---
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"
generated_at: "2026-05-17T02:09:11.764482+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Citizens Community Bancorp Q3 EPS $0.37, up from $0.32 YoY; redeems $15M subdebt

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-25-000082
- JSON: https://secwatch.observer/filing/0001367859-25-000082.json
- Plain text: https://secwatch.observer/filing/0001367859-25-000082.txt

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