{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-22-000087","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2022-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:04:00.381027+00:00","generated_at":"2026-06-26T04:59:12.947205+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"CZWI Q1 EPS $0.45, net income $4.7M down QoQ and YoY; issues $35M sub debt","bullets":["Diluted EPS $0.45 vs $0.58 Q4'21 and $0.50 Q1'21; net income $4.7M vs $6.1M and $5.5M.","Net interest margin 3.25% vs 3.50% Q4'21; NIM ex-PPP and purchase accretion 3.11%.","Issued $35M sub debt (non-callable 5yr, SOFR+3.29%); injected $15M into bank; refinanced $28.9M senior debt.","Loans decreased $20.8M to $1.29B due to payoffs; pipeline accelerating for growth.","No loan loss provision; allowance 1.30% of loans; nonperforming assets $13.6M (0.77% of assets)."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-22-000087","json":"https://secwatch.observer/filing/0001367859-22-000087.json","markdown":"https://secwatch.observer/filing/0001367859-22-000087.md","text":"https://secwatch.observer/filing/0001367859-22-000087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000087/0001367859-22-000087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000087/czwi-20220425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:59:12.947205+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}