{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-25-000065","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.825072+00:00","generated_at":"2026-05-18T00:12:11.174813+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Community Q2 EPS $0.33 vs $0.32 linked qtr; NIM expands 42 bps; authorizes 5% buyback","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-25-000065","json":"https://secwatch.observer/filing/0001367859-25-000065.json","markdown":"https://secwatch.observer/filing/0001367859-25-000065.md","text":"https://secwatch.observer/filing/0001367859-25-000065.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000065/0001367859-25-000065-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000065/czwi-20250728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:12:11.174813+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"}