{"schema_version":"secwatch.filing_event.v1","accession":"0001367859-26-000041","form_type":"8-K","ticker":"CZWI","cik":"0001367859","company_name":"Citizens Community Bancorp Inc.","filed_at":"2026-07-27T12:54:38+00:00","discovered_at":"2026-07-27T13:00:00.341132+00:00","generated_at":"2026-07-27T13:00:14.118023+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Citizens Community Bancorp Q2 EPS $0.11, down from $0.39 Q1; provision for credit losses surges to $4.33M","bullets":["Q2 2026 net income $1.1M ($0.11 diluted EPS) vs $3.8M ($0.39) in Q1 2026 and $3.3M ($0.33) in Q2 2025.","Provision for credit losses increased to $4.33M in Q2 from $0.75M in Q1, driven by $3.1M in specific reserves on nonaccrual loans.","Nonperforming assets rose $14.2M to $32.4M at June 30, 2026, from $18.2M at March 31, 2026, due to three loan relationships.","Net interest margin improved to 3.22% from 3.18% linked quarter; net interest income up $0.5M to $13.5M.","Board declared $0.105 per share quarterly dividend, payable Aug 21, 2026 to holders of record Aug 7, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001367859-26-000041","json":"https://secwatch.observer/filing/0001367859-26-000041.json","markdown":"https://secwatch.observer/filing/0001367859-26-000041.md","text":"https://secwatch.observer/filing/0001367859-26-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1367859/000136785926000041/0001367859-26-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1367859/000136785926000041/czwi-20260727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-27T13:00:14.118023+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"}