarter 2025.</div>

    <div style="text-align: left; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On October 30, 2025, Citizens Financial Services, Inc. issued a press release titled &#8220;Citizens Financial Services, Inc. Reports Unaudited
      Third Quarter 2025 Financial Results&#8221;, attached as Exhibit 99.1 to the Current Report on Form 8-K and incorporated herein by reference.&#160; The information furnished under Item 2.02 of the Current Report on an 8-K shall not be deemed &#8220;filed&#8221; for any
      purpose.</div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item&#160;9.01.&#160;</span>&#160;&#160;&#160;&#160;&#160;<span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Financial Statements and Exhibits.</span></div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#65279;</div>

    <div style="text-align: left; margin-bottom: 7pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(d)&#160; Exhibits</div>

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          </td>

    <td style="width: 1.16%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

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            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Exhibit No.</div>
          </td>

    <td style="width: 1.16%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
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            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#65279;</span><a href="thirdqtrpressrelease2025.htm">99.1</a></div>
          </td>

    <td style="width: 1.16%; vertical-align: middle;">
            <div style="text-align: left; font-family: 'Times New Roman', serif; font-size: 1pt;">&#160;</div>
          </td>

    <td style="width: 80.53%; vertical-align: middle;">
            <div style="text-align: left; margin-right: 2pt; margin-left: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="thirdqtrpressrelease2025.htm">Press release issued by Citizens Financial Services, Inc. on October 30, 2025, titled &#8220;Citizens Financial Services, Inc.
                Reports Unaudited Third Quarter 2025 Financial Results&#8221;.</a></div>
          </td>

    <td style="width: 4.29%; vertical-align: bottom;">&#160;</td>

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          </td>

    <td style="width: 1.16%; vertical-align: middle;">&#160;</td>

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    <div style="text-align: center; margin-top: 4.2pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

    <div style="margin-top: 0.05pt; margin-bottom: 6pt;"><br/>
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    <div style="text-align: left; text-indent: 36pt; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be
      signed on its behalf by the undersigned hereunto duly authorized.</div>

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    <td valign="top" style="width: 38%;" colspan="2"><strong>CITIZENS FINANCIAL SERVICES, INC.<br/>
              </strong></td>

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              <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left;">Date:&#160; October 30, 2025<br/>
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              <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left;">By: </div>
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    <td valign="top" align="left" style="width: 35%; border-bottom: #000000 2px solid; white-space: nowrap;">/s/ Stephen J. Guillaume<br/>
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    <td valign="bottom" align="left" style="width: 35%; white-space: nowrap;">Stephen J. Guillaume<br/>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>thirdqtrpressrelease2025.htm
<DESCRIPTION>THIRD QUARTER 2025 PRESS RELEASE
<TEXT>
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      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-variant: small-caps;">Contact:&#160; LEEANN GEPHART, </font>CHIEF BANKING
        OFFICER</div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">First Citizens Community Bank</div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">15 S. Main Street</div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps;">Mansfield, PA 16933</div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">570-545-6005</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 270pt" class="TRGRRTFtoHTMLTab">&#160;</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-variant: small-caps;">570-662-8512 (fax)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 270pt" class="TRGRRTFtoHTMLTab">&#160;</font></div>
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      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: small-caps; font-weight: bold;">citizens financial services, inc. reports unaudited third quarter 2025 financial results</div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">MANSFIELD, PENNSYLVANIA&#8212; October 30, 2025 &#8211; Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the &#8220;Bank&#8221;),
        released today its unaudited consolidated financial results for the three and nine months ended September 30, 2025.</div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Highlights</div>
      <div><br>
      </div>
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              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net income for the first nine months of 2025 was $26,089,000, which was $6,254,000, or 31.5% more&#160; than 2024&#8217;s net income through September 30,
                  2024 due to the increase in net interest income after the provision for credit losses of $8,920,000. The effective tax rate for the first nine months of 2025 was 18.9% compared to 17.8% in the comparable period in 2024.</div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net income was $10,005,000 for the three months ended September 30, 2025, which was $2,469,000 more than the net income for 2024&#8217;s comparable
                  period due to an increase in net interest income after the provision for credit losses of $3,116,000. The effective tax rate for the three months ended September 30, 2025 was 19.1% compared to 18.5% in the comparable period in 2024.</div>
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      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income before the provision for credit losses was $71,790,000 for the nine months ended September 30, 2025, an increase of
                  $8,208,000, or 12.9%, over the same period a year ago and was primarily due to an increase in investment income and a decrease in interest expense.</div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision (release) for credit losses for the three and nine months ended September 30, 2025 was $500,000 and $1,875,000, respectively
                  compared to $(200,000) and $2,587,000 for the three and nine months ended September 30, 2024, respectively. The provision for the 2025 periods was driven by the current economic forecasts. The provision for 2024 was significantly impacted
                  by loans that were not sold as part of the sale of a division known as Braavo that occurred in the first quarter of 2024. The vast majority of the Braavo loans that were retained after the sale were originated by Huntington Valley Bank in
                  2023 prior to the acquisition and were current as of the acquisition date in 2023.&#160; The provision for the nine months ended September 30, 2024, directly attributable to these loans was $1,806,000.</div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Return on average equity for the three and nine months (annualized) ended September 30, 2025 was 12.52% and 11.15% compared to 10.31% and 9.23%
                  for the three and nine months (annualized) ended September 30, 2024. If the provision for the credit losses attributable to the Braavo loans and the gain on the sale of Braavo were excluded, the return on average equity for the nine
                  months (annualized) ended September 30, 2024 would have been 9.56% (non-GAAP). (1)</div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Return on average tangible equity (non-GAAP) for the three and nine months (annualized) ended September 30, 2025 was 17.29% and 15.56% compared to
                  14.82% and 13.39% for the three and nine months (annualized) ended September 30, 2024. If the provision for the credit losses attributable to the Braavo loans and the gain on the sale of Braavo were excluded, the return on average
                  tangible equity for the nine months (annualized) ended September 30, 2024 would have been 13.87% (non-GAAP). (1)</div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Return on average assets for the three and nine months (annualized) ended September 30, 2025 was 1.33% and 1.16% compared to 1.01% and 0.89% for
                  the three and nine months (annualized) ended September 30, 2024. If the provision for the credit losses attributable to the Braavo loans and the gain on the sale of Braavo were excluded, the return on average assets for the nine months
                  (annualized) ended September 30, 2024 would have been 0.92% (non-GAAP). (1)</div>
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      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-performing assets decreased $5,618,000, or 19.6% since December 31, 2024 and totaled $22,994,000 as of September 30, 2025, which is $1,051,000
                  less than the balance as of September 30, 2024. During the third quarter of 2025, the Bank recognized additional interest income of $473,000 from the pay-offs of three relationships that for portions of the last year were considered
                  non-performing. The decrease since December reflects three large relationships being placed back on accrual status due to making contractual payments for at least six consecutive months and the pay-offs of three large relationships in the
                  third quarter of 2025 offset by placing two large relationships on non-accrual status.&#160; As a percent of loans, non-performing assets totaled 0.98%, 1.24% and 1.03% as of September 30, 2025, December 31, 2024 and September 30, 2024,
                  respectively.</div>
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      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Nine Months Ended September 30, 2025 Compared to 2024</div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
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              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">For the nine months ended September 30, 2025, net income totaled $26,089,000 which compares to net income of $19,835,000 for the first nine months
                  of 2024, an increase of $6,254,000. Basic earnings per share of $5.44 for the first nine months of 2025 compared to $4.14 for the first nine months last year.&#160; Annualized return on equity for the nine months ended September 30, 2025 and
                  2024 was 11.15% and 9.23%, while annualized return on assets was 1.16% and 0.89%, respectively. The increase in performance when comparing 2025 to 2024 was due to an increase in the net interest margin from 3.09% to 3.44% and a decrease
                  in the provision for credit losses.</div>
              </td>
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      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income before the provision for credit losses for the nine months ended September 30, 2025 totaled $71,790,000 compared to
                  $63,582,000 for the nine months ended September 30, 2024, resulting in an increase of $8,208,000, or 12.9%.&#160; Average interest earning assets increased $39,854,000 for the nine months ended September 30, 2025 compared to the same period
                  last year, primarily due to an increase in taxable investments and outstanding student loans. Average loans increased $20,223,000, while average investment securities increased $24,472,000. The yield on interest earning assets increased
                  nine basis points to 5.63%, while the cost of interest-bearing liabilities decreased 30 basis points to 2.72%. As a result, the tax effected net interest margin increased from 3.09% for the nine months ended September 30, 2024 to 3.44%
                  for the nine months ended September 30, 2025.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">

