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CZWI on Nasdaq

Citizens Community Bancorp Inc.

American savings institution company based in Eau Claire1

In its 2026 annual report the company says: “Citizens Community Bancorp, Inc. is a Maryland corporation organized in 2004. The Company is a bank holding company and is subject to regulation by the Office of the Comptroller of the Currency and by the Federal Reserve Bank.”3 Its shares trade on Nasdaq under the symbol CZWI.1

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Last updated Oct 21, 2026.

Overview

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  • TickerCZWI on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersEau Claire, Wisconsin1
  • Incorporated inMD2
  • Business address2174 Eastridge Center, Eau Claire, Wi 547012
  • Filer categoryAccelerated filer, Smaller reporting company2
  • Legal formCorporation

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Citizens Community Bancorp, Inc. (the “Company”) is a Maryland corporation organized in 2004. The Company is a bank holding company and is subject to regulation by the Office of the Comptroller of the Currency (“OCC”) and by the Federal Reserve Bank. Our primary activities consist of holding the stock of our wholly-owned subsidiary bank, Citizens Community Federal N.A. (the “Bank”), and providing commercial, agricultural and consumer banking activities through the Bank. At December 31, 2025, we had approximately $1.782 billion in total assets, $1.524 billion in deposits, and $187.9 million in equity.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income456789$14.4M in 2025+52% since 2019
0$10.0M$20.0M$30.0M2019: $9.5M$9.5M20192020: $12.7M$12.7M2020+34%2021: $21.3M$21.3M2021+67%2022: $17.8M$17.8M2022−16%2023: $13.1M$13.1M2023−26%2024: $13.8M$13.8M2024+5%2025: $14.4M$14.4M2025+5%

Every line of the income statement as filed: the last 2 fiscal years, latest first.9

Period ending2025-12-312024-12-31
Interest and fees on loans$77.5M$79.7M
Interest on cash and investments$10.1M$9.9M
Total interest and dividend income$87.6M$89.6M
Interest on deposits$33.1M$38.0M
Interest on FHLB borrowed funds$13.0K$1.3M
Interest on other borrowed funds$3.3M$3.9M
Total interest expense$36.4M$43.1M
Net interest income before provision for credit losses$51.2M$46.5M
Provision (provision reversal) for credit losses$1.9M-$3.2M
Net interest income after provision for credit losses$49.2M$49.6M
Service charges on deposit accounts$1.8M$1.9M
Interchange income$2.2M$2.2M
Loan servicing income$2.4M$2.3M
Gain on sale of loans$2.9M$2.2M
Loan fees and service charges$676.0K$996.0K
Net gains (losses) on equity securities$234.0K-$856.0K
Bank Owned Life Insurance (BOLI) death benefit$0$184.0K
Other$993.0K$1.1M
Total non-interest income$11.1M$10.1M
Compensation and related benefits$23.9M$22.7M
Occupancy$5.0M$5.2M
Data processing$6.8M$6.5M
Amortization of intangible assets$584.0K$715.0K
Mortgage servicing rights expense, net$621.0K$534.0K
Advertising, marketing and public relations$906.0K$793.0K
FDIC premium assessment$773.0K$798.0K
Professional services$1.8M$1.8M
Losses on repossessed assets, net$33.0K$294.0K
Other$2.6M$3.0M
Total non-interest expense$42.9M$42.3M
Income before provision for income taxes$17.4M$17.4M
Provision for income taxes$3.0M$3.7M
Net income attributable to common stockholders$14.4M$13.8M
Basic earnings (USD per share)$1.46$1.34
Diluted earnings (USD per share)$1.46$1.34
Cash dividends paid (USD per share)$0.36$0.32

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Corporate structure

Citizens Community Bancorp Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Citizens Community Bancorp Inc.

  • Manulife Financial Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest Aug 14, 2026 (9 filings since Feb 16, 2022)
  • Wellington Management Company Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest Aug 13, 2026 (2 filings since Feb 10, 2026)
  • VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest Jul 31, 2026 (2 filings since Apr 29, 2026)
  • Andrew David Schornack Filed SCHEDULE 13D/A on Citizens Community Bancorp Inc., latest Jul 29, 2026 (4 filings since Jun 4, 2026)
  • BlackRock Filed SCHEDULE 13G on Citizens Community Bancorp Inc., latest Jul 27, 2026
  • AllianceBernstein Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest May 18, 2026 (5 filings since Feb 14, 2022)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest Mar 26, 2026 (3 filings since Nov 4, 2024)
  • BANC FUNDS CO LLC Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest Feb 17, 2026 (4 filings since Feb 7, 2022)
  • Fourthstone LLC Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest Feb 13, 2026 (3 filings since Feb 14, 2022)
  • FJ Capital Management LLC Filed SCHEDULE 13G/A on Citizens Community Bancorp Inc., latest Aug 13, 2025 (4 filings since Jul 11, 2023)
  • Citizens Community Bancorp Inc. Eau Claire, Wisconsin

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Citizens Community Bancorp Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$33.0M9 Dec 31, 2025$31.6M9 Dec 31, 2024+4.1%
Accumulated depreciation$16.6M9 Dec 31, 2025$14.6M9 Dec 31, 2024+13.9%
Property and equipment, net$16.4M9 Dec 31, 2025$17.1M9 Dec 31, 2024−4.2%
Operating-lease assets (leased space)$764.0K9 Dec 31, 2025$815.0K9 Dec 31, 2024−6.3%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$118.9M9 Dec 31, 2025$50.2M9 Dec 31, 2024+136.9%
Equity securities at fair value$5.8M9 Dec 31, 2025$4.7M9 Dec 31, 2024+24.2%
Loans, net of allowance$1.3B9 Dec 31, 2025$1.3B9 Dec 31, 2024−2.3%
Deposits held (banks)$1.5B9 Dec 31, 2025$1.5B9 Dec 31, 2024+2.4%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$31.5M9 Dec 31, 2025$31.5M9 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$395.0K9 Dec 31, 2025$979.0K9 Dec 31, 2024−59.7%

Properties, in its own words

The Company leases its main administrative offices located at 2174 EastRidge Center, Eau Claire, WI 54701. At December 31, 2025, the Bank had a total of 21 full-service branch offices located in the Wisconsin cities of Altoona, Barron, Eau Claire, Ellsworth, Ettrick, La Crosse, Ladysmith, Lake Hallie, Mondovi, Osseo, Rice Lake, Spooner, Strum and

Tomah (2); and the Minnesota cities of Albert Lea, Blue Earth, Fairmont, Mankato, Oakdale, and Wells. Of these, the Bank owns 19 and leases the remaining 2 branch offices. Management believes that our current facilities are adequate to meet our present and immediately foreseeable needs. For more information on our properties and equipment, see Note 5, Office Properties and Equipment of Notes to Consolidated Financial Statements contained in Item 8 of this Form 10-K. For more information on our leases, see Note 7, Leases of Notes to Consolidated Financial Statements contained in Item 8 of this Form 10-K.

Item 2 of the 10-K filed Mar 5, 2026.3

Leadership

Who has led Citizens Community Bancorp Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. James G. Cooley2006–2009
  2. Edward H. Schaefer2010–2016
  3. Stephen M. Bianchi2016–now

President

  1. James G. Cooley2006–2009
  2. Timothy J. Cruciani2009
  3. Edward H. Schaefer2010–2016
  4. Stephen M. Bianchi2016–now

Chief financial officer

  1. John D. Zettler2006–2010
  2. Mark C. Oldenberg2011–2017
  3. James S. Broucek2017–now

Chief operating officer

  1. Timothy J. Cruciani2011
2010201520202025
Board members and other officers (18)

Timeline

  1. Sep 2, 20268-K Other events38
  2. Jul 31, 20268-K Other events39
  3. Jul 27, 20268-K Results of operations; Other events40
  4. Jun 17, 20268-K Shareholder vote41
  5. Apr 27, 20268-K Results of operations; Other events42
  6. Apr 16, 20268-K Executive or director change43
  7. Jan 27, 20268-K Regulation FD disclosure44
  8. Jan 26, 20268-K Results of operations; Other events45
  9. Oct 29, 20258-K Regulation FD disclosure46
  10. Oct 27, 20258-K Results of operations47
  11. Jul 28, 20258-K Results of operations; Other events48
  12. Jul 9, 20258-K Debt or obligation accelerated49
  13. Jun 28, 2016New chief executive Stephen M. Bianchi becomes CEO12
  14. Jan 12, 2010New chief executive Edward H. Schaefer becomes CEO13
  15. Sep 11, 2006New chief executive James G. Cooley becomes CEO14

Calendar

Coming up

  1. Oct 26, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.37 a share, on Oct 27, 2025.50

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results40
  2. Apr 27, 2026Reported quarterly or annual results42
  3. Jan 26, 2026Reported quarterly or annual results45
  4. Oct 27, 2025Reported quarterly or annual results47
  5. Jul 28, 2025Reported quarterly or annual results48
  6. Apr 28, 2025Reported quarterly or annual results51
  7. Jan 27, 2025Reported quarterly or annual results52
  8. Oct 28, 2024Reported quarterly or annual results53

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

255 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 53 major events, 133 insider forms, 37 large holders, 1 private raises, 11 other. The latest 20:

  1. Sep 2, 20268-K EDGAR
  2. Aug 14, 2026SCHEDULE 13G/A EDGAR
  3. Aug 13, 2026SCHEDULE 13G/A EDGAR
  4. Aug 10, 20264 EDGAR
  5. Aug 10, 20264 EDGAR
  6. Aug 6, 202610-Q EDGAR
  7. Jul 31, 2026SCHEDULE 13G/A EDGAR
  8. Jul 31, 20268-K EDGAR
  9. Jul 29, 2026SCHEDULE 13D/A EDGAR
  10. Jul 27, 2026SCHEDULE 13G EDGAR
  11. Jul 27, 20268-K EDGAR
  12. Jul 8, 2026SCHEDULE 13D/A EDGAR
  13. Jun 29, 2026SCHEDULE 13D/A EDGAR
  14. Jun 17, 20268-K EDGAR
  15. Jun 10, 20264 EDGAR
  16. Jun 4, 2026SCHEDULE 13D EDGAR
  17. Jun 2, 20264 EDGAR
  18. Jun 2, 20264 EDGAR
  19. May 18, 20264 EDGAR
  20. May 18, 20264 EDGAR

The 255 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

66 open-market trades by officers, directors and large owners since October 2021: 64 buys and 2 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 10, 2026FELBER FRANCIS EDirectorBuy500$20.25$10.1KForm 4
Aug 10, 2026Bianchi Stephen MCEO and PresidentBuy1,000$20.50$20.5KForm 4
May 18, 2026FELBER FRANCIS EDirectorBuy500$20.60$10.3KForm 4
May 18, 2026MOLL JAMES DDirectorSale2,000$20.59$41.2KForm 4
May 14, 2026MOLL JAMES DDirectorSale3,000$21.00$63.0KForm 4
May 8, 2026SKARVAN KATHLEENDirectorBuy750$21.16$15.9KForm 4
May 5, 2026Olson Timothy LDirectorBuy1,000$20.95$20.9KForm 4
May 4, 2026FELBER FRANCIS EDirectorBuy1,000$20.60$20.6KForm 4
Apr 30, 2026Conner Michael RDirectorBuy1,100$20.95$23.0KForm 4
Aug 6, 2025Conner Michael RDirectorBuy1,600$15.03$24.0KForm 4
Aug 4, 2025Olson Timothy LDirectorBuy1,471$14.99$22.1KForm 4
Jul 31, 2025SKARVAN KATHLEENDirectorBuy1,000$14.74$14.7KForm 4
Jul 31, 2025FELBER FRANCIS EDirectorBuy3,000$14.80$44.4KForm 4
Sep 4, 2024Bianchi Stephen MCEO and PresidentBuy250$13.60$3.4KForm 4
Aug 23, 2024Bianchi Stephen MCEO and PresidentBuy323$13.42$4.3KForm 4
Aug 12, 2024BROUCEK JAMES SEVP/CFO/Treasurer/SecretaryBuy400$12.60$5.0KForm 4
Aug 7, 2024BROUCEK JAMES SEVP/CFO/Treasurer/SecretaryBuy400$12.19$4.9KForm 4
Jun 6, 2024Bianchi Stephen MCEO and PresidentBuy100$11.15$1.1KForm 4
May 31, 2024BROUCEK JAMES SEVP/CFO/Treasurer/SecretaryBuy12$11.64$140Form 4
May 16, 2024Bianchi Stephen MCEO and PresidentBuy250$11.50$2.9KForm 4

