CZWI on Nasdaq
Citizens Community Bancorp Inc.
American savings institution company based in Eau Claire.
Price unavailable
Last updated Oct 18, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $77.5M | $79.7M |
| Interest on cash and investments | $10.1M | $9.9M |
| Total interest and dividend income | $87.6M | $89.6M |
| Interest on deposits | $33.1M | $38.0M |
| Interest on FHLB borrowed funds | $13.0K | $1.3M |
| Interest on other borrowed funds | $3.3M | $3.9M |
| Total interest expense | $36.4M | $43.1M |
| Net interest income before provision for credit losses | $51.2M | $46.5M |
| Provision (provision reversal) for credit losses | $1.9M | -$3.2M |
| Net interest income after provision for credit losses | $49.2M | $49.6M |
| Service charges on deposit accounts | $1.8M | $1.9M |
| Interchange income | $2.2M | $2.2M |
| Loan servicing income | $2.4M | $2.3M |
| Gain on sale of loans | $2.9M | $2.2M |
| Loan fees and service charges | $676.0K | $996.0K |
| Net gains (losses) on equity securities | $234.0K | -$856.0K |
| Bank Owned Life Insurance (BOLI) death benefit | $0 | $184.0K |
| Other | $993.0K | $1.1M |
| Total non-interest income | $11.1M | $10.1M |
| Compensation and related benefits | $23.9M | $22.7M |
| Occupancy | $5.0M | $5.2M |
| Data processing | $6.8M | $6.5M |
| Amortization of intangible assets | $584.0K | $715.0K |
| Mortgage servicing rights expense, net | $621.0K | $534.0K |
| Advertising, marketing and public relations | $906.0K | $793.0K |
| FDIC premium assessment | $773.0K | $798.0K |
| Professional services | $1.8M | $1.8M |
| Losses on repossessed assets, net | $33.0K | $294.0K |
| Other | $2.6M | $3.0M |
| Total non-interest expense | $42.9M | $42.3M |
| Income before provision for income taxes | $17.4M | $17.4M |
| Provision for income taxes | $3.0M | $3.7M |
| Net income attributable to common stockholders | $14.4M | $13.8M |
| Basic earnings (USD per share) | $1.46 | $1.34 |
| Diluted earnings (USD per share) | $1.46 | $1.34 |
| Cash dividends paid (USD per share) | $0.36 | $0.32 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $118.9M | $50.2M | |
| "Available-for-sale (""AFS"") securities, at fair value (amortized cost of $151,618, net of allowance for credit losses of $0 at December 31, 2025 and amortized cost of $165,604, net of allowance for credit losses of $0 at December 31, 2024)" | $134.1M | $142.9M | |
| "Held-to-maturity (""HTM"") securities, at amortized cost (fair value of net of $64,117, net of allowance for credit losses of $0 at December 31, 2025 and fair value of $65,622, net of allowance for credit losses of $0 at December 31, 2024)" | $80.2M | $85.5M | |
| Equity investments | $5.8M | $4.7M | |
| Other investments | $12.5M | $12.5M | |
| Loans receivable | $1.3B | $1.4B | |
| Allowance for credit losses | -$22.4M | -$20.5M | |
| Loans receivable, net | $1.3B | $1.3B | |
| Loans held for sale | $5.0M | $1.3M | |
| Mortgage servicing rights, net | $3.5M | $3.7M | |
| Office properties and equipment, net | $16.4M | $17.1M | |
| Accrued interest receivable | $6.1M | $5.7M | |
| Intangible assets | $395.0K | $979.0K | |
| Goodwill | $31.5M | $31.5M | |
| Foreclosed and repossessed assets, net | $857.0K | $915.0K | |
| "Bank owned life insurance (""BOLI"")" | $26.9M | $26.1M | |
| Other assets | $21.7M | $17.1M | |
| TOTAL ASSETS | $1.8B | $1.7B | |
| Deposits | $1.5B | $1.5B | |
| "Federal Home Loan Bank (""FHLB"") advances" | $0 | $5.0M | |
| Other borrowings | $51.8M | $61.6M | |
| Other liabilities | $17.9M | $14.7M | |
