---
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"
generated_at: "2026-06-24T09:06:25.599189+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CZWI Q2 EPS $0.41, net interest margin 3.46%, loan growth 18% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-22-000108
- JSON: https://secwatch.observer/filing/0001367859-22-000108.json
- Plain text: https://secwatch.observer/filing/0001367859-22-000108.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.