All 66 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Mar 11, 2022Raised $35 million in a private offering of debt Form D: 23 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 94. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.632,627$14.8M0.0%+124,727
Manufacturers Life Insurance Company, The480,842$11.2M0.0%−3,346
Vanguard Capital Management LLC413,376$9.7M0.0%−47,845
Dimensional Fund Advisors LP376,262$8.8M0.0%+29,521
Boston Partners281,634$6.6M0.0%+47,022
Gendell Jeffrey L248,319$5.8M0.1%No change
Geode Capital Management, LLC230,737$5.4M0.0%+26,474
Banc Funds Co LLC195,055$4.6M0.8%−11,000
Two Sigma Investments, LP159,050$3.7M0.0%+84,639
Bridgeway Capital Management, LLC158,017$3.7M0.1%−2,295
Arrowstreet Capital, Limited Partnership147,560$3.5M0.0%No change
Rhino Investment Partners, Inc144,034$3.4M1.0%−18,278
State Street Corp134,310$3.1M0.0%+9,819
Mackenzie Financial Corp112,055$2.6M0.0%New
Daytona Street Capital LLC109,911$2.5M1.8%−41,333
Renaissance Technologies LLC107,200$2.5M0.0%+53,800
RFG - Bristol Wealth Advisors, LLC104,290$2.4M0.6%+608
Alliancebernstein L.P.110,737$2.2M0.0%−36,821
Pinnacle Holdings, LLC91,262$2.1M0.7%−85
Northern Trust Corp74,164$1.7M0.0%−9,888
O'shaughnessy Asset Management, LLC71,842$1.7M0.0%+16,247
Empowered Funds, LLC71,318$1.7M0.0%+2,705
Vanguard Fiduciary Trust Co64,184$1.5M0.0%+3,818
Vanguard Portfolio Management LLC62,236$1.5M0.0%+8,416
Hsbc Holdings PLC53,522$1.2M0.0%−5,732

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Citizens Community Bancorp Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCitizens Community Bancorp Inc.1
  • CIK0001367859
  • Employer ID (EIN)20-51200103
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address2174 Eastridge Center, Eau Claire, WI 547011
  • Phone715 836 99941
  • Shares outstanding9,650,231 as of Aug 6, 202611
  • Public float$105.1M as of Jun 30, 20253
  • AuditorCrowe LLP, Oak Brook Terrace, Illinois PCAOB ID 173; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceJun 30, 20061
  • Filings1,025 in all: 4 (469), 8-K (244), 10-Q (59), SC 13G/A (35), 3 (28), DEF 14A (22), 10-K (20), SC 13G (17)1
    All 46 form types