| Total liabilities | $1.6B | $1.6B | |
| Common stock $0.01 par value, authorized 30,000,000; 9,617,245 and 9,981,996 shares issued and outstanding, respectively | $96.0K | $100.0K | |
| Additional paid-in capital | $110.3M | $114.6M | |
| Retained earnings | $90.0M | $80.8M | |
| Accumulated other comprehensive loss | -$12.5M | -$16.4M | |
| Total stockholders equity | $187.9M | $179.1M | $173.3M |
| TOTAL LIABILITIES AND STOCKHOLDERS EQUITY | $1.8B | $1.7B | |
| Total available-for-sale securities | $151.6M | $165.6M | |
| Debt securities, available-for-sale, allowance for credit loss | $0 | $0 | |
| Estimated Fair Value | $64.1M | $65.6M | |
| Debt securities, held-to-maturity, allowance for credit loss | $0 | $0 | |
| Common stock, par value (USD per share) | $0.01 | $0.01 | |
| Common stock authorized (shares) | 30.0M shares | 30.0M shares | |
| Common stock issued (shares) | 9.6M shares | 10.0M shares | |
| Common stock outstanding (shares) | 9.6M shares | 10.0M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $118.9M | $50.2M | |
| "Available-for-sale (""AFS"") securities, at fair value (amortized cost of $151,618, net of allowance for credit losses of $0 at December 31, 2025 and amortized cost of $165,604, net of allowance for credit losses of $0 at December 31, 2024)" | $134.1M | $142.9M | |
| "Held-to-maturity (""HTM"") securities, at amortized cost (fair value of net of $64,117, net of allowance for credit losses of $0 at December 31, 2025 and fair value of $65,622, net of allowance for credit losses of $0 at December 31, 2024)" | $80.2M | $85.5M | |
| Equity investments | $5.8M | $4.7M | |
| Other investments | $12.5M | $12.5M | |
| Loans receivable | $1.3B | $1.4B | |
| Allowance for credit losses | -$22.4M | -$20.5M | |
| Loans receivable, net | $1.3B | $1.3B | |
| Loans held for sale | $5.0M | $1.3M | |
| Mortgage servicing rights, net | $3.5M | $3.7M | |
| Office properties and equipment, net | $16.4M | $17.1M | |
| Accrued interest receivable | $6.1M | $5.7M | |
| Intangible assets | $395.0K | $979.0K | |
| Goodwill | $31.5M | $31.5M | |
| Foreclosed and repossessed assets, net | $857.0K | $915.0K | |
| "Bank owned life insurance (""BOLI"")" | $26.9M | $26.1M | |
| Other assets | $21.7M | $17.1M | |
| TOTAL ASSETS | $1.8B | $1.7B | |
| Deposits | $1.5B | $1.5B | |
| "Federal Home Loan Bank (""FHLB"") advances" | $0 | $5.0M | |
| Other borrowings | $51.8M | $61.6M | |
| Other liabilities | $17.9M | $14.7M | |
| Total liabilities | $1.6B | $1.6B | |
| Common stock $0.01 par value, authorized 30,000,000; 9,617,245 and 9,981,996 shares issued and outstanding, respectively | $96.0K | $100.0K | |
| Additional paid-in capital | $110.3M | $114.6M | |
| Retained earnings | $90.0M | $80.8M | |
| Accumulated other comprehensive loss | -$12.5M | -$16.4M | |
| Total stockholders equity | $187.9M | $179.1M | $173.3M |
| TOTAL LIABILITIES AND STOCKHOLDERS EQUITY | $1.8B | $1.7B | |
| Total available-for-sale securities | $151.6M | $165.6M | |
| Debt securities, available-for-sale, allowance for credit loss | $0 | $0 | |
| Estimated Fair Value | $64.1M | $65.6M | |
| Debt securities, held-to-maturity, allowance for credit loss | $0 | $0 | |
| Common stock, par value (USD per share) | $0.01 | $0.01 | |
| Common stock authorized (shares) | 30.0M shares | 30.0M shares | |
| Common stock issued (shares) | 9.6M shares | 10.0M shares | |
| Common stock outstanding (shares) | 9.6M shares | 10.0M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income attributable to common stockholders | $14.4M | $13.8M |
