{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-22-000108","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2022-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:55.528010+00:00","generated_at":"2026-06-24T09:06:25.599189+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"CZWI Q2 EPS $0.41, net interest margin 3.46%, loan growth 18% annualized","bullets":["Net income $4.4M ($0.41 diluted EPS) vs $4.7M ($0.45) in Q1 2022, $4.7M ($0.44) in Q2 2021.","Net interest margin expanded to 3.46% from 3.25% in Q1; net interest income up $1.1M to $14.3M.","Originated loans grew $68.4M (18% annualized) driven by commercial real estate, construction, and commercial operating loans.","Nonperforming assets decreased $1.0M to $12.6M; substandard loans down $4.1M to $20.7M.","Called $15M of 6.75% subordinated debt for Aug 10; St. James, MN branch with $18.7M deposits to close Sept."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-22-000108","json":"https://secwatch.observer/filing/0001367859-22-000108.json","markdown":"https://secwatch.observer/filing/0001367859-22-000108.md","text":"https://secwatch.observer/filing/0001367859-22-000108.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000108/0001367859-22-000108-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000108/czwi-20220725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T09:06:25.599189+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"}