            <tr>
              <td style="width: 18pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for credit losses for the nine months ended September 30, 2025 was $1,875,000 compared to $2,587,000 for the nine months ended
                  September 30, 2024, a decrease of $712,000.&#160; The provision for 2025 was driven by the economic forecasts and the annual update of loss drivers, which includes historical loss data, as well as prepayment and curtailment speeds. The
                  provision for 2024 was impacted by the Braavo loans as previously mentioned and an increase in past due and classified loans during the second quarter of 2024.</div>
              </td>
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      <div><br>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest income was $10,946,000 for the nine months ended September 30, 2025, which is $1,116,000 less than the non-interest income of
                  $12,062,000 for the same period last year. The primary drivers were the gain on the sale of assets associated with Braavo and earnings on bank owned life insurance due to the passing of a former employee in the first quarter of 2024.</div>
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      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest expenses for the nine months ended September 30, 2025 totaled $48,709,000 compared to $48,918,000 for the same period last
                  year, which is a decrease of $209,000. Salary and benefit costs increased $567,000 due to additional healthcare expenses and post-employment benefits. There are 12 fewer FTEs in 2025 compared to 2024. The decrease in professional fees and
                  software costs is due to the sale of the Braavo division in 2024.</div>
              </td>
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      <div><br>
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      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for income taxes increased $1,759,000 when comparing the nine months ended September 30, 2025 to the same period in 2024 as a result
                  of an increase in income before income tax of $8,013,000. The effective tax rate was 18.9% and 17.8% for the three months ended September 30, 2025 and 2024, respectively.</div>
              </td>
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      <div><br>
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      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Three Months Ended September 30, 2025 Compared to 2024</div>
      <div><br>
      </div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">For the three months ended September 30, 2025, net income totaled $10,005,000 which compares to net income of $7,536,000 for the comparable period
                  of 2024, an increase of $2,469,000 or 32.7%.&#160; Basic earnings per share of $2.09 for the three months ended September 30, 2025 compares to $1.57 for the 2024 comparable period. Annualized return on equity for the three months ended
                  September 30, 2025 and 2024 was 12.52% and 10.31%, while annualized return on assets was 1.33% and 1.01%, respectively.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income before the provision for credit losses for the three months ended September 30, 2025 totaled $25,140,000 compared to
                  $21,324,000 for the three months ended September 30, 2024, resulting in an increase of $3,816,000, or 17.9%. Average interest earning assets increased $24,110,000 for the three months ended September 30, 2025 compared to the same period
                  last year, primarily due to increases in the average balance of investments. Average loans decreased $12,068,000, while average investment securities increased $34,955,000. The tax effected net interest margin for the three months ended
                  September 30, 2025 was 3.60% compared to 3.09% for the same period last year. The yield on interest earning assets increased 16 basis points to 5.74%, while the cost of interest-bearing liabilities decreased 39 basis points to 2.67%.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for credit losses for the third quarter of 2025 of $500,000 was driven by the change in economic factors during the quarter. The
                  provision (release) for credit losses of ($200,000) for the 2024 period was due to changes in qualitative factors in the calculation related to inflation.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest income was $3,854,000 for the three months ended September 30, 2025, $99,000 more than the comparable period last year.&#160; The
                  primary driver of the increase was an increase in brokerage and insurance commissions of $216,000.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-interest expenses for the three months ended September 30, 2025 totaled $16,134,000 compared to $16,029,000 for the same period last
                  year, which is an increase of $105,000, or 0.7%. Salary and employee benefits increased due to healthcare costs, profit sharing, vacation costs and other post-retirement benefits.</div>
              </td>
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        </table>
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      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The provision for income taxes increased $641,000 when comparing the three months ended September 30, 2025 to the same period in 2024. This
                  increase was attributable to increase in income before provision for income taxes of $3,110,000.&#160; The effective tax rate was 19.1% and 18.5% for the three months ended September 30, 2025 and 2024, respectively.</div>
              </td>
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        </table>
      </div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Balance Sheet and Other Information:</div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At September 30, 2025, total assets were $3.06 billion compared to $3.03 billion at December 31, 2024 and September 30, 2024. The loan to deposit
                  ratio as of September 30, 2025 was 96.86% compared to 97.21% as of December 31, 2024 and 95.14% as of September 30, 2024.</div>
              </td>
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      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Available for sale securities of $451.4 million at September 30, 2025 increased $25.4 million from December 31, 2024 and $32.2 million from
                  September 30, 2024. The yield on the investment portfolio increased from 2.36% to 2.98% on a tax equivalent basis due to securities purchased during a higher market interest rate environment and lower yielding securities maturing.
                  Investment activity for 2025 has focused on replacing securities as they mature.</div>
              </td>
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      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net loans totaled $2.31 billion at September 30, 2025 and $2.29 billion at December 31, 2024, an increase of $21.4 million. As of September 30,
                  2024, net loans totaled $2.31 billion. The increase in net loans since year end was due to an increase in other commercial loans during the year.</div>
              </td>
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        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The allowance for credit losses - loans totaled $22,454,000 at September 30, 2025 which is an&#160; increase of $755,000 from December 31, 2024 and is
                  due to increases in the provision based on the economic forecasts and changes in expected prepayment speeds. The provision for credit losses on loans was $1,485,000 for the first nine months of 2025. Loan recoveries and charge-offs were
                  $71,000 and $801,000, respectively, for the nine months ended September 30, 2025. For the three months ended September 30, 2025, loan recoveries and charge-offs were $17,000 and $20,000, respectively.&#160; The allowance for credit losses as a
                  percent of total loans was 0.96% as of September 30, 2025 and 0.94% as of December 31, 2024.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Deposits increased $29.2 million from December 31, 2024, to $2.41 billion at September 30, 2025. Competitive pressure for deposits remains high.
                  Brokered CD&#8217;s have decreased $33.1 million since December 31, 2024 and have decreased $81.6 million since September 30, 2024. Additionally, a school district in our southeastern Pennsylvania market saw a decrease in their balance of $43.3
                  million due to the lack of state budget in 2025.</div>
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      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Borrowed funds totaled $279.6 million as of September 30, 2025, a $18.1 million decrease from December 31, 2024 due to deposit growth offset by
                  increases in loans and investments in 2025.</div>
              </td>
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        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Stockholders&#8217; equity totaled $327.7 million at September 30, 2025, compared to $299.7 million at December 31, 2024, an increase of $27.9 million.
                  Excluding accumulated other comprehensive loss (AOCL), stockholders&#8217; equity increased $19.1 million and totals $342.3 million (non-GAAP). The increase in stockholders&#8217; equity was attributable to net income for the nine months ended
                  September 30, 2025 totaling $26.1 million, offset by cash dividends for the nine months ended September 30, 2025 totaling $7.1 million. As a result of decreases in market interest rates impacting the fair value of investment securities
                  and swaps, stockholders&#8217; equity increased due to a decrease in AOCL of $8.9 million from December 31, 2024.</div>
              </td>
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        </table>
      </div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"> <br>
      </div>
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      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Dividend Declared</div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On September 2, 2025, the Board of Directors declared a cash dividend of $0.50 per share, which was paid on September 26, 2025 to shareholders of record at
        the close of business on September 12, 2025. This quarterly cash dividend is an increase of 3.1% over the regular cash dividend of $0.485 per share declared one year ago, as adjusted for the 1% stock dividend declared in June 2025.</div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Citizens Financial Services, Inc. has nearly 1,850 shareholders, the majority of whom reside in markets where its offices are located.</div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Note: This press release may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.&#160;
        These statements are not historical facts; rather, they are statements based on the Company's current expectations regarding its business strategies and their intended results and its future performance. &#160;Forward-looking statements are preceded by
        terms such as "expects," "believes," "anticipates," "intends" and similar expressions.&#160; Forward-looking statements are not guarantees of future performance. &#160;Numerous risks and uncertainties could cause or contribute to the Company's actual
        results, performance and achievements to be materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, changes in general economic
        conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; legislative and regulatory changes; and other factors disclosed periodically in the Company's filings with the Securities
        and Exchange Commission.&#160; Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this press release or made elsewhere periodically by the Company
        or on its behalf.&#160; The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation.</div>
      <div><br>
      </div>
      <div>
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                <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">See reconciliation of GAAP and non-gaap measures at the end of the press release</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED FINANCIAL HIGHLIGHTS</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(Dollars in thousands, except per share data)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;" rowspan="1" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of or For The</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;" rowspan="1" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of or For The</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 27.45%; vertical-align: top;" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended</div>
            </td>
            <td style="width: 26.8%; vertical-align: top;" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Nine Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;" rowspan="1" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;" rowspan="1" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Income and Performance Ratios</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 10,005</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 7,536</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; 26,089</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 19,835</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Return on average assets (annualized)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.33%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.01%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.16%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.89%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Return on average equity (annualized)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">12.52%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">10.31%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">11.15%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">9.23%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Return on average tangible equity (annualized) (a)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">17.29%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">14.82%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">15.56%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">13.39%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net interest margin (tax equivalent) (a)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.60%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.09%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.44%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.09%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Earnings per share - basic (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 2.09</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 1.57</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 5.44</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 4.14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Earnings per share - diluted (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 2.09</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 1.57</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 5.44</div>
            </td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 4.13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash dividends paid per share (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 0.500</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 0.485</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 1.480</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.446</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - basic (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,796,946</div>
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            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,796,752</div>
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            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,797,335</div>
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            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,796,061</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - diluted (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,798,051</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,798,297</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,799,466</div>
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            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,801,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Asset quality</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Allowance for credit losses - loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 22,454</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,695</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-performing assets</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 22,994</div>
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            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 24,045</div>
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            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Allowance for credit losses - loans to total loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.96%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.93%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-performing assets to total loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.98%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.03%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized net charge-offs to total loans</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.00%</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.21%</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">0.05%</div>
            </td>
            <td style="width: 12.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.15%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Equity</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Book value per share (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 68.16</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 62.13</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible book value per share (a) (b)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 49.83</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 43.65</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Market value per share (Last reported trade of month)</div>
            </td>
            <td style="width: 15.04%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 60.28</div>
            </td>
            <td style="width: 12.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 58.75</div>
            </td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Common shares outstanding</div>
            </td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,807,314</div>
            </td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4,759,730</div>
            </td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <tr>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 388,594</div>
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            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
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            <td style="width: 12.41%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.04%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.41%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;427,659</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;420,920</div>
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            <td style="width: 45.75%; vertical-align: top;">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,335,388</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,313,242</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,331,002</div>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Allowance for credit losses - loans</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,454</div>
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            <td style="width: 45.75%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Stockholders' Equity</div>
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.75%; vertical-align: top;">&#160;</td>
            <td style="width: 15.04%; vertical-align: top;">&#160;</td>
            <td style="width: 12.41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.21%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(a) <font style="font-size: 8pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">See reconciliation of GAAP and Non-GAAP measures
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            <td style="width: 12.59%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(b) Prior period amounts were adjusted to reflect stock dividends.</div>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED BALANCE SHEET</div>
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            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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            <td style="width: 65.21%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">September 30,</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
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          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(in thousands, except share data)</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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          <tr>
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            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash and due from banks:</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; 24,529</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160;&#160; 30,284</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 26,780</div>
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            <td style="width: 10.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,520</div>
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            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 77.29%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
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            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 65.21%; vertical-align: top;">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;2,291,543</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,309,307</div>
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            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 65.21%; vertical-align: top;">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,508</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,395</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,237</div>
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          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest receivable</div>
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            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,307</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,803</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Goodwill</div>
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            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,758</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,758</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,758</div>
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            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank owned life insurance</div>
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            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;51,132</div>
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            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;50,341</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;50,084</div>
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other intangibles</div>
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            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,374</div>
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            <td style="width: 10.64%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,892</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,083</div>
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            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Fair value of derivative instruments - asset</div>
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            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,487</div>
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            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,370</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,993</div>
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deferred tax asset</div>
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            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,294</div>
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            <td style="width: 10.64%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,199</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,449</div>
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            <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other assets</div>
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            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;49,959</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;54,631</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;47,731</div>
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL ASSETS</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160;&#160; 3,056,421</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; 3,025,724</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160;&#160; 3,026,468</div>
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          <tr>
            <td style="width: 65.21%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES:</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits:</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Noninterest-bearing</div>
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            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; 522,168</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160;&#160; 532,776</div>
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            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 548,218</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Interest-bearing</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;1,889,035</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;1,849,252</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,901,931</div>
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          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total deposits</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;2,411,203</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;2,382,028</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,450,149</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Borrowed funds</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;279,589</div>
            </td>
            <td style="width: 10.64%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;297,721</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;231,732</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accrued interest payable</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,754</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,693</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,549</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Fair value of derivative instruments - liability</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,332</div>
            </td>
            <td style="width: 10.64%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,817</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,763</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other liabilities</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,861</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,731</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,621</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL LIABILITIES</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;2,728,739</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;2,725,990</div>
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            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,727,814</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">STOCKHOLDERS' EQUITY:</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Preferred Stock $1.00 par value; authorized</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;3,000,000 shares; none issued in 2025 or 2024</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Common stock</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 87.93%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;$1.00 par value; authorized 25,000,000 shares at September 30, 2025, December 31, 2024 and</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;September 30, 2024: issued 5,255,464 at September 30, 2025 and 5,207,577 at December 31, 2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;and 5,207,343 at September 30, 2024</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,255</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,208</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,207</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Additional paid-in capital</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;147,971</div>
            </td>
            <td style="width: 10.64%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;144,984</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;144,927</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Retained earnings</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;205,542</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;189,443</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;183,792</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Accumulated other comprehensive loss</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(14,650)</div>
            </td>
            <td style="width: 10.64%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(23,521)</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(18,916)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 77.29%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Treasury stock, at cost:&#160; 449,087 shares at September 30, 2025 and 447,965 shares</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.07%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;at December 31, 2024 and 447,613 shares at September 30, 2024</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16,436)</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16,380)</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(16,356)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL STOCKHOLDERS' EQUITY</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;327,682</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;299,734</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;298,654</div>
            </td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL LIABILITIES AND</div>
            </td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
            <td style="width: 10.64%; vertical-align: top;">&#160;</td>
            <td style="width: 12.07%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 65.21%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;STOCKHOLDERS' EQUITY</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160;&#160; 3,056,421</div>
            </td>
            <td style="width: 10.64%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; 3,025,724</div>
            </td>
            <td style="width: 12.07%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160;&#160; 3,026,468</div>
            </td>
          </tr>

