{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-25-000042","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2025-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.077133+00:00","generated_at":"2026-05-23T04:49:24.191822+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Citizens Community Bancorp Q1 2025 EPS $0.32; net interest margin up 6 bps to 2.85%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-25-000042","json":"https://secwatch.observer/filing/0001367859-25-000042.json","markdown":"https://secwatch.observer/filing/0001367859-25-000042.md","text":"https://secwatch.observer/filing/0001367859-25-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000042/0001367859-25-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000042/czwi-20250428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T04:49:24.191822+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}