| Net accretion on debt securities | -$64.0K | -$78.0K |
| Depreciation expense | $2.0M | $2.2M |
| Provision (provision reversal) for credit losses | $1.9M | -$3.2M |
| Net (gains) losses on equity securities | -$234.0K | $856.0K |
| Increase in mortgage servicing rights resulting from transfers of financial assets | -$452.0K | -$332.0K |
| Mortgage servicing rights amortization | $621.0K | $534.0K |
| Amortization of intangible assets | $584.0K | $715.0K |
| Stock based compensation expense | $146.0K | $631.0K |
| (Increase) decrease in deferred income taxes | -$1.1M | $380.0K |
| Increase in cash surrender value of life insurance | -$806.0K | -$954.0K |
| Net gains from disposals of foreclosed and repossessed assets | -$15.0K | -$19.0K |
| Provision for valuation allowance on foreclosed properties | $48.0K | $313.0K |
| Gain on sale of loans held for sale, net | -$2.9M | -$2.2M |
| Proceeds from sale of loans held for sale | $83.8M | $60.3M |
| Originations of loans held for sale | -$84.5M | -$53.7M |
| Amortization of debt issuance costs | $203.0K | $224.0K |
| Accrued interest receivable and other assets | -$5.3M | -$1.8M |
| Other liabilities | $3.2M | $2.7M |
| Total adjustments | -$2.7M | $6.6M |
| Net cash from operating activities | $11.7M | $20.4M |
| Proceeds from Bank Owned Life Insurance (BOLI) death benefit | $0 | $499.0K |
| Purchase of available-for-sale securities | -$9.9M | $0 |
| Proceeds from principal payments and maturities of available-for-sale securities | $14.6M | $14.8M |
| Proceeds from calls of available-for-sale securities | $9.4M | $0 |
| Proceeds from principal payments and maturities of held-to-maturity securities | $5.3M | $5.7M |
| Equity investment capital distribution | $197.0K | $276.0K |
| Purchase of equity investments | -$1.2M | -$450.0K |
| Net sales of other investments | $93.0K | $520.0K |
| Proceeds from sales of foreclosed and repossessed assets | $70.0K | $877.0K |
| Proceeds from insurance claim on foreclosed and repossessed assets | $0 | $27.0K |
| Net decrease in loans | $28.5M | $92.3M |
| Net capital expenditures | -$1.3M | -$889.0K |
| Proceeds from disposal of office properties and equipment | $0 | $13.0K |
| Net cash from investing activities | $45.7M | $113.7M |
| Change in short term in Federal Home Loan Bank advances, net | $0 | -$44.0M |
| Federal Home Loan Bank advance call payments | $0 | -$10.0M |
| Federal Home Loan Bank advance long-term maturities | -$5.0M | -$20.5M |
| Proceeds from other borrowings, net of origination costs | $5.0M | $0 |
| Other borrowings principal reductions | -$15.0M | -$6.1M |
| Net increase (decrease) in deposits | $36.0M | -$31.0M |
| Repurchase shares of common stock | -$6.1M | -$6.1M |
| Surrender of restricted shares of common stock | -$190.0K | -$119.0K |
| Common stock options exercised | $179.0K | $22.0K |
| Cash dividends paid | -$3.6M | -$3.3M |
| Net cash from financing activities | $11.3M | -$121.1M |
| Net increase (decrease) in cash and cash equivalents | $68.7M | $13.0M |
| Interest on deposits | $35.0M | $34.4M |
| Interest on borrowings | $3.6M | $5.1M |
| Income taxes | $2.1M | $2.3M |
| Transfers from loans receivable to other real estate owned (OREO) | $0 | $274.0K |
No quarter-by-quarter statement was filed.
Compare Citizens Community Bancorp Inc. with another company
Leadership
Who has led Citizens Community Bancorp Inc., and when. Pick a name to see everywhere that person has worked.
