---
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"
generated_at: "2026-06-23T01:35:51.278767+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CZWI Q3 EPS $0.38 vs $0.41 prior qtr; net interest income up, loan growth 2.2%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-22-000143
- JSON: https://secwatch.observer/filing/0001367859-22-000143.json
- Plain text: https://secwatch.observer/filing/0001367859-22-000143.txt

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