      </table>
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    <div> <br>
    </div>
    <div> <br>
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      <table cellspacing="0" cellpadding="0" border="0" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 64.22%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED STATEMENT OF INCOME</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">&#160;</td>
            <td style="width: 24.66%; vertical-align: top;" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended</div>
            </td>
            <td style="width: 23.46%; vertical-align: top;" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Nine Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 24.66%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
            </td>
            <td style="width: 23.46%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(in thousands, except share and per share data)</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">INTEREST INCOME:</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest and fees on loans</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 36,418</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 35,858</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160;&#160; 107,201</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; 106,058</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing deposits with banks</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;119</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;190</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;394</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;695</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities:</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;Taxable</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,595</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,736</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,331</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,023</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;Nontaxable</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;684</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;517</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,815</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,569</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;Dividends</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;438</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;388</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,276</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,179</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL INTEREST INCOME</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;40,254</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;38,689</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;118,017</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;114,524</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">INTEREST EXPENSE:</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Deposits</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,501</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,475</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,244</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;38,451</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Borrowed funds</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,613</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,890</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,983</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,491</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL INTEREST EXPENSE</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,114</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,365</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;46,227</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;50,942</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NET INTEREST INCOME</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;25,140</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,324</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;71,790</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;63,582</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision (release) for credit losses</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;500</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(200)</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,875</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,587</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NET INTEREST INCOME AFTER</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;PROVISION (RELEASE) FOR CREDIT LOSSES</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,640</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,524</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;69,915</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;60,995</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NON-INTEREST INCOME:</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Service charges</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,598</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,636</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,192</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,393</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Trust</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;186</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;184</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;593</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;629</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Brokerage and insurance</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;761</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;545</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,071</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,773</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Gains on loans sold</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;709</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;752</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,720</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,648</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Equity security gains, net</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;34</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;159</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;127</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Earnings on bank owned life insurance</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;363</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;338</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,064</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,334</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Gain on sale of Braavo division</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,102</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;203</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;141</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,250</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,056</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL NON-INTEREST INCOME</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,854</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,755</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,946</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,062</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NON-INTEREST EXPENSES:</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Salaries and employee benefits</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,924</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,715</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,189</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,622</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Occupancy</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,320</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,215</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,858</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,805</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Furniture and equipment</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;273</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;260</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;856</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;791</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Professional fees</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;493</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;620</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,535</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,021</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">FDIC insurance expense</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;395</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;555</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,340</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,589</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Pennsylvania shares tax</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;430</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;226</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,054</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;866</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Amortization of intangibles</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;136</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;367</div>
            </td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;432</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Software expenses</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;457</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;500</div>
            </td>
            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,342</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,508</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other real estate owned expenses</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;84</div>
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            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;198</div>
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            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;246</div>
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          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,723</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,718</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,970</div>
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            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,038</div>
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          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">TOTAL NON-INTEREST EXPENSES</div>
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            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,134</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,029</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;48,709</div>
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            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;48,918</div>
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          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Income before provision for income taxes</div>
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            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,360</div>
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            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,250</div>
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            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;32,152</div>
            </td>
            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,139</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for income tax expense</div>
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            <td style="width: 12.34%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,355</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,714</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,063</div>
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            <td style="width: 11.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,304</div>
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          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">NET INCOME</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,536</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 26,089</div>
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            <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; 19,835</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">PER COMMON SHARE DATA:</div>
            </td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net Income - Basic</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 2.09</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.57</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 5.44</div>
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            <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 4.14</div>
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          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net Income - Diluted</div>
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            <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 2.09</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.57</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 5.44</div>
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            <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 4.13</div>
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          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Cash Dividends Paid</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160;&#160; 0.500</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 0.485</div>
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            <td style="width: 12.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160;&#160; 1.480</div>
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            <td style="width: 11.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 1.446</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top;">&#160;</td>
            <td style="width: 12.34%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 12.32%; vertical-align: top;">&#160;</td>
            <td style="width: 11.13%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - basic</div>
            </td>
            <td style="width: 12.34%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,796,946</div>
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            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;4,796,752</div>
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            <td style="width: 12.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,797,335</div>
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            <td style="width: 11.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;4,796,061</div>
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          <tr>
            <td style="width: 51.88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Number of shares used in computation - diluted</div>
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            <td style="width: 12.34%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,798,051</div>
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            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;4,798,297</div>
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            <td style="width: 12.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;4,799,466</div>
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            <td style="width: 11.13%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;4,801,000</div>
            </td>
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          <tr>
            <td style="width: 53.06%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.4%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">QUARTERLY CONDENSED, CONSOLIDATED INCOME STATEMENT INFORMATION</div>
            </td>
            <td style="width: 9.4%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.4%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(in thousands, except per share data)</div>
            </td>
            <td colspan="2" style="width: 18.78%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Three Months Ended,</div>
            </td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 53.06%; vertical-align: top;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Sept 30,</div>
            </td>
            <td style="width: 9.4%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
            </td>
            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
            </td>
            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Dec 31,</div>
            </td>
            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Sept 30,</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2025</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2025</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest income</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 40,254</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 38,749</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 39,014</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 39,793</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 38,689</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest expense</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,114</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,101</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,012</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,920</div>
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            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,365</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net interest income</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;25,140</div>
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            <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,648</div>
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            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,002</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,873</div>
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            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,324</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Provision (release) for credit losses</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;500</div>
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            <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;750</div>
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            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;625</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(200)</div>
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          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net interest income after provision (release) for credit losses</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,640</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,898</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,377</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,873</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,524</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Non-interest income</div>
            </td>
            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,820</div>
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            <td style="width: 9.4%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,632</div>
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            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,438</div>
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            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,321</div>
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            <td style="width: 9.39%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,596</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Investment securities gains (losses), net</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;34</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;33</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(11)</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;159</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Non-interest expenses</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,134</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,147</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,428</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,668</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,029</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Income before provision for income taxes</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,360</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,416</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,376</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,544</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,250</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Provision for income tax expense</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,355</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,953</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,755</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,561</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,714</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net income</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 8,463</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,621</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,983</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 7,536</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings Per Share - Basic</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 2.09</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.76</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.66</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.06%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings Per Share - Diluted</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 2.09</div>
            </td>
            <td style="width: 9.4%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.76</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.59</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.66</div>
            </td>
            <td style="width: 9.39%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 1.57</div>
            </td>
          </tr>

