Citizens Financial Services Inc. Common Stock (CZFS) — Net Asset Quality Index
Citizens Financial Services Inc. Common Stock (CZFS) has a Net Asset Quality Index of 11.4% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $3.03 Billion minus total liabilities of $2.68 Billion yields net assets of $343.58 Million. A higher index indicates a stronger, lower-leverage balance sheet. Check Citizens Financial Services Inc. Common asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Citizens Financial Services Inc. Common Stock Net Asset Quality Index Over Time (1993–2025)
This chart shows how Citizens Financial Services Inc. Common Stock's Net Asset Quality Index has evolved across 33 annual periods from 1993 to 2025. As of March 2026, the index stands at 11.4%, representing net assets of $343.58 Million against total assets of $3.03 Billion USD. See Citizens Financial Services Inc. Common (CZFS) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Citizens Financial Services Inc. Common Stock (1993–2025)
The table below presents the year-by-year Net Asset Quality Index for Citizens Financial Services Inc. Common Stock from 1993 to 2025, covering 33 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see Citizens Financial Services Inc. Common (CZFS) market capitalisation.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 11.0% | $338.05 Million | $3.06 Billion | $2.73 Billion | ▲ +1.1 pp |
| 2024 | 9.9% | $299.73 Million | $3.03 Billion | $2.73 Billion | ▲ +0.5 pp |
| 2023 | 9.4% | $279.67 Million | $2.98 Billion | $2.70 Billion | ▲ +0.8 pp |
| 2022 | 8.6% | $200.15 Million | $2.33 Billion | $2.13 Billion | ▼ -1.3 pp |
| 2021 | 9.9% | $212.49 Million | $2.14 Billion | $1.93 Billion | ▼ -0.4 pp |
| 2020 | 10.3% | $194.26 Million | $1.89 Billion | $1.70 Billion | ▼ -0.3 pp |
| 2019 | 10.6% | $154.77 Million | $1.47 Billion | $1.31 Billion | ▲ +0.8 pp |
| 2018 | 9.7% | $139.23 Million | $1.43 Billion | $1.29 Billion | ▲ +0.3 pp |
| 2017 | 9.5% | $129.01 Million | $1.36 Billion | $1.23 Billion | ▼ -0.6 pp |
| 2016 | 10.1% | $123.27 Million | $1.22 Billion | $1.10 Billion | ▼ -0.2 pp |
| 2015 | 10.3% | $119.76 Million | $1.16 Billion | $1.04 Billion | ▼ -0.6 pp |
| 2014 | 10.9% | $100.53 Million | $925.05 Million | $824.52 Million | ▲ +0.8 pp |
| 2013 | 10.1% | $92.06 Million | $914.93 Million | $822.88 Million | ▼ -0.1 pp |
| 2012 | 10.1% | $89.47 Million | $882.43 Million | $792.95 Million | ▲ +0.9 pp |
| 2011 | 9.3% | $81.47 Million | $878.57 Million | $797.10 Million | ▲ +0.8 pp |
| 2010 | 8.5% | $68.69 Million | $812.53 Million | $743.84 Million | ▲ +0.0 pp |
| 2009 | 8.4% | $61.53 Million | $729.48 Million | $667.95 Million | ▲ +0.5 pp |
| 2008 | 7.9% | $52.77 Million | $668.61 Million | $615.84 Million | ▼ -0.3 pp |
| 2007 | 8.2% | $48.53 Million | $591.03 Million | $542.50 Million | ▲ +0.6 pp |
| 2006 | 7.6% | $43.50 Million | $572.17 Million | $528.67 Million | ▼ -0.3 pp |
| 2005 | 7.9% | $41.56 Million | $529.24 Million | $487.68 Million | ▼ -0.3 pp |
| 2004 | 8.2% | $40.79 Million | $499.35 Million | $458.56 Million | ▼ -0.1 pp |
| 2003 | 8.3% | $38.53 Million | $463.88 Million | $425.35 Million | ▼ -0.6 pp |
| 2002 | 8.9% | $38.41 Million | $432.66 Million | $394.25 Million | ▲ +0.9 pp |
| 2001 | 7.9% | $33.39 Million | $421.11 Million | $387.72 Million | ▲ +0.5 pp |
| 2000 | 7.4% | $30.55 Million | $413.33 Million | $382.78 Million | ▼ -0.6 pp |
| 1999 | 7.9% | $27.08 Million | $340.78 Million | $313.70 Million | ▼ -1.2 pp |
| 1998 | 9.1% | $28.60 Million | $313.56 Million | $284.97 Million | ▲ +0.3 pp |
| 1997 | 8.8% | $25.92 Million | $294.81 Million | $268.89 Million | ▲ +0.7 pp |
| 1996 | 8.1% | $22.90 Million | $282.81 Million | $259.91 Million | ▼ -0.5 pp |
| 1995 | 8.6% | $21.30 Million | $247.09 Million | $225.80 Million | ▲ +0.5 pp |
| 1994 | 8.1% | $18.90 Million | $232.54 Million | $213.63 Million | ▼ -0.4 pp |
| 1993 | 8.5% | $18.34 Million | $216.24 Million | $197.90 Million | — |