Citizens Community Bancorp Inc
ccf.usWhat Do They Do?
Provides banking services and loans to businesses, agricultural operators and consumers in Wisconsin and Minnesota.
10-K for FY2025, filed Mar 5, 2026The Bank is a federally chartered National Bank serving customers in Wisconsin and Minnesota through 21 full-service branch locations. Its…View ↗
We offer a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate…View ↗
Deposits. We offer a broad range of deposit products through our branches, including demand deposits, various savings and money-market…View ↗
How Do They Make Money?
Earns interest on loans and other interest-bearing assets according to their agreements. It also collects monthly and transaction-based deposit fees, usually immediately or the following month, and earns interchange fees when debit-card transactions are processed.
10-K for FY2025, filed Mar 5, 2026Revenue Recognition - The Company’s primary source of revenue is interest income from interest earning assets, which is recognized on the…View ↗
Service charges on deposit accounts - Service charges on accounts consist of monthly service fees, transaction-based fees, overdraft fees…View ↗
Interchange income - The Company earns interchange fees when cardholder debit card transactions are processed through card association…View ↗
$87.6M
-
10-K for FY2025, filed Mar 5, 2026
$87.6M ↗
Who Are Their Customers?
The bank serves businesses, agricultural operators and consumers through its branches; its lending focuses on individual consumers and small commercial borrowers, while deposit accounts are offered through its branches.
10-K for FY2025, filed Mar 5, 2026The Bank is a federally chartered National Bank serving customers in Wisconsin and Minnesota through 21 full-service branch locations. Its…View ↗
We offer a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate…View ↗
Deposits. We offer a broad range of deposit products through our branches, including demand deposits, various savings and money-market…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 16 cents of every revenue dollar as net income in FY2025 and turned 12 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 37% in 4 years, from $64M in FY2021 to $87.6M in FY2025, about 8% a year.
Loading...
