Citizens Financial Services is the holding company for First Citizens Community Bank, a Pennsylvania-chartered community bank serving individuals, businesses, and governmental entities across north central and south-central Pennsylvania, southern New York, Delaware, and the Philadelphia suburbs. The bank operates from a main office in Mansfield, Pennsylvania, with 38 full-service branches and additional limited offices and mortgage centers across its footprint. Like most community banks, Citizens Financial Services earns money by collecting deposits and lending that money out at higher rates, generating a net interest margin on the spread. Its loan portfolio spans residential, commercial, and agricultural real estate loans, commercial and industrial loans, and consumer loans. Beyond lending, the bank offers trust and investment services — including investment management, estate planning, mineral rights management, and retirement services — as well as insurance through its subsidiary, First Citizens Insurance Agency. These fee-based businesses provide non-interest income that partially offsets interest rate sensitivity. Citizens Financial Services has grown primarily through acquisitions, adding Delaware markets via the 2020 acquisition of MidCoast Community Bancorp and southeastern Pennsylvania markets via the 2023 acquisition of HV Bancorp. This acquisition-led strategy has diversified the bank's exposure beyond its historically rural, north central Pennsylvania base into suburban and mid-sized city markets, with an economic base spanning manufacturing, agriculture, retail trade, and natural resource extraction.