{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-23-000082","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2023-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.582223+00:00","generated_at":"2026-06-16T15:55:11.186039+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CZWI Q1 EPS $0.35 vs $0.45 prior quarter; net interest margin falls to 3.02%","bullets":["Net income $3.7M ($0.35 diluted) vs $4.7M ($0.45) in Q4 2022 and Q1 2022.","Net interest income $12.8M, down $1.7M from Q4 2022; net interest margin 3.02% vs 3.40%.","Provision for credit losses $0.05M vs $0.70M in Q4 2022; CECL adoption added $4.7M to ACL.","Nonperforming assets 0.63% of total assets ($11.7M), down from 0.70% ($12.7M) at Dec 31.","Uninsured/uncollateralized deposits 18% of total; on-balance liquidity covers 205% of those."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-23-000082","json":"https://secwatch.observer/filing/0001367859-23-000082.json","markdown":"https://secwatch.observer/filing/0001367859-23-000082.md","text":"https://secwatch.observer/filing/0001367859-23-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000082/0001367859-23-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000082/czwi-20230425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T15:55:11.186039+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":[{"claim_id":"75698a737d37dc275be07ae0bc53d52d1281ddb9","claim":"Citizens Community Bancorp Inc. reported the quarter ended March 31, 2023 results: net income $3.7 million, EPS $0.35 per diluted share.","evidence_excerpt":"today reported earnings of $3.7 million and earnings per diluted share of $0.35 for the quarter ended March 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000082/0001367859-23-000082-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2023"},{"label":"Net income","value":"$3.7 million"},{"label":"EPS","value":"$0.35 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}