---
schema_version: "secwatch.filing_event.v1"
accession: "0001367859-24-000104"
form_type: "8-K"
ticker: "CZWI"
cik: "0001367859"
company_name: "Citizens Community Bancorp Inc."
filed_at: "2024-10-28T23:59:59+00:00"
generated_at: "2026-05-30T09:37:33.843263+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Citizens Community Bancorp Q3 EPS $0.32, down from Q2 $0.35; NPAs rise to $17.1M

## Summary
- Q3 2024 net income $3.3M ($0.32 diluted), down from $3.7M ($0.35) in Q2 2024; up from $2.5M ($0.24) a year ago.
- Net interest margin 2.63% (down 9 bps QoQ); net interest income $11.3M, down $0.3M due to lower non-recurring interest income.
- Nonperforming assets increased to $17.1M from $10.3M, largely from one agricultural/forestry loan relationship.
- Repurchased 223k shares at $12.91 avg in Q3; 333k shares remain under buyback authorization.
- Tangible book value per share $14.64, up 16.1% from $12.61 a year ago.

## SEC filing metadata
- accession: 0001367859-24-000104
- form_type: 8-K
- ticker: CZWI
- cik: 0001367859
- company_name: Citizens Community Bancorp Inc.
- filed_at: 2024-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1367859/000136785924000104/0001367859-24-000104-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1367859/000136785924000104/czwi-20241028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-24-000104
- JSON: https://secwatch.observer/filing/0001367859-24-000104.json
- Plain text: https://secwatch.observer/filing/0001367859-24-000104.txt

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