Manulife units report 5.06% CZWI stake in Citizens Community (CZWI)

Rhea-AI Filing Summary

Manulife-affiliated investment managers report a significant ownership stake in Citizens Community Bancorp Inc. Manulife Investment Management (US) LLC holds 488,509 shares of Citizens Community common stock, representing 5.06% of the class. Manulife Investment Management Limited holds 1,984 shares, or 0.02%.

The filing states that Manulife Financial Corporation, as the indirect parent of these subsidiaries, may be deemed to beneficially own the same shares. The percentages are based on 9,659,745 Citizens Community common shares outstanding as of November 4, 2025, as reported in the issuer’s Form 10-Q.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

Citizens Community Bancorp Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

174903104

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 174903104

1

Names of Reporting Persons

MANULIFE FINANCIAL CORP

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

CANADA (FEDERAL LEVEL)

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

0.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

0 %

12

Type of Reporting Person (See Instructions)

HC

SCHEDULE 13G

CUSIP No. 174903104

1

Names of Reporting Persons

Manulife Investment Management Limited

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

CANADA (FEDERAL LEVEL)

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 1,984.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 1,984.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

1,984.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

0.02 %

12

Type of Reporting Person (See Instructions)

FI

SCHEDULE 13G

CUSIP No. 174903104

1

Names of Reporting Persons

MANULIFE INVESTMENT MANAGEMENT (US) LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 488,509.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 488,509.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

488,509.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.06 %

12

Type of Reporting Person (See Instructions)

IA

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Citizens Community Bancorp Inc.
(b)	Address of issuer's principal executive offices: 2174 Eastridge Center, Eau Claire, WI 54701
Item 2.
(a)	Name of person filing: This filing is made on behalf of Manulife Financial Corporation ("MFC") and MFC's indirect, wholly-owned subsidiaries, Manulife Investment Management (US) LLC ("MIM (US)") and Manulife Investment Management Limited ("MIML")
(b)	Address or principal business office or, if none, residence: The principal business offices of MFC and MIML are located at 200 Bloor Street East, Toronto, Ontario, Canada, M4W 1E5. The principal business office of MIM (US) is located at 197 Clarendon Street, Boston, Massachusetts 02116.
(c)	Citizenship: MFC and MIML are organized and exist under the laws of Canada. MIM (US) is organized and exists under the laws of the State of Delaware.
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 174903104
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
	FI
Item 4.	Ownership
(a)	Amount beneficially owned: MIM (US) has beneficial ownership of 488,509 shares of Common Stock and MIML has beneficial ownership of 1,984 shares of Common Stock. Through its parent-subsidiary relationship to MIM (US) and MIML, MFC may be deemed to have beneficial ownership of these same shares.
(b)	Percent of class: Of the 9,659,745 shares of Common Stock outstanding as of November 4, 2025, according to the Form 10-Q filed by the issuer with the Securities and Exchange Commission on November 3, 2025 MIM (US) held 5.06% and MIML held 0.02%.
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: Incorporated by reference to Item 5 of the cover page pertaining to each reporting person.
	(ii) Shared power to vote or to direct the vote: Incorporated by reference to Item 6 of the cover page pertaining to each reporting person.
	(iii) Sole power to dispose or to direct the disposition of: Incorporated by reference to Item 7 of the cover page pertaining to each reporting person.
	(iv) Shared power to dispose or to direct the disposition of: Incorporated by reference to Item 8 of the cover page pertaining to each reporting person.
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	If a parent holding company has filed this schedule, pursuant to Rule 13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the identity and the Item 3 classification of the relevant subsidiary. If a parent holding company has filed this schedule pursuant to Rule 13d-1(c) or Rule 13d-1(d), attach an exhibit stating the identification of the relevant subsidiary. See Items 3 and 4 above.
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	By signing below I certify that, to the best of my knowledge and belief, the foreign regulatory scheme applicable to MIML is substantially comparable to the regulatory scheme applicable to the functionally equivalent U.S. institution(s). I also undertake to furnish to the Commission staff, upon request, information that would otherwise be disclosed in a Schedule 13D.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

MANULIFE FINANCIAL CORP

Signature:	/s/ Graham Miller
Name/Title:	Graham Miller / Agent*
Date:	02/12/2026

Manulife Investment Management Limited

Signature:	/s/ Christopher Walker
Name/Title:	Christopher Walker / Chief Compliance Officer
Date:	02/04/2026

MANULIFE INVESTMENT MANAGEMENT (US) LLC

Signature:	/s/ Paul Donahue
Name/Title:	Paul Donahue / Chief Compliance Officer
Date:	02/10/2026

Comments accompanying signature: *Signed pursuant to a Power of Attorney dated January 17, 2018 included as Exhibit A to Schedule 13F- NT filed with the Securities and Exchange Commission by Manulife Financial Corporation on January 29, 2018. The original statement shall be signed by each person on whose behalf the statement is filed or his authorized representative. If the statement is signed on behalf of a person by his authorized representative other than an executive officer or general partner of the filing person, evidence of the representative's authority to sign on behalf of such person shall be filed with the statement, provided, however, that a power of attorney for this purpose which is already on file with the Commission may be incorporated by reference. The name and any title of each person who signs the statement shall be typed or printed beneath his signature. NOT Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See ss.240.13d-7 for other parties for whom copies are to be sent. Attention: Intentional misstatements or omissions of fact constitute Federal criminal violations (See 18 U.S.C. 1001)

Exhibit Information

EXHIBIT A - JOINT FILING AGREEMENT

FAQ

What ownership stake does Manulife report in Citizens Community Bancorp (CZWI)?

Manulife-affiliated entities report beneficial ownership of Citizens Community Bancorp common stock totaling 490,493 shares. This includes 488,509 shares held by Manulife Investment Management (US) LLC and 1,984 shares held by Manulife Investment Management Limited, representing 5.06% and 0.02% of the class, respectively.

Which Manulife entities are listed as reporting persons for CZWI in this Schedule 13G?

The reporting persons are Manulife Financial Corporation, Manulife Investment Management (US) LLC, and Manulife Investment Management Limited. The filing explains that the two investment management subsidiaries directly hold the Citizens Community shares, and Manulife Financial Corporation may be deemed to beneficially own those same shares through its parent-subsidiary structure.

How many Citizens Community Bancorp (CZWI) shares does Manulife Investment Management (US) LLC own?

Manulife Investment Management (US) LLC has beneficial ownership of 488,509 Citizens Community Bancorp common shares. The filing states this position represents 5.06% of the issuer’s common stock, calculated using 9,659,745 shares outstanding as of November 4, 2025, from the company’s Form 10-Q.

How many CZWI shares does Manulife Investment Management Limited hold and what is its percentage?

Manulife Investment Management Limited beneficially owns 1,984 Citizens Community Bancorp common shares. According to the filing, this position represents 0.02% of the outstanding common stock, based on 9,659,745 shares outstanding as of November 4, 2025, as reported by the issuer.

What does the Schedule 13G say about Citizens Community Bancorp’s shares outstanding?

The filing cites that Citizens Community Bancorp had 9,659,745 common shares outstanding as of November 4, 2025. This figure comes from the company’s Form 10-Q filed with the SEC and is used to calculate the ownership percentages reported by Manulife’s investment management subsidiaries.

How is Manulife Financial Corporation related to the CZWI shares reported in this filing?

Manulife Financial Corporation is described as the indirect, wholly owned parent of the two reporting investment management subsidiaries. Through this parent-subsidiary relationship, Manulife Financial Corporation may be deemed to have beneficial ownership of the Citizens Community common shares held by its Manulife Investment Management entities.