---
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"
generated_at: "2026-05-18T00:12:11.174813+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-25-000065
- JSON: https://secwatch.observer/filing/0001367859-25-000065.json
- Plain text: https://secwatch.observer/filing/0001367859-25-000065.txt

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