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    <div><br>
    </div>
    <div><br>
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    <div>
      <table cellspacing="0" cellpadding="0" border="0" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;" id="z260b593bc9bf43c68d5c3ee6cbe5ed85">

          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td colspan="7" style="width: 100%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CONSOLIDATED AVERAGE BALANCES, INTEREST, YIELDS AND RATES, AND NET INTEREST MARGIN ON A FULLY TAX-EQUIVALENT BASIS</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">&#160;</td>
            <td colspan="4" style="width: 35.2%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended September 30,</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td colspan="3" rowspan="1" style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td colspan="3" rowspan="1" style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
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          <tr>
            <td style="width: 50.13%; vertical-align: top;">&#160;</td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">&#160;</td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Balance (1)</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Rate</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance (1)</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Rate</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(dollars in thousands)</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">%</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">ASSETS</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing deposits at banks</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,597</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.82</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,374</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;160</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.44</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest bearing time deposits at banks</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,820</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.01</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,820</div>
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            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.12</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities:</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Taxable</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;381,036</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,033</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.18</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;352,377</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,124</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Tax-exempt (3)</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;110,638</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;865</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.13</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;104,342</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;653</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.50</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;491,674</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,898</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.17</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;456,719</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,777</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans: (2)(3)(4)</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Residential mortgage loans</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;343,920</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,227</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.03</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;355,551</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,322</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.95</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Construction loans</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120,492</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,122</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.99</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;183,521</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,473</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">7.53</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Commercial Loans</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;1,339,367</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,204</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.58</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,258,916</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,019</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">6.33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Agricultural Loans</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;362,260</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,252</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.75</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;356,105</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,816</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.38</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans to state &amp; political subdivisions</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;52,248</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;514</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.90</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;55,418</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;553</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.97</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Other loans</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;66,908</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,203</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.13</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;87,752</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,785</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">8.09</div>
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          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans, net of discount (2)(3)(4)</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,285,195</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;36,522</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.34</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,297,263</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,968</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">6.23</div>
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          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-earning assets</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,800,286</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;40,539</div>
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            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.74</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,776,176</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;38,935</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.58</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash and due from banks</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,912</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,119</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank premises and equipment</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,718</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,864</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other assets</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;187,100</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;197,275</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest earning assets</div>
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            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;218,730</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;227,258</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total assets</div>
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            <td style="width: 9.44%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;3,019,016</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;3,003,434</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES AND STOCKHOLDERS' EQUITY</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing liabilities:</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Business Interest Checking</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,624</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;46</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.88</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;NOW accounts</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;701,732</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,702</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.09</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;736,449</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,559</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.46</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Savings accounts</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;284,316</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;327</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.46</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;293,990</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;387</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.52</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Money market accounts</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;459,993</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,257</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.81</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;406,363</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,366</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Certificates of deposit</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;458,402</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,169</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.61</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;502,226</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,163</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.09</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total interest-bearing deposits</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;1,925,067</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,501</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.37</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,939,028</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,475</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other borrowed funds</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;321,632</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,613</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.46</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;319,909</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,890</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.84</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-bearing liabilities</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;2,246,699</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,114</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.67</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,258,937</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,365</div>
            </td>
            <td style="width: 6.09%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.06</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Demand deposits</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;394,863</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;393,632</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other liabilities</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;37,587</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;34,487</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest-bearing liabilities</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;432,450</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;428,119</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Stockholders' equity</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;339,867</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;316,378</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total liabilities &amp; stockholders' equity</div>
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            <td style="width: 9.44%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;3,019,016</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;3,003,434</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net interest income</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;25,425</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,570</div>
            </td>
            <td style="width: 6.09%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net interest spread (5)</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.07%</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.52%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net interest income as a percentage</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;of average interest-earning assets</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.60%</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.09%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Ratio of interest-earning assets</div>
            </td>
            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;to interest-bearing liabilities</div>
            </td>
            <td style="width: 9.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">125%</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 6.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">123%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">&#160;</td>
            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.13%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1) Averages are based on daily averages.</div>
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            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;a statutory federal income tax rate of 21% for 2025 and 2024. See reconciliation of GAAP and non-gaap measures at the end</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;of the press release</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning assets.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;and the average rate paid on interest-bearing liabilities.</div>
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            <td style="width: 9.44%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 6.09%; vertical-align: top;">&#160;</td>
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      <table cellspacing="0" cellpadding="0" border="0" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;" id="z4a8d81db3b484856b6098324e8e421e4">

