Citizens Community Bancorp Q1 2025 EPS $0.32; net interest margin up 6 bps to 2.85%

Citizens Community Bancorp Inc.

2025-Q1 EPS reported $0.32

Net income $3.2M ($0.32 diluted EPS) vs $2.7M ($0.27) in Q4 2024 and $4.1M ($0.39) in Q1 2024.
Net interest margin improved to 2.85% from 2.79% linked quarter; net interest income $11.6M.
Negative provision for credit losses of $0.25M; loans decreased $16.3M to $1.353B.
Total deposits increased $35.5M to $1.524B; FHLB advances fully repaid to zero.
Book value per share $18.02; tangible book value $14.79, up 10% from $13.43 a year ago.

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