Who are Citizens Financial Services, Inc.'s major customers?

Citizens Financial Services, Inc. (CZFS) key customers include: APARTMENT-RENTALS, HOTELS, RESTAURANTS, STONE-QUARRIES, TRUCKING-COMPANIES and 11 more. View the full customer network at chainsifter.com/chain/CZFS.

What sector is Citizens Financial Services, Inc. in?

Citizens Financial Services, Inc. (CZFS) operates in the general sector. ChainSifter tracks its verified supply chain relationships including suppliers, customers, and strategic partners.

Citizens Financial Services, Inc. Supply Chain Data (CZFS): 17 Verified Relationships

0Suppliers

16Customers

1Debt Items

20Related Chains

Source-Backed Evidence Depth

Citizens Financial Services, Inc. (CZFS) is shown with relationship data already present in ChainSifter's database. Counts below come from stored supply-chain records and filing/source URLs where available; missing source URLs are not filled in or estimated.

18Total relationships

3Distinct source URLs

7High confidence

0.757Average confidence

2026-10-28Latest database update

ChainSifter does not infer unreported suppliers, customers, ownership, acquisitions, debt exposure, revenue dependency, or future supply-chain events on this public page.

Citizens Financial Services, Inc. Suppliers

No suppliers on recordCitizens Financial Services, Inc. does not appear to disclose named supplier relationships in its verified regulatory filings, or upstream suppliers have not yet been identified. Our system processes new filings continuously.

Citizens Financial Services, Inc. Customers

Ticker	Name	Confidence	Evidence
APARTMENT-RENTALS	APARTMENT-RENTALS	92%	We also have originated loans to businesses and individuals for restaurants, hotels and apartment rentals that have been developed and expanded to meet the housing and living needs of the gas industr…
HOTELS	HOTELS	92%	We also have originated loans to businesses and individuals for restaurants, hotels and apartment rentals that have been developed and expanded to meet the housing and living needs of the gas industr…
RESTAURANTS	RESTAURANTS	92%	We also have originated loans to businesses and individuals for restaurants, hotels and apartment rentals that have been developed and expanded to meet the housing and living needs of the gas industr…
STONE-QUARRIES	STONE-QUARRIES	92%	Loans made by the Company are to service industry customers which include trucking companies, stone quarries and other support businesses
TRUCKING-COMPANIES	TRUCKING-COMPANIES	92%	Loans made by the Company are to service industry customers which include trucking companies, stone quarries and other support businesses
CMTV	Community Bancorp	72%	Reciprocal relationship from CMTV graph: Reciprocal relationship from CZFS graph: Reciprocal relationship from CMTV graph: Reciprocal relationship from CZFS graph: OAE. Our 2012 performance ranked us…
CMTV	Community Bancorp	72%	OAE. Our 2012 performance ranked us as number ONE in the nation. We also continue to be ranked in the top 100 Ag lenders nationwide and PA. In 2022 FCCB was included in the ABA Nasdaq Community Bank …
XYF	X Financial	72%	Reciprocal relationship from XYF graph: Reciprocal relationship from CZFS graph: Reciprocal relationship from XYF graph: Reciprocal relationship from CZFS graph: . IRLCs are recognized at fair value …
XYF	X Financial	72%	. IRLCs are recognized at fair value on the consolidated statements of financial condition as mortgage banking derivatives or as other liabilities with changes in their fair values recorded as a gain…
CZFS-ACQUISITION-COMPANY-LLC	CZFS-ACQUISITION-COMPANY-LLC	62%	AL SERVICES, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business and Organization Citizens Financial Services, Inc. (individually and, collectively …
FIRST-CITIZENS-COMMUNITY-BANK-FIRST-CITIZENS-INS	FIRST-CITIZENS-COMMUNITY-BANK-FIRST-CITIZENS-INS	62%	uired without credit deterioration and deemed “seasoned.” All non-purchased credit deteriorated loans (excluding credit cards) that are acquired in a business combination are deemed seasoned. Other n…
FIRST-CITIZENS-INSURANCE-AGENCY-INC	FIRST-CITIZENS-INSURANCE-AGENCY-INC	62%	y completed its acquisition of MidCoast. On June 16, 2023, the Company completed the HVBC acquisition. In December 2023, the Bank opened a full-service branch in Williamsport, Pennsylvania. In Octobe…
FREDERICKSBURG-MIDCOAST-COMMUNITY-BANCORP-INC-HV	FREDERICKSBURG-MIDCOAST-COMMUNITY-BANCORP-INC-HV	62%	OAE. Our 2012 performance ranked us as number ONE in the nation. We also continue to be ranked in the top 100 Ag lenders nationwide and PA. In 2022 FCCB was included in the ABA Nasdaq Community Bank …
MIDCOAST-COMMUNITY-BANCORP-INC	MIDCOAST-COMMUNITY-BANCORP-INC	62%	AL SERVICES, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business and Organization Citizens Financial Services, Inc. (individually and, collectively …
PA-LLC	PA-LLC	62%	y completed its acquisition of MidCoast. On June 16, 2023, the Company completed the HVBC acquisition. In December 2023, the Bank opened a full-service branch in Williamsport, Pennsylvania. In Octobe…
PLANT-A-INSIGHTS-GROUP	PLANT-A-INSIGHTS-GROUP	62%	OAE. Our 2012 performance ranked us as number ONE in the nation. We also continue to be ranked in the top 100 Ag lenders nationwide and PA. In 2022 FCCB was included in the ABA Nasdaq Community Bank …

Citizens Financial Services, Inc. Debt Obligations

Instrument	Description	Confidence	Evidence
CZFS-DEBT	Debt stack $202.9M	90%	Market cache reports total debt of $202.9M.

Citizens Financial Services, Inc. Acquisitions

No acquisitions on recordNo completed or pending acquisitions found in our database for Citizens Financial Services, Inc..

Citizens Financial Services, Inc. Ownership

Holder	Name	Confidence	Evidence
CZFS-OWNER-VANGUARD-CAPITAL-MANAGEMENT-LLC	VANGUARD CAPITAL MANAGEMENT LLC	90%	13F overlay lists VANGUARD CAPITAL MANAGEMENT LLC as top holder; 87 tracked holders.

Citizens Financial Services, Inc. Extended Supply Chain Network

Ticker	Name	Chain Index	Hops	Relationship Types
CZWI	Citizens Community Bancorp, Inc.	100.00	2
CRMZ	CreditRiskMonitor.com, Inc.	100.00	2
BGC	BGC Group, Inc.	100.00	2
CIB	Grupo Cibest S.A.	100.00	2
ETOR	eToro Group Ltd.	100.00	2
RYAN	Ryan Specialty Holdings, Inc.	100.00	2
BLSH	Bullish	100.00	2
FENG	Phoenix New Media Limited	100.00	2
CSTE	Caesarstone Ltd.	100.00	2
BTDR	Bitdeer Technologies Group	100.00	2
BLNE	Beeline Holdings, Inc.	100.00	2
GEMI	Gemini Space Station, Inc.	100.00	2
FCCN	Spectral Capital Corporation	100.00	2
AHG	Akso Health Group	100.00	2
CMTV	Community Bancorp	100.00	1	['customer']
BRBI	BRBI BR Partners S.A.	100.00	2
CANG	Cango Inc.	100.00	2
ENLT	Enlight Renewable Energy Ltd	100.00	2
AMBR	Amber International Holding Limited	100.00	2
XRX	Xerox Holdings Corporation	100.00	2

Citizens Financial Services, Inc. Supply Chain