{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-22-000143","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2022-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.338007+00:00","generated_at":"2026-06-23T01:35:51.278767+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"CZWI Q3 EPS $0.38 vs $0.41 prior qtr; net interest income up, loan growth 2.2%","bullets":["EPS of $0.38 diluted, net income $4.0M; down from $0.41/$4.4M prior quarter and $0.47/$5.0M year ago.","Net interest income $14.5M, up $0.2M linked Q; core NIM (ex-PPP/accretion) 3.33% vs 3.29%.","Loan growth 2.2% from prior quarter; allowance 1.25% of total loans.","Redeemed $15M sub debt (6.75% coupon) in Aug; announced closure of 3 branches in Q4 2022.","Book value $15.59, tangible book $12.32; repurchased ~53k shares in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-22-000143","json":"https://secwatch.observer/filing/0001367859-22-000143.json","markdown":"https://secwatch.observer/filing/0001367859-22-000143.md","text":"https://secwatch.observer/filing/0001367859-22-000143.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000143/0001367859-22-000143-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785922000143/czwi-20221024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:35:51.278767+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"}