---
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"
generated_at: "2026-07-27T13:00:14.118023+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Citizens Community Bancorp Q2 EPS $0.11, down from $0.39 Q1; provision for credit losses surges to $4.33M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001367859-26-000041
- JSON: https://secwatch.observer/filing/0001367859-26-000041.json
- Plain text: https://secwatch.observer/filing/0001367859-26-000041.txt

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