          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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            <td style="width: 51.33%; vertical-align: top;">&#160;</td>
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            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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            <td style="width: 51.33%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Average</div>
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            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
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            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average</div>
            </td>
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          <tr>
            <td style="width: 51.33%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">
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            </td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Interest</div>
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            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Rate</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance (1)</div>
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            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Rate</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(dollars in thousands)</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">$</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">%</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">$</div>
            </td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">%</div>
            </td>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">ASSETS</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing deposits at banks</div>
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            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,479</div>
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            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;306</div>
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            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.67</div>
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            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,242</div>
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            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;605</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.76</div>
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          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest bearing time deposits at banks</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,820</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.08</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,898</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.08</div>
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          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities:</div>
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            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Taxable</div>
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            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;381,600</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,607</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.01</div>
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            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;356,871</div>
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            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,202</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.32</div>
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          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Tax-exempt (3)</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;105,477</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,297</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.90</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;105,734</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,986</div>
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            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.50</div>
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          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Investment securities</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;487,077</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,904</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.98</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;462,605</div>
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            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,188</div>
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            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2.36</div>
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          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans: (2)(3)(4)</div>
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            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Residential mortgage loans</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;347,071</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,539</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.99</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;357,089</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,612</div>
            </td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.84</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Construction loans</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;149,505</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,010</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.16</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;185,832</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,331</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">7.43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Commercial Loans</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;1,301,875</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,345</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.40</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,264,459</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;60,676</div>
            </td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">6.41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Agricultural Loans</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;359,144</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,948</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.56</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;348,919</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,703</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.25</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans to state &amp; political subdivisions</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;53,004</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,549</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">3.91</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,116</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,659</div>
            </td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">3.94</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Other loans</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;94,947</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,118</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">7.21</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;72,908</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,402</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">8.07</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Loans, net of discount (2)(3)(4)</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;2,305,546</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;107,509</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">6.23</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,285,323</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;106,383</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">6.22</div>
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          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-earning assets</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;2,820,922</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;118,807</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">5.63</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,781,068</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;115,266</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">5.54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Cash and due from banks</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,734</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,379</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Bank premises and equipment</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,700</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,068</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other assets</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;179,430</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;184,561</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest earning assets</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;210,864</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;215,008</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total assets</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;3,031,786</div>
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            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,996,076</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">LIABILITIES AND STOCKHOLDERS' EQUITY</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Interest-bearing liabilities:</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Business Interest Checking</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,881</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;132</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.93</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;NOW accounts</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;716,279</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,498</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.15</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;767,406</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,557</div>
            </td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2.53</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Savings accounts</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;288,467</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,003</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.46</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;298,450</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,165</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;0.52</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Money market accounts</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;442,024</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,463</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.86</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;389,655</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,131</div>
            </td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;3.13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Certificates of deposit</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;473,565</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,148</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3.71</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;460,890</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,598</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;3.94</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total interest-bearing deposits</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;1,939,216</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,244</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.43</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;1,916,401</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;38,451</div>
            </td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2.68</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other borrowed funds</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;332,310</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,983</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.42</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;340,132</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,491</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;4.91</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total interest-bearing liabilities</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;2,271,526</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;46,227</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2.72</div>
            </td>
            <td style="width: 8.59%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,256,533</div>
            </td>
            <td style="width: 8.58%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;50,942</div>
            </td>
            <td style="width: 5.74%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;3.02</div>
            </td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Demand deposits</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;385,704</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;382,340</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other liabilities</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;40,794</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;44,303</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total non-interest-bearing liabilities</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;426,498</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;426,643</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Stockholders' equity</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;333,762</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;312,900</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Total liabilities &amp; stockholders' equity</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;3,031,786</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;2,996,076</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Net interest income</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;72,580</div>
            </td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,324</div>
            </td>
            <td style="width: 5.74%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net interest spread (5)</div>
            </td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2.91%</div>
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            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 8.59%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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            <td style="width: 51.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 8.58%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 51.33%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(1) Averages are based on daily averages.</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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            <td style="width: 51.33%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(2) Includes loan origination and commitment fees.</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;a statutory federal income tax rate of 21% for 2025 and 2024. See reconciliation of GAAP and non-gaap measures at the end</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;of the press release</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning assets.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets</div>
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            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;and the average rate paid on interest-bearing liabilities.</div>
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            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 8.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.58%; vertical-align: top;">&#160;</td>
            <td style="width: 5.74%; vertical-align: top;">&#160;</td>
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      <table cellspacing="0" cellpadding="0" border="0" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;" id="zd05d2f97f5f14df0b6ddf567293bd95b">

