CITIZENS FINANCIAL CORP. Financial Reports

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:· CITIZENS FINANCIAL CORP.

Featured
::	2025 National Summary of Deposits
::	Bank Mergers & Acquisitions
::	Bank Filing Updates
::	Holding Company Filing Updates

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SEC Submissions
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Specialized Banks
::	SCorp Banks
::	Industrial Loan Companies
::	Foreign Banking Organizations
::	Non-Depository Trust Banks
::	Bankers Banks
::	Credit Card Banks
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Bank Map


General Interest
::	COVID-19 PPP National Summary
::	New Formations
::	De Novo Banks
::	Holding Company Filing Updates
::	Bank Filing Updates
::	Institution Failures
::	America's Oldest Banks
::	National Summary of Deposits
::	External Auditors

Mergers & Acquisitions
::	Holding Company Mergers & Acquisitions
::	Bank Mergers & Acquisitions
::	Credit Union Mergers & Acquisitions

Off Balance Sheet
::	Holding Company Credit Default Swaps
::	Bank Credit Default Swaps
::	Derivatives
::	Credit Union Derivatives

CITIZENS FINANCIAL CORP.

Institution Profile

Year Opened :

1987

Institution Type :

Holding Company

Reserve District :

Richmond

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

Related Bank / Thrift	Assets	Asset Concentration
Citizens Bank of West Virginia, Inc.	687,048	Consumer Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	69,184	Total Operating Income	1,113
Total Liabilities	12,800	Total Operating Expenses	462
Total Equity Capital	56,384	Equity in Undistributed Income	4,235
		Net income (loss)	5,002

Miscellaneous
Cash Dividends Declared by Bank Holding Company	897
Total Consolidated Assets of Bank Holding Company	682,467

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury