Citizens Community Bancorp Inc

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Citizens Community Bancorp Inc (NASDAQ: CZWI) is a community banking company that originates and holds loans across commercial real estate, agricultural real estate, multi-family real estate, residential mortgage, commercial and industrial, and consumer installment categories. It earns money primarily through net interest income, the spread between interest collected on loans and interest paid on deposits and borrowed funds, supplemented by non-interest income from service charges on deposit accounts, interchange income, loan servicing income, gain on sale of loans, and Bank Owned Life Insurance proceeds. As of December 31, 2025, the company held total assets of $1.78 billion and a loan portfolio of $1.34 billion, with total borrowings including $35 million in subordinated notes due 2032 at 4.75% and $17 million in senior notes maturing in 2039 and 2040. The bank operates with FHLB advances as a secondary funding source, which stood at zero as of December 31, 2025, down from $5 million at December 31, 2024. Non-performing assets totaled $16.7 million as of December 31, 2025.