Citizens Financial Services Inc. Common Stock Net Asset Quality Index
Citizens Financial Services Inc. Common Stock net asset quality index. Citizens Financial Services Inc. Common Stock (CZFS) has a Net Asset Quality Index of 11.1% as of June 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $3.19 Billion minus total liabilities of $2.84 Billion yields net assets of $352.83 Million. A higher index indicates a stronger, lower-leverage balance sheet. See CZFS net asset value for net asset value and shareholders' equity analysis.
Quality Index
Net Assets
Total Assets
Total Liabilities
Net Asset Quality Index of Citizens Financial Services Inc. Common Stock (1993–2025)
Net asset quality index of Citizens Financial Services Inc. Common Stock from 1993 to 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 June 2026, the index stands at 11.1%, representing net assets of $352.83 Million against total assets of $3.19 Billion USD. Check CZFS strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Citizens Financial Services Inc. Common Stock Net Asset Quality Index by Year (1993–2025)
Citizens Financial Services Inc. Common Stock net asset quality index by year from 1993 to 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 live market cap and overall valuation, see CZFS company net worth.
| 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 | — |