Citizens Community Bancorp Inc.
Citizens Community Bancorp Inc. is a Maryland-based bank holding company whose main asset is Citizens Community Federal N.A., a federally chartered community bank. Through the bank, it provides commercial, agricultural, residential mortgage, home equity and consumer banking services to customers in Wisconsin and Minnesota.
Fiscal year 2025 · change from previous year
Development 2020–2025
Business
Share of revenueLoans to small businesses, commercial borrowers and agricultural operators across the bank's local markets.
One-to-four family mortgage originations and related home lending products for local households.
Consumer installment loans and home equity lines used by retail customers for personal borrowing needs.
Core deposit accounts, cash management, remote deposit capture and related banking services.
Fee-based and ancillary banking activities, including electronic banking and other customer services.
Customers
The bank serves consumers, small businesses, agricultural operators and public-sector depositors in its Wisconsin and Minnesota footprint. Its lending and deposit base are built around relationship banking, with customers choosing the bank for local decision-making, branch access and tailored service rather than national scale.
They buy deposits, residential mortgages, home equity lines and consumer loans for everyday banking and housing finance.
They use commercial real estate, C&I and treasury services to fund working capital, property and business expansion.
They borrow for farmland and seasonal operating needs, reflecting the bank's rural market exposure.
They place operating and reserve balances with the bank, supporting low-cost funding and relationship depth.
Strategy
Management is focused on retaining and attracting non-rate-sensitive deposits, strengthening customer relationships and supporting lending growth within its local footprint. The bank also emphasizes liquidity, conservative funding and relationship-based service to defend share against larger banks, credit unions and digital competitors.
Stable, non-rate-sensitive deposits lower funding risk and support loan growth.
Relationship lending in local markets is central to the bank's competitive position.
Strong liquidity supports depositor confidence and loan commitments in a volatile rate environment.
Geography
The bank operates 21 full-service branches in Wisconsin and Minnesota, with core markets in the Chippewa Valley, the Twin Cities and Mankato. Its business is concentrated in nearby rural communities and regional commercial corridors, so local economic conditions, housing activity and agricultural cycles directly affect growth and credit quality.
Risks
The company is exposed to regional economic weakness, credit deterioration and deposit competition because its business is concentrated in Wisconsin and Minnesota and relies on relