{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-23-000124","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2023-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.713011+00:00","generated_at":"2026-06-13T04:07:39.809766+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Community Bancorp Q2 EPS $0.31; net interest margin declines, nonperforming assets rise","bullets":["Earnings per diluted share $0.31, down from $0.35 in Q1 2023 and $0.41 in Q2 2022; net income $3.2M.","Net interest margin (ex-accretion) fell to 2.69% from 2.99% in Q1 as deposit costs rose faster than asset yields.","Nonperforming assets increased to $17.4M (0.95% of assets) from $11.7M; substandard loans up $3.8M to $19.2M.","Tangible book value per share improved to $12.61 from $12.48; stock buyback of 14k shares in Q2.","Provision for credit losses rose to $0.45M from $0.05M on worsening economic forecast, partially offset by specific reserve declines."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-23-000124","json":"https://secwatch.observer/filing/0001367859-23-000124.json","markdown":"https://secwatch.observer/filing/0001367859-23-000124.md","text":"https://secwatch.observer/filing/0001367859-23-000124.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000124/0001367859-23-000124-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000124/czwi-20230724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T04:07:39.809766+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":"c781441445d0ecc1522a49d9eaa3ab6bcc898ea5","claim":"Citizens Community Bancorp Inc. reported the six months ended June 30, 2023 results: net income $6.9 million, EPS $0.66 per diluted share.","evidence_excerpt":"For the first six months of 2023, earnings were $6.9 million, or $0.66 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000124/0001367859-23-000124-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Net income","value":"$6.9 million"},{"label":"EPS","value":"$0.66 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"cc7c8348f8cc8432c1c2f906e765450f0ecdd02a","claim":"Citizens Community Bancorp Inc. reported the quarter ended June 30, 2023 results: net income $3.2 million, EPS $0.31 per diluted share.","evidence_excerpt":"Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.2 million and earnings per diluted share of $0.31 for the quarter ended June 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000124/0001367859-23-000124-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$3.2 million"},{"label":"EPS","value":"$0.31 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"}