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.

Revenue model

Net interest income from loans and investment securities, funded by customer deposits and wholesale borrowings. Secondary revenue from deposit service charges, interchange fees, loan servicing, gain on loan sales, and BOLI benefits.

Products and services

Commercial real estate loans, agricultural real estate loans, multi-family real estate loans, construction and land development loans, commercial and industrial loans, agricultural operating loans, residential mortgage loans, consumer installment loans, deposit accounts, internet and mobile banking services, mortgage servicing rights.

Customers and end markets

Commercial and agricultural borrowers, residential mortgage borrowers, consumer deposit and lending customers. End markets include commercial real estate, agriculture, multi-family housing, and consumer finance.

Value-chain role

Community bank acting as direct lender and deposit gatherer. Sells some loans and retains servicing rights. Holds available-for-sale securities ($134.1 million at December 31, 2025) and held-to-maturity securities ($80.2 million at December 31, 2025) as part of asset-liability management.

Geographic exposure

Filing does not specify state or regional breakdown. Commercial and agricultural lending activities indicated as primary geographic focus based on loan portfolio composition.

Source: SEC 10-K, filed 2026-03-05

Industry: Savings Institution, Federally Chartered Peers: Avidbank Holdings Inc Eagle Financial Services Inc First Community Corp (South Carolina) First Financial Northwest, Inc. First Keystone Corp Landmark Bancorp Inc OLD POINT FINANCIAL CORP Ohio Valley Banc Corp PNC Financial Services Group Inc