{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-25-000082","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.238194+00:00","generated_at":"2026-05-17T02:09:11.764482+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Community Bancorp Q3 EPS $0.37, up from $0.32 YoY; redeems $15M subdebt","bullets":["Q3 2025 net income $3.7M ($0.37 diluted) vs $3.3M ($0.33) Q2 2025 and $3.3M ($0.32) Q3 2024.","Redeemed $15M of 6% subordinated debt on September 1, 2025.","Loans decreased $22.6M to $1.323B; deposits increased $2.1M to $1.48B.","Nonperforming assets rose $3.7M to $16.7M due to a $9M multifamily loan placed on nonaccrual.","Tangible book value $15.71, up 7.3% YoY; repurchased ~136K shares at avg $14.93."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-25-000082","json":"https://secwatch.observer/filing/0001367859-25-000082.json","markdown":"https://secwatch.observer/filing/0001367859-25-000082.md","text":"https://secwatch.observer/filing/0001367859-25-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000082/0001367859-25-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785925000082/czwi-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:09:11.764482+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"}