secwatch.observer — SEC 8-K summary
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Issuer:     Citizens Community Bancorp Inc. (CZWI)
CIK:        0001367859
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0001367859-25-000082
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000082/0001367859-25-000082-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000082/czwi-20251027.htm
  HTML page:      https://secwatch.observer/filing/0001367859-25-000082

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer