Citizens Financial Services, Inc. is a bank holding company for First Citizens Community Bank (the Bank). The Company is engaged in the ownership and management of the Bank and the Bank's insurance agency subsidiary, First Citizens Insurance Agency, Inc. It operates through community banking segment. The Bank is engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans, and a range of other specialized financial services. The Trust and Investment division of the Bank offers client investment, mineral management, retirement services, professional trust administration, investment management services, estate planning and administration, custody of securities and individual retirement accounts.