secwatch.observer — SEC 8-K summary
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Issuer:     Citizens Community Bancorp Inc. (CZWI)
CIK:        0001367859
Form:       8-K
Filed at:   2025-04-28T23:59:59+00:00
Accession:  0001367859-25-000042
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000042/0001367859-25-000042-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000042/czwi-20250428.htm
  HTML page:      https://secwatch.observer/filing/0001367859-25-000042

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer