Citizens Community Q2 EPS $0.33 vs $0.32 linked qtr; NIM expands 42 bps; authorizes 5% buyback

Citizens Community Bancorp Inc.

2025-Q2 EPS reported $0.65

Q2 net income $3.3M ($0.33 dil. EPS) vs $3.2M ($0.32) in Q1 2025 and $3.7M ($0.35) in Q2 2024.
Net interest income $13.3M (+$1.7M QoQ); net interest margin 3.27% (+42 bps linked quarter).
Provision for credit losses $1.35M vs negative $0.25M in Q1 on $9.3M rise in delinquencies.
Nonperforming assets down $1.5M to $13.0M; special mention loans up $8.2M to $23.2M on one multifamily loan.
Board authorized 5% stock repurchase (499K shares) and approved redemption of $15M subordinated debentures due 2030.

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