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<url><loc>https://stock.noler.com/us/stock/czfs</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/13f-holdings</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/accretion-amortization-of-discounts-and-premiums-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/accrued-liabilities-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/accumulated-amortization-of-current-deferred-finance-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/accumulated-depreciation</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/accumulated-oci-available-for-sale-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/accumulated-oci-cumulative-changes-in-net-gain-loss-from-cash-flow-hedges-effect-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/accumulated-oci-defined-benefit-pension-and-other-postretirement-plans-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/acquisition-acquisition-related-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/activist-13d-13g</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/additional-paid-in-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/additional-paid-in-capital-common-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/advertising-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/affordable-housing-project-investment-write-down-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/affordable-housing-tax-credits-and-other-tax-benefits-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/amended-reports-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/amortization-method-qualified-affordable-housing-project-investments-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/amortization-of-deferred-loan-origination-fees-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/amount-available-for-dividend-distribution-without-prior-approval-from-regulatory-agency</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/analyst-ratings-buy</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/analyst-ratings-hold</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/analyst-ratings-no-rating</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/analyst-ratings-sell</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/antidilutive-securities-excluded-from-computation-of-earnings-per-share-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/aoci</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/auditor</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-accumulated-gross-unrealized-gain-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-accumulated-gross-unrealized-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-accrued-interest-after-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-accumulated-gross-unrealized-gain-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-accumulated-gross-unrealized-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-amortized-cost-basis</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-after-five-through-ten-years-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-after-five-through-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-after-one-through-five-years-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-after-one-through-five-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-after-ten-years-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-after-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-within-one-year-amortized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-maturities-within-one-year-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-realized-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-realized-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-realized-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-12-months-or-longer</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-12-months-or-longer-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-12-months-or-longer-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-less-than-12-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-less-than-12-months-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-less-than-12-months-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-debt-unrealized-loss-position-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-equity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-equity-securities-accumulated-gross-unrealized-gain-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-equity-securities-accumulated-gross-unrealized-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-equity-securities-amortized-cost-basis</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-gross-realized-gain-loss-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-gross-realized-gains</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-gross-realized-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-gross-unrealized-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-gross-unrealized-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-in-unrealized-loss-positions-qualitative-disclosure-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-in-unrealized-loss-positions-qualitative-disclosure-number-of-positions-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-pledged-as-collateral</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-12-months-or-longer-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-12-months-or-longer-aggregate-losses-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-12-months-or-longer-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-aggregate-losses-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-less-than-12-months-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-less-than-12-months-aggregate-losses-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-less-than-12-months-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-less-than-twelve-months-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/available-for-sale-unrealized-loss-position-twelve-months-or-longer-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/bank-owned-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/bank-owned-life-insurance-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/basic-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/borrowed-funds</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/business</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/buybacks-payments-for-repurchase-of-other-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/buybacks-share-repurchases</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/buybacks-treasury-shares-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/buybacks-treasury-stock-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/capital-expenditures</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cash-and-cash-equivalents-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cash-and-due-from-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cash-and-equivalents</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cash-and-restricted-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cash-and-restricted-cash-change-excluding-exchange-rate-effect</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cash-fdic-insured-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cash-flow-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/certain-loans-acquired-in-transfer-not-accounted-for-as-debt-securities-accretable-yield</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/certain-loans-acquired-in-transfer-not-accounted-for-as-debt-securities-accretable-yield-accretion</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/certain-loans-acquired-in-transfer-not-accounted-for-as-debt-securities-accretable-yield-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/certain-loans-acquired-in-transfer-not-accounted-for-as-debt-securities-carrying-amount-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/certain-loans-acquired-in-transfer-not-accounted-for-as-debt-securities-outstanding-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/certificates-of-deposit-at-carrying-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/clinical-trials</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/collateral-already-posted-aggregate-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/common-dividends-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/common-stock-dividends-per-share-cash-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/common-stock-par-or-stated-value-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/common-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/company-guidance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/company-profile</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/comprehensive-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/congressional-trades-stocks-including-adrs</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/contractual-obligation</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/convertible-securities-retired</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cover-page-shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/cumulative-effect-of-new-accounting-principle-in-period-of-adoption</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/current-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/current-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-and-capital-lease-obligations</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-and-equity-securities-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-and-equity-securities-realized-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-equity-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-interest-rate-at-period-end</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-interest-rate-effective-percentage</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-maturing-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-maturing-in-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-maturing-in-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-maturing-in-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-maturing-in-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-maturing-in-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/debt-repaid</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-income-tax-assets-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-income-tax-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-hedging-transactions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-liabilities-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-operating-loss-carryforwards</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-tax-credit-carryforwards-alternative-minimum-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-tax-deferred-expense-compensation-and-benefits-employee-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-tax-deferred-expense-compensation-and-benefits-pensions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-accrued-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-impairment-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-provision-for-loan-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-unrealized-losses-on-available-for-sale-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-unrealized-losses-on-trading-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-assets-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-deferred-expense-deferred-financing-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-goodwill-and-intangible-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-mortgage-servicing-rights</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-other-comprehensive-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-property-plant-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deferred-tax-liabilities-unrealized-gains-on-trading-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/defined-benefit-pension-plan-current-and-noncurrent-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/defined-contribution-plan-cost-recognized</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/defined-contribution-plan-employer-discretionary-contribution-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deposits-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deposits-money-market-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deposits-negotiable-order-of-withdrawal-now</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/deposits-savings-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/depreciation</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/depreciation-amortization-and-accretion-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/derivative-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/derivative-financial-instruments-liabilities-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/derivative-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/derivative-number-of-instruments-held</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/diluted-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividend</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividend-safety</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividends-common-stock-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividends-common-stock-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividends-paidinkind</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividends-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/dividends-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/ebitda</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/ebitda-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/effective-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/employee-count</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/eps</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/eps-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/equipment-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/equity-securities-fv-ni-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/equity-securities-fv-ni-realized-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/equity-securities-fv-ni-unrealized-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/executive-pay-pvp</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/executive-salary-officers</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/expense-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/fair-value-disclosure-offbalance-sheet-risks-amount-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/fair-value-of-assets-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/federal-deposit-insurance-corporation-premium-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/fees-and-commissions-fiduciary-and-trust-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-accrued-interest-after-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-allowance-for-credit-loss-loan-purchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-allowance-for-credit-loss-writeoff-after-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-allowance-for-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-allowance-for-credit-losses-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-allowance-for-credit-losses-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-allowance-for-credit-losses-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-allowance-for-credit-losses-write-offs</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-modifications-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-modifications-subsequent-default-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-modifications-subsequent-default-number-of-contracts-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-modifications-subsequent-default-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-modifications-subsequent-default-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-nonaccrual-no-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-recorded-investment-30-to-59-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-recorded-investment-60-to-89-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-recorded-investment-90-days-past-due-and-still-accruing</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-recorded-investment-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-recorded-investment-equal-to-greater-than-90-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-recorded-investment-nonaccrual-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-recorded-investment-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/financing-receivable-unamortized-loan-fee-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-accumulated-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-amortization-expense-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-amortization-expense-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-amortization-expense-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-amortization-expense-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-amortization-expense-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-amortization-expense-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-amortization-expense-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/finite-lived-intangible-assets-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/form-144-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/form-n-port-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/gain-loss-on-cash-flow-hedge-ineffectiveness-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/gain-loss-on-disposition-of-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/gain-loss-on-sale-of-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/gain-loss-on-sale-of-mortgage-loans</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/gain-loss-on-sale-of-securities-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/gains-losses-on-sales-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/goodwill-impairment-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/graph</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/gross-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-interest-income-cash-basis-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-related-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-with-no-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impaired-financing-receivable-with-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/impairment-of-intangible-assets-excluding-goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/included-in-etf</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/income-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/income-tax-at-federal-statutory-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/income-tax-expense-benefit-adjustment-of-deferred-tax-asset-