Welcome to our dedicated page for Citizens Community Bancorp SEC filings (Ticker: CZWI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Monitoring a regional bank’s risk profile can feel overwhelming—especially when loan loss provisions, deposit betas, and agricultural credit exposures sprawl across hundreds of pages. Citizens Community Bancorp’s filings are no exception. If you have ever searched, "How do I track Citizens Community Bancorp insider trading Form 4 transactions?" or wondered where to find the bank’s allowance for credit losses in its 10-K annual report, you know the challenge.
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Inside each document you’ll find:
- Loan portfolio shifts and credit quality metrics pulled from the Citizens Community Bancorp annual report 10-K simplified
- Deposit growth, margin pressure, and CECL impacts highlighted in the latest Citizens Community Bancorp earnings report filing analysis
- Citizens Community Bancorp executive stock transactions Form 4 with instant AI context so you can spot buying or selling patterns before they move the market
- Pay packages decoded from the Citizens Community Bancorp proxy statement executive compensation
Use Stock Titan to compare quarter-over-quarter performance, track Citizens Community Bancorp SEC filings explained simply, and receive push notifications for every new disclosure. Understanding Citizens Community Bancorp SEC documents with AI means faster insights, clearer decisions, and more time to focus on what matters—evaluating a community bank’s true value.
Citizens Community Bancorp (CZWI) disclosed an insider transaction by its CEO and President (also a Director). On 11/05/2025, the insider exercised a common stock option (code M) for 5,000 shares at $11 per share. Following the transaction, 81,168 common shares were beneficially owned directly, and 53,480 shares were beneficially owned indirectly by IRA.
In derivatives, the filing lists 10,000 stock options beneficially owned following the reported activity. The exercised option was granted under the company’s 2008 Equity Incentive Plan, which vested in 20% increments from June 24, 2017 through June 24, 2021, and carries an expiration date of June 24, 2026.
Citizens Community Bancorp (CZWI) reported Q3 2025 results. Net income was $3.682 million, or $0.37 per diluted share. Net interest income before provision rose to $13.214 million from $11.285 million a year ago as interest expense declined. The provision for credit losses was $0.650 million versus a recovery in the prior year period. Non-interest income was $3.022 million and non-interest expense was $11.051 million.
On the balance sheet, total assets were $1.727 billion and deposits were $1.481 billion as of September 30, 2025. Loans receivable, net, were $1.301 billion. Stockholders’ equity increased to $186.8 million, aided by an improvement in accumulated other comprehensive loss to $(13.227) million. The company repurchased 135,252 shares in Q3 for $2.019 million. FHLB advances were $0 at quarter end, down from $5.0 million at year-end 2024. Shares outstanding were 9,856,745 at September 30, 2025.
Citizens Community Bancorp, Inc. (CZWI) will participate in the Hovde Group Financial Services Conference in Naples, Florida on November 6–7, 2025. Chairman, President & CEO Stephen Bianchi and CFO James S. Broucek will meet with institutional investors.
Management’s investor presentation is furnished as Exhibit 99.1 under Item 7.01 (Regulation FD). The materials contain forward-looking statements covered by the Private Securities Litigation Reform Act safe harbor. The information in Items 7.01 and 9.01 and Exhibit 99.1 is furnished, not filed, and is not incorporated by reference unless expressly stated.
Citizens Community Bancorp (CZWI) furnished an 8-K announcing it released financial results for the three and nine months ended September 30, 2025, and posted an Earnings Release Supplement and Earnings Release Presentation to its website. The press release (Exhibit 99.1), supplement (99.2), and presentation (99.3) are furnished under Item 2.02 and are not deemed filed under Section 18. The Company plans to file the same presentation on October 29, 2025 with an updated cover for the Hovde Group Financial Services Conference.
Citizens Community Bancorp's Schedule 13G/A discloses that FJ Capital Management LLC, two funds it manages, and Martin Friedman reported their common‑stock holdings. Martin Friedman directly holds 105,955 shares and, through funds managed by FJ Capital, is associated with an additional 383,656 shares, for an aggregate beneficial position of 489,611 shares (4.90%). FJ Capital Management reports shared voting and dispositive power over 383,656 shares (3.84%). The filing lists Financial Opportunity Fund LLC with 162,442 shares (1.63%) and Financial Hybrid Opportunity Fund LLC with 221,214 shares (2.21%). The filers certify the shares were not acquired to effect a change in control.
Manulife Investment Management (US) LLC reports beneficial ownership of 495,338 shares of Citizens Community Bancorp Inc. common stock, representing 4.96% of 9,988,997 shares outstanding per the issuer's public filing. Through its parent-subsidiary relationship, Manulife Financial Corporation may be deemed to beneficially own the same position, while the parent itself reports 0 shares held directly.
The Schedule 13G amendment discloses that MIM (US) holds sole voting and dispositive power over the 495,338 shares and the filers certify the holdings were acquired and are held in the ordinary course of business and not for the purpose of influencing control of the issuer.
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