secwatch.observer — SEC 8-K summary
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Issuer:     Citizens Community Bancorp Inc. (CZWI)
CIK:        0001367859
Form:       8-K
Filed at:   2026-07-27T12:54:38+00:00
Accession:  0001367859-26-000041
Event type: earnings
Sentiment:  negative
Materiality: 0.80
Item codes: 2.02, 9.01, 8.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1367859/000136785926000041/0001367859-26-000041-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1367859/000136785926000041/czwi-20260727.htm
  HTML page:      https://secwatch.observer/filing/0001367859-26-000041

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