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/income-tax-paid-federal-after-refund-received</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/income-taxes-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/income-taxes-paid-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/increase-decrease-in-accrued-interest-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/increase-decrease-in-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/increase-decrease-in-interest-payable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/increase-decrease-in-prepaid-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/incremental-common-shares-attributable-to-share-based-payment-arrangements</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/insider-transactions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/intangible-assets-net-excluding-goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-and-dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-and-fee-income-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-bearing-domestic-deposit-brokered</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-bearing-domestic-deposit-certificates-of-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-bearing-domestic-deposit-demand</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-expense-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-expense-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-expense-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-income-domestic-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-income-expense-after-provision-for-loan-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-income-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-income-securities-tax-exempt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-income-securities-taxable</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-paid-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-payable-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-rate-cash-flow-hedge-gain-loss-reclassified-to-earnings-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-rate-cash-flow-hedge-gain-loss-to-be-reclassified-during-next-12-months-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/interest-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/investing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/investment-banking-advisory-brokerage-and-underwriting-fees-and-commissions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/iran-activity-notices-irannotice</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/labor-and-related-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/late-filing-notices-nt-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/lease-and-rental-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/lessee-operating-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/liability-for-uncertain-tax-positions-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/line-of-credit</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-and-leases-receivable-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-and-leases-receivable-gross-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-and-leases-receivable-net-reported-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-held-for-sale-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-payable-to-bank</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-receivable-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-receivable-held-for-sale-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/loans-receivable-held-for-sale-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/market-cap</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/marketable-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/marketing-and-advertising-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/material-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/maturities-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/mortgage-loans-on-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/mortgage-loans-on-real-estate-carrying-amount-of-mortgages</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/net-cash-from-financing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/net-cash-from-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/net-cash-from-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/net-change-in-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/net-fee-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/net-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/net-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/news</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/noninterest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/noninterest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/noninterest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/noninterest-income-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/noninterest-income-other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/notes-receivable-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/notes-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/number-of-operating-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/number-of-reportable-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/occupancy-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-available-for-sale-adjustment-before-reclassification-adjustments-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-available-for-sale-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-available-for-sale-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-before-reclassifications-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-before-reclassifications-net-of-tax-attributable-to-parent</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-cash-flow-hedge-gain-loss-after-reclassification-and-tax-parent</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-cash-flow-hedge-gain-loss-after-reclassification-tax-parent</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-cash-flow-hedge-gain-loss-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-defined-benefit-plans-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-defined-benefit-plans-net-unamortized-gain-loss-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-derivatives-qualifying-as-hedges-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-net-of-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-pension-and-other-postretirement-benefit-plans-adjustment-before-reclassification-adjustments-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-pension-and-other-postretirement-benefit-plans-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-pension-and-other-postretirement-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-pension-and-other-postretirement-benefit-plans-before-reclassification-adjustments-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-pension-and-other-postretirement-benefit-plans-net-unamortized-gain-loss-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-reclassification-adjustment-on-derivatives-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-reclassification-of-defined-benefit-plan-net-transition-asset-obligation-recognized-in-net-periodic-benefit-cost-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-securities-sale-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-securities-sale-reclassification-before-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-securities-sale-reclassification-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-securities-sale-reclassification-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-securities-sale-reclassification-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-unrealized-gain-loss-on-derivatives-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-unrealized-gain-loss-on-derivatives-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-unrealized-gain-loss-on-derivatives-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-unrealized-holding-gain-loss-on-securities-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-unrealized-holding-gain-loss-on-securities-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/oci-unrealized-holding-gain-loss-on-securities-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/off-balance-sheet-credit-loss-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/operating-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/options-activity</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-commitment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-long-term-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-operating-activities-cash-flow-statement</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-real-estate-and-foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-receivables-from-broker-dealers-and-clearing-organizations</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/other-than-temporary-impairment-losses-investments-portion-recognized-in-earnings-net-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/outstanding-bonds</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/patents-active</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-for-origination-of-mortgage-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-for-proceeds-from-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-for-proceeds-from-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-federal-reserve-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