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Citizens Financial Services Inc
CZFS · PA · Mid-size bank ($1B to $50B)
Total assets of FDIC-insured bank subsidiaries: $3.1B at the end of 2025
Filings on the SEC website · This bank on Bankgraph
In short. In its 2025 annual report, Citizens Financial Services Inc does not mention AI.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
No
0 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
None
What it says
Nothing
Kinds of AI named
None named
How AI is controlled
Not described
AI in its annual reports over time
- What this shows
- How many passages about AI each annual report contains, 2022 to 2025, by what they say.
- What it means
- 0 passages in 2022, 0 passages in 2025.
- How to read it
- Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Show as a table
| Report year | Using or planning AI | Explains how AI is controlled | Sees AI as a risk | Other mentions |
|---|---|---|---|---|
| 2022 | ||||
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Compared with banks of its size
- What this shows
- This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
- What it means
- This bank does not give detail about AI.
- How to read it
- Yes or no for this bank; the share of banks of the same size for comparison.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
| In the 2025 report | This bank | Banks of its size |
|---|---|---|
| Using AI now | No | 26 of 221 (12%) |
| Explains how AI is controlled | No | 55 of 221 (25%) |
| Sees AI as a risk | No | 184 of 221 (83%) |
| Mentions generative AI | No | 112 of 221 (51%) |
| Mentions AI agents | No | 18 of 221 (8%) |
What changed from 2024
0 passages new in the 2025 report, 0 passages from the 2024 report no longer there.
Every passage about AI
- What this shows
- All 1 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
- What it means
- 0 passages say the bank is using AI now.
- How to read it
- Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
- Where it comes from
- Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this