          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(Excludes Loans Held for Sale)</div>
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            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(In Thousands)</div>
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            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 45.98%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
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            <td style="width: 10.85%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2025</div>
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            <td style="width: 10.47%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2025</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Real estate:</div>
            </td>
            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Residential</div>
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            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 344,790</div>
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            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 341,671</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160;&#160; 350,221</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 351,398</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 353,254</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Commercial</div>
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            <td style="width: 12.05%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,180,655</div>
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            <td style="width: 10.85%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,151,585</div>
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            <td style="width: 10.47%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,117,240</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,121,435</div>
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            <td style="width: 10.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,110,548</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Agricultural</div>
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            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;342,487</div>
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            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;331,995</div>
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            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;329,985</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;327,722</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;331,734</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;Construction</div>
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            <td style="width: 12.05%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;107,867</div>
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            <td style="width: 10.85%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;138,307</div>
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            <td style="width: 10.47%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;168,896</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;164,326</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;178,706</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Consumer</div>
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            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;109,458</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,364</div>
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            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;109,339</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;109,505</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;123,286</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other commercial loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;171,345</div>
            </td>
            <td style="width: 10.85%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;174,740</div>
            </td>
            <td style="width: 10.47%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;158,133</div>
            </td>
            <td style="width: 10.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;155,012</div>
            </td>
            <td style="width: 10.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;154,063</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other agricultural loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;27,142</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;28,366</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;28,488</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,662</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,537</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">State &amp; political subdivision loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;51,644</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;52,727</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;53,361</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;54,182</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;54,874</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,335,388</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,241,755</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,315,663</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,313,242</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,331,002</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Less: allowance for credit losses - loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,454</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,109</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,081</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,699</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,695</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160;&#160; 2,312,934</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; 2,219,646</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,293,582</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,291,543</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160;&#160; 2,309,307</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top;">&#160;</td>
            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Past due and non-performing assets</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top;">&#160;</td>
            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total loans past due 30-89 days and still accruing</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 13,228</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 18,554</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 9,632</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 8,015</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 7,423</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top;">&#160;</td>
            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-accrual loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 20,523</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 24,595</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 23,545</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 25,701</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 20,858</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Loans past due 90 days or more and still accruing</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;37</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;347</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,393</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;276</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;701</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Non-performing loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 20,560</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 24,942</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 24,938</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 25,977</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,559</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Other real estate owned</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,434</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,434</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,544</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,635</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,486</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total Non-performing assets</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 22,994</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 27,376</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 27,482</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 28,612</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 24,045</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top;">&#160;</td>
            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 45.98%; vertical-align: top;">&#160;</td>
            <td style="width: 12.05%; vertical-align: top;">&#160;</td>
            <td style="width: 10.85%; vertical-align: top;">&#160;</td>
            <td style="width: 10.47%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
            <td style="width: 10.32%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td rowspan="1" colspan="5" style="width: 22.9%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Three Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Analysis of the Allowance for Credit Losses - Loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">September 30,</div>
            </td>
            <td style="width: 10.85%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">June 30,</div>
            </td>
            <td style="width: 10.47%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">March 31,</div>
            </td>
            <td style="width: 10.32%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">December 31,</div>
            </td>
            <td style="width: 10.32%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30,</div>
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          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(In Thousands)</div>
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            <td style="width: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 10.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2025</div>
            </td>
            <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2025</div>
            </td>
            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance, beginning of period</div>
            </td>
            <td style="width: 12.05%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 22,109</div>
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            <td style="width: 10.85%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 22,081</div>
            </td>
            <td style="width: 10.47%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 21,699</div>
            </td>
            <td style="width: 10.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,695</div>
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            <td style="width: 10.32%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 22,797</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Charge-offs</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(20)</div>
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            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(596)</div>
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            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(185)</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(105)</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,212)</div>
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          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Recoveries</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17</div>
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            <td style="width: 10.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;25</div>
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            <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10</div>
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          </tr>
          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net charge-offs</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(3)</div>
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            <td style="width: 10.85%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(571)</div>
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            <td style="width: 10.47%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(156)</div>
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            <td style="width: 10.32%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(86)</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,202)</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Provision for credit losses - loans</div>
            </td>
            <td style="width: 12.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;348</div>
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            <td style="width: 10.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;599</div>
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            <td style="width: 10.47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;538</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100</div>
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          <tr>
            <td style="width: 45.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Balance, end of period</div>
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            <td style="width: 12.05%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 22,454</div>
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            <td style="width: 10.85%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; 22,109</div>
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            <td style="width: 10.47%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 22,081</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,699</div>
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            <td style="width: 10.32%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 21,695</div>
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    </div>
    <div><br>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td colspan="2" style="width: 68.08%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Reconciliation of GAAP and Non-GAAP Financial Measures</div>
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            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">(UNAUDITED)</div>
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            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-style: italic;">(Dollars in thousands, except per share data)</div>
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            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">As of</div>
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Tangible Equity</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Stockholders' Equity - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 327,682</div>
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            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 298,654</div>
            </td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Intangible Assets</div>
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            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(88,132)</div>
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            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(88,841)</div>
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible Equity - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;239,550</div>
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
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            <td style="width: 9.7%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
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            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Tangible Equity per share</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Stockholders' Equity per share - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 68.16</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 62.13</div>
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            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Adjustment for intangible assets</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(18.48)</div>
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            <td style="width: 11.95%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tangible Book value per share - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 49.83</div>
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            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 43.65</div>
            </td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
            </td>
            <td colspan="2" style="width: 21.65%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Nine Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
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            <td colspan="2" style="width: 21.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 78.35%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Assets Excluding Accumulated Other Comprehensive Loss (AOCL)</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Assets - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; 2,998,788</div>
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            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; 2,979,371</div>
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            <td style="width: 11.95%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 3,009,997</div>
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            <td style="width: 9.7%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; 2,969,857</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average AOCL</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(20,228)</div>
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            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(24,063)</div>
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            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(21,789)</div>
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            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(26,219)</div>
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          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Assets, Excluding AOCL - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,019,016</div>
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            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,003,434</div>
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            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,031,786</div>
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            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,996,076</div>
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          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,536</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 26,089</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 19,835</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Assets-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.33%</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.01%</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.16%</div>
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            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.89%</div>
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          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Assets, Excluding AOCL - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.33%</div>
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            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.00%</div>
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            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.15%</div>
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            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.88%</div>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
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            <td colspan="2" style="width: 21.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Nine Months Ended</div>
            </td>
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          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
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            <td colspan="2" style="width: 21.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="width: 78.35%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Equity Excluding Accumulated Other Comprehensive Loss (AOCL)</div>
            </td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Stockholders' Equity - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 319,639</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 292,315</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 311,973</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 286,681</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average AOCL</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(20,228)</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(24,063)</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(21,789)</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(26,219)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Stockholders' Equity, Excluding AOCL - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;339,867</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;316,378</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;333,762</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;312,900</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,536</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 26,089</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 19,835</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Stockholders' Equity-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">12.52%</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">10.31%</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">11.15%</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">9.23%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Stockholders' Equity, Excluding AOCL - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">11.78%</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">9.53%</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">10.42%</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">8.45%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
            </td>
            <td colspan="2" style="width: 21.65%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Nine Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
            <td colspan="2" style="width: 21.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Tangible Equity</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Stockholders' Equity - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 319,639</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 292,315</div>
            </td>
            <td style="width: 11.95%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 311,973</div>
            </td>
            <td style="width: 9.7%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 286,681</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Intangible Assets</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(88,217)</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(88,931)</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(88,390)</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(89,123)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Tangible Equity - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;231,422</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;203,384</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;223,583</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;197,558</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,536</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 26,089</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 19,835</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Tangible Equity Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">17.29%</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">14.82%</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">15.56%</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">13.39%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
            </td>
            <td colspan="2" style="width: 21.65%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Nine Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
            <td colspan="2" style="width: 21.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Return on Average Assets and Equity Excluding sale of Braavo assets, net of legal fees and provision associated </div>
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">with Braavo loans remaining after sale</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,536</div>
            </td>
            <td style="width: 11.95%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 26,089</div>
            </td>
            <td style="width: 9.7%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 19,835</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax gain on sale of Braavo, net of legal fees</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(712)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax provision associated with Braavo loans remaining after sale</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,427</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income excluding sale of Braavo assets, net of legal fees and provision associated with Braavo loans remaining after sale - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,536</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 26,089</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 20,550</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Assets</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,998,788</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,979,371</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,009,997</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,969,857</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average assets, Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans remaining after sale,
                net of tax - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.33%</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">1.01%</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">1.16%</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">0.92%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Stockholders' Equity - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160;&#160; 319,639</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 292,315</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 311,973</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160;&#160; 286,681</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Stockholders' equity, Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans
                remaining after sale, net of tax&#160;&#160; - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">12.52%</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">10.31%</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">11.15%</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">9.56%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Average Tangible Equity - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;231,422</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;203,384</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;223,583</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;197,558</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Annualized Return on Average Tangible Equity Excluding sale of Braavo assets, net of legal fees, provision associated with Braavo loans remaining
                after sale, net of tax, - Non-GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">17.29%</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">14.82%</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">15.56%</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">13.87%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 10.26%; vertical-align: top;">&#160;</td>
            <td style="width: 11.95%; vertical-align: top;">&#160;</td>
            <td style="width: 9.7%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Three Months Ended</div>
            </td>
            <td colspan="2" style="width: 21.65%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">For the Nine Months Ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="width: 20.53%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
            <td colspan="2" style="width: 21.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">September 30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">2025</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">2024</div>
            </td>
          </tr>
          <tr>
            <td colspan="5" style="width: 100%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">Earnings per share, Excluding sale of Braavo assets, net of legal fees and provision associated with Braavo loans remaining after
                sale</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net Income - GAAP</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 10,005</div>
            </td>
            <td style="width: 10.26%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 7,536</div>
            </td>
            <td style="width: 11.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 26,089</div>
            </td>
            <td style="width: 9.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 19,835</div>
            </td>
          </tr>
          <tr>
            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">After tax gain on sale of Braavo, net of legal fees</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 10.26%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 11.95%; vertical-align: top;">
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            <td style="width: 57.82%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Total interest expense</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,114</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;46,227</div>
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            <td style="width: 57.82%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Net interest income</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;71,790</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">Tax equivalent adjustment</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;285</div>
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  <xs:import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>czfs-20250930_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 25.10.1.5333 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
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  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
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    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract" xml:lang="en-US" id="dei_CoverAbstract">Cover [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications" xml:lang="en-US" id="dei_WrittenCommunications">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications" xlink:title="label: WrittenCommunications to dei_WrittenCommunications" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial" xml:lang="en-US" id="dei_SolicitingMaterial">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer" xml:lang="en-US" id="dei_PreCommencementTenderOffer">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag" xml:lang="en-US" id="dei_AmendmentFlag">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag" xlink:title="label: AmendmentFlag to dei_AmendmentFlag" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus" xml:lang="en-US" id="dei_DocumentFiscalYearFocus">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate" xml:lang="en-US" id="dei_DocumentPeriodEndDate">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName" xml:lang="en-US" id="dei_EntityRegistrantName">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey" xml:lang="en-US" id="dei_EntityCentralIndexKey">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber" xml:lang="en-US" id="dei_EntityFileNumber">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber" xlink:title="label: EntityFileNumber to dei_EntityFileNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1" xml:lang="en-US" id="dei_EntityAddressAddressLine1">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2" xml:lang="en-US" id="dei_EntityAddressAddressLine2">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3" xml:lang="en-US" id="dei_EntityAddressAddressLine3">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown" xml:lang="en-US" id="dei_EntityAddressCityOrTown">Entity Address, City or Town</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince" xml:lang="en-US" id="dei_EntityAddressStateOrProvince">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry" xml:lang="en-US" id="dei_EntityAddressCountry">Entity Address, Country</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCountry" xlink:to="dei_EntityAddressCountry" xlink:title="label: EntityAddressCountry to dei_EntityAddressCountry" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode" xml:lang="en-US" id="dei_EntityAddressPostalZipCode">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode" xml:lang="en-US" id="dei_CityAreaCode">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode" xlink:title="label: CityAreaCode to dei_CityAreaCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber" xml:lang="en-US" id="dei_LocalPhoneNumber">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle" xml:lang="en-US" id="dei_Security12bTitle">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle" xlink:title="label: Security12bTitle to dei_Security12bTitle" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag" xml:lang="en-US" id="dei_NoTradingSymbolFlag">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
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<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Sep. 30, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Sep. 30,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-41410<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CITIZENS FINANCIAL SERVICES INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000739421<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">23-2265045<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">15 S MAIN ST<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">MANSFIELD<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">16933<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">570<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">662-0444<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, Par Value $1.00 Per Share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CZFS<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
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end
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<SEQUENCE>15
<FILENAME>thirdqtrearnings2025_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
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  xmlns:dei="http://xbrl.sec.gov/dei/2025"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
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    <link:schemaRef xlink:href="czfs-20250930.xsd" xlink:type="simple"/>
    <context id="c20250930to20250930">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000739421</identifier>
        </entity>
        <period>
            <startDate>2025-09-30</startDate>
            <endDate>2025-09-30</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="c20250930to20250930"
      id="Fact_2e2fa02693014de299e539cef2e36254">false</dei:AmendmentFlag>
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      contextRef="c20250930to20250930"
      id="Fact_77ab7d9dea5044b2aae5cfd3c15819d3">8-K</dei:DocumentType>
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      id="Fact_c4699ab6510047c3b86e90fad70acb4b">2025-09-30</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="c20250930to20250930"
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    <dei:EntityIncorporationStateCountryCode
      contextRef="c20250930to20250930"
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    <dei:EntityFileNumber
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    <dei:EntityTaxIdentificationNumber
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    <dei:EntityAddressAddressLine1
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    <dei:EntityAddressCityOrTown
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    <dei:EntityAddressStateOrProvince
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</xbrl>
</XML>
</TEXT>
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</SEC-DOCUMENT>