    SCHEDULE 13G/A (13), 4/A (12), UPLOAD (11), 8-K/A (10), 425 (8), CORRESP (8), ARS (7), SCHEDULE 13G (6), 3/A (4), 424B3 (4), 5 (4), EFFECT (4), SC 13D/A (4), D (3), S-1/A (3), SCHEDULE 13D/A (3), PRE 14A (2), S-4 (2), S-4/A (2), S-8 (2), SC 13D (2), 10-K/A (1), 10-KT (1), 10-Q/A (1), 144 (1), 8-A12B (1), 8-A12B/A (1), 8-A12G (1), CERTNAS (1), D/A (1), DEFA14A (1), DEFA14C (1), NT 10-Q (1), S-3 (1), S-8 POS (1), SB-2 (1), SCHEDULE 13D (1), SE (1)

  • Latest filingsAnnual report (10-K) Mar 5, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Apr 29, 2026
    Latest 8-K (8-K) Sep 2, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $.01 par value per shareCZWINASDAQ Global Market

From the cover page of the 10-K filed Mar 5, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks Citizens Community Bancorp Inc. names in Item 1A of its 10-K filed Mar 5, 2026: 30 risks under these headings, as written.3

  • RISKS RELATED TO ECONOMIC CONDITIONS
  • Our business may be adversely affected by conditions in the financial markets and economic conditions generally.
  • Inflation may have an adverse impact on our business and on our customers.
  • Geopolitical tensions, including current or anticipated impact of military conflicts, could adversely affect general economic industry conditions.
  • We are subject to higher lending risks with respect to our commercial and agricultural banking activities which could adversely affect our financial condition and results of operations.
  • Future pandemics could materially affect our results of operations, financial position and/or liquidity.
  • RISKS RELATED TO OUR BUSINESS AND OPERATIONS
  • We rely on network and information systems and other technologies, and, as a result, we are subject to various cybersecurity risks.
  • The impact of larger or similar-sized financial institutions encountering financial difficulties may adversely affect the Company's business, earnings and financial condition.
  • We are subject to interest rate risk.
  • We are subject to lending risk.
  • Changes in the fair value or ratings downgrades of our securities may reduce our stockholders’ equity, net earnings, or regulatory capital ratios.
The other 20 risks
  • Our allowance for credit losses - loans may be insufficient.
  • Competitive pressure from others in the financial services industry, including non-depository institutions, may affect our results.
  • Customers may decide to use emerging financial technologies such as cryptocurrencies rather than banks to complete their financial transactions, which could result in a loss of income to us.
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
  • Maintaining or increasing our market share may depend on lowering prices and market acceptance of new products and services.
  • We could experience an unexpected inability to obtain needed liquidity.
  • Future growth, operating results or regulatory requirements may require us to raise additional capital but that capital may not be available.
  • We may not be able to attract or retain key people.
  • We continually encounter technological change.
  • Our business may be adversely affected by an increasing prevalence of fraud and other financial crimes.
  • Our internal controls and procedures may fail or be circumvented.
  • Our growth strategy includes selectively acquiring businesses through acquisitions of other banks, and our ability to consummate these acquisitions on economically advantageous terms acceptable to us in the future is unknown.
  • Acquisition and expansion activities may disrupt our business, dilute existing stockholders and adversely affect our operating results.
  • Our ability to pay dividends depends primarily on dividends from our banking subsidiary, the Bank, which is subject to regulatory and other limitations.
  • Our shares of common stock are thinly traded and our stock price may be more volatile.
  • Climate change manifesting as physical or transition risks could adversely affect our operations, businesses, and customers.
  • REGULATORY AND COMPLIANCE RISKS
  • We operate in a highly regulated environment, and are subject to changes, which could increase our cost structure or have other negative impacts on our operations.
  • Our reporting obligations as a public company are costly.
  • Changes in federal or state tax laws could adversely affect our business, financial condition and results of operations.
  • We are subject to changes in accounting principles, policies or guidelines.

Legal proceedings

In the normal course of business, the Company and/or the Bank occasionally become involved in various legal proceedings. While the outcome of any such proceeding cannot be predicted with certainty, in our opinion, we believe that any liability from such proceedings would not have a material adverse effect on the business or financial condition of the Company.

The opening of Item 3, Legal Proceedings.3

Sources

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