-land</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-land-held-for-use</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-marketable-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/payments-to-acquire-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/pb-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/pe-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/pending-claims-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/pledged-financial-instruments-not-separately-reported-securities-pledged</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/pre-tax-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/preferred-shares-facts</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/preferred-stock-par-or-stated-value-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/preferred-stock-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/preferred-stock-shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/preferred-stock-shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/preferred-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/pretax-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/pretax-income-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/previous-etf-holding-it</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/price-fcf-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-issuance-or-sale-of-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-payments-for-in-interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-repayments-of-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-and-maturity-of-marketable-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-federal-reserve-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-machinery-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-mortgage-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-property-plant-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sale-of-treasury-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-sales-of-assets-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/proceeds-from-stock-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/professional-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/profit-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/property-plant-and-equipment-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/property-plant-and-equipment-transfers-and-changes</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/provision-for-loan-and-lease-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/provision-for-loan-lease-and-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/provision-for-loan-losses-expensed</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/ps-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/public-float</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/quick-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/reclassification-from-accumulated-oci-current-period-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/reclassification-from-aoci-current-period-net-of-tax-attributable-to-parent</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/restricted-cash-and-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/restricted-stock-award-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/restricted-stock-value-shares-issued-net-of-tax-withholdings</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/retained-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/return-on-tangible-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/revenue</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/revenue-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/revenue-other-financial-services</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/right-of-use-asset-obtained-in-exchange-for-operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/roa</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/roe</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/roi</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/scorecard</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/sec-comment-letters-upload</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/sec-enforcement-actions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/sec-filings-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/sec-filings-25-nse</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/sec-filings-8-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/sec-filings-px14a6g</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/sec-filings-s-4</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/secondary-offerings</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/securities-sold-under-agreements-to-repurchase-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/shareholders-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/short-sale-volume</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/short-term-debt-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/shortterm-debt-average-outstanding-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/shortterm-debt-maximum-monthend-outstanding-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/statutory-accounting-practices-statutory-amount-available-for-dividend-payments-without-regulatory-approval</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-award-number-of-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-award-number-of-shares-available-for-grant</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-award-rsu-vested-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-granted-value-share-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-new-shares-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-shares-dividend-reinvestment-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-shares-restricted-stock-award-forfeited</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-shares-restricted-stock-award-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-shares-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-value-dividend-reinvestment-plan</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-value-espp</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-value-restricted-stock-award-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-value-restricted-stock-award-net-of-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-value-stock-dividend</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-shares-issued-value-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-issued-value-of-shares-issued-for-acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/stock-splits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/subsidiaries</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-credit-carryforward-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-cuts-and-jobs-act-change-in-tax-rate-deferred-tax-asset-income-tax-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-cuts-and-jobs-act-incomplete-accounting-change-in-tax-rate-provisional-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-cuts-and-jobs-act-reclassification-from-aoci-to-retained-earnings-tax-effect</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-rate-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-rate-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-reconciliation-change-in-enacted-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-reconciliation-nondeductible-expense-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/tax-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposit-maturities-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposit-maturities-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposit-maturities-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposit-maturities-year-one</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposit-maturities-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposit-maturities-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/time-deposits-100000-or-more</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/total-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/total-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/total-liabilities-and-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/trading-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/transfer-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/translation-adjustment-for-net-investment-hedge-increase-decrease-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/treasury-stock-common-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/treasury-stock-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/treasury-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/ttl-fee-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/ttl-offering-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/ttl-offset-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/ttl-prevsly-pd-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/unamortized-loan-commitment-and-origination-fees-and-unamortized-discounts-or-premiums</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/unrealized-gain-loss-on-interest-rate-cash-flow-hedges-pretax-accumulated-oci-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/unrecognized-tax-benefits</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/variable-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/czfs/weighted-average-interest-rate-on-overdrawn-demand-deposit</loc></url>
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