{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-23-000135","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.767865+00:00","generated_at":"2026-06-09T13:45:47.841132+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CZWI Q3 EPS $0.24, vs $0.31 Q2 and $0.38 year ago; NIM expands, NPAs fall","bullets":["Net income $2.5M, diluted EPS $0.24; adjusted EPS (ex tax change) $0.36.","Net interest margin expanded to 2.76% (ex-purchase accretion) from 2.69% Q2.","Nonperforming assets fell to $15.5M from $17.4M Q2; negative provision of $0.3M.","Wisconsin tax law change caused $1.8M one-time charge; future effective tax rate ~21%.","Gross loans up $22.6M to $1.45B; deposits grew $8.6M to $1.47B."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-23-000135","json":"https://secwatch.observer/filing/0001367859-23-000135.json","markdown":"https://secwatch.observer/filing/0001367859-23-000135.md","text":"https://secwatch.observer/filing/0001367859-23-000135.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000135/0001367859-23-000135-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000135/czwi-20231024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T13:45:47.841132+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":"97458cdb1b0be5290ebf3ca7a8875a7fbded5402","claim":"Citizens Community Bancorp Inc. reported the quarter ended September 30, 2023 results: net income $2.5 million, EPS $0.24 per diluted share.","evidence_excerpt":"On October 24, 2023, Citizens Community Bancorp, Inc. (the “Company”) issued a press release announcing our financial results for the three and nine months ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000135/0001367859-23-000135-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$2.5 million"},{"label":"EPS","value":"$0.24 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"e11a2582548c1b84b2951fa41325f9cbb0c26d71","claim":"Citizens Community Bancorp Inc. reported the nine months ended September 30, 2023 results: net income $9.4 million, EPS $0.89 per diluted share.","evidence_excerpt":"On October 24, 2023, Citizens Community Bancorp, Inc. (the “Company”) issued a press release announcing our financial results for the three and nine months ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1367859/000136785923000135/0001367859-23-000135-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$9.4 million"},{"label":"EPS","value":"$0.89 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"}