President
Chief financial officer
Chief operating officer
2010201520202025
- Chief executive officerStephen M. Bianchi Jun 28, 2016 to now11
- Chief executive officerEdward H. Schaefer Jan 12, 2010 to Aug 23, 201612
- Chief executive officerJames G. Cooley Sep 11, 2006 to Mar 23, 200913
- PresidentStephen M. Bianchi Jun 28, 2016 to now11
- PresidentEdward H. Schaefer Sep 10, 2010 to Aug 23, 201614
- PresidentTimothy J. Cruciani Dec 29, 2009 to Dec 29, 200915
- PresidentJames G. Cooley Sep 11, 2006 to Mar 23, 200913
- Chief financial officerJames S. Broucek Nov 2, 2017 to now16
- Chief financial officerMark C. Oldenberg Oct 28, 2011 to Jul 7, 201717
- Chief financial officerJohn D. Zettler Sep 11, 2006 to Feb 23, 201018
- Chief operating officerTimothy J. Cruciani Dec 14, 2011 to Dec 14, 201119
Board members and other officers (18)
- Executive Vice PresidentTimothy J. Cruciani Sep 11, 2006 to Mar 23, 200920
- Board memberMichael R. Conner Jan 29, 2024 to now21
- Board memberKathleen Skarvan Jan 23, 2023 to now22
- Board memberJames D. Moll Jan 2, 2018 to now23
- Board memberStephen M. Bianchi Feb 2, 2018 to now24
- Board memberKristina M. Bourget Apr 5, 2018 to Jan 29, 202425
- Board memberTimothy L. Olson Apr 5, 2018 to now26
- Board memberFrancis E. Felber Oct 3, 2017 to now27
- Board memberJames R. Lang Nov 30, 2012 to Jan 31, 202228
- Board memberMichael L. Swenson Jun 13, 2011 to Jan 29, 202429
- Board memberEdward H. Schaefer May 26, 2010 to May 26, 201030
- Board memberTimothy A. Nettesheim Jun 30, 2010 to Sep 18, 201731
- Board memberBrian R. Schilling Sep 11, 2006 to Feb 27, 201832
- Board memberDavid B. Westrate Sep 11, 2006 to Jan 19, 201833
- Board memberDonna E. Talmage Sep 11, 2006 to Nov 2, 200634
- Board memberJames G. Cooley Sep 11, 2006 to Mar 23, 200913
- Board memberRichard McHugh Nov 2, 2006 to Jan 23, 202335
- Board memberThomas C. Kempen Nov 2, 2006 to Dec 28, 200936
Timeline
Filings
255 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 53 major events, 133 insider forms, 37 large holders, 1 private raises, 11 other. The latest 20:
- Sep 2, 20268-K EDGAR
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 13, 2026SCHEDULE 13G/A EDGAR
- Aug 10, 20264 EDGAR
- Aug 10, 20264 EDGAR
- Aug 6, 202610-Q EDGAR
- Jul 31, 2026SCHEDULE 13G/A EDGAR
- Jul 31, 20268-K EDGAR
- Jul 29, 2026SCHEDULE 13D/A EDGAR
- Jul 27, 2026SCHEDULE 13G EDGAR
- Jul 27, 20268-K EDGAR
- Jul 8, 2026SCHEDULE 13D/A EDGAR
- Jun 29, 2026SCHEDULE 13D/A EDGAR
- Jun 17, 20268-K EDGAR
- Jun 10, 20264 EDGAR
- Jun 4, 2026SCHEDULE 13D EDGAR
- Jun 2, 20264 EDGAR
- Jun 2, 20264 EDGAR
- May 18, 20264 EDGAR
- May 18, 20264 EDGAR
The 255 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last three years, summarized. The full record is on SEC EDGAR.
Insider trades and holders
Large holders
Investors who own more than 5% must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively. 37 such filings since October 2021, the latest 10:
- Aug 14, 2026SCHEDULE 13G/A
- Aug 13, 2026SCHEDULE 13G/A
- Jul 31, 2026SCHEDULE 13G/A
- Jul 29, 2026SCHEDULE 13D/A
- Jul 27, 2026SCHEDULE 13G
- Jul 8, 2026SCHEDULE 13D/A
- Jun 29, 2026SCHEDULE 13D/A
- Jun 4, 2026SCHEDULE 13D
- May 18, 2026SCHEDULE 13G/A
- May 15, 2026SCHEDULE 13G
From Forms 4 and Schedules 13D and 13G filed with the SEC.
Money raised
Private offerings the company reported to the SEC on Form D.
- Mar 11, 2022Raised $35 million in a private offering of debt Form D: 23 investors so far Form D
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 94. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13
- 14SEC EDGAREdward H. Schaefer, President
- 15SEC EDGARTimothy J. Cruciani, President
- 16
- 17
- 18
- 19
- 20
- 21SEC EDGARMichael R. Conner, Board member
- 22SEC EDGARKathleen Skarvan, Board member
- 23SEC EDGARJames D. Moll, Board member
- 24SEC EDGARStephen M. Bianchi, Board member
- 25SEC EDGARKristina M. Bourget, Board member
- 26SEC EDGARTimothy L. Olson, Board member
- 27SEC EDGARFrancis E. Felber, Board member
- 28SEC EDGARJames R. Lang, Board member
- 29SEC EDGARMichael L. Swenson, Board member
- 30SEC EDGAREdward H. Schaefer, Board member
- 31SEC EDGARTimothy A. Nettesheim, Board member
- 32SEC EDGARBrian R. Schilling, Board member
- 33SEC EDGARDavid B. Westrate, Board member
- 34SEC EDGARDonna E. Talmage, Board member
- 35SEC EDGARRichard McHugh, Board member
- 36SEC EDGARThomas C. Kempen, Board member