---
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"
generated_at: "2026-05-23T04:49:24.191822+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1367859/000136785925000042/0001367859-25-000042-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1367859/000136785925000042/czwi-20250428.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-25-000042
- JSON: https://secwatch.observer/filing/0001367859-25-000042.json
- Plain text: https://secwatch.observer/filing/0001367859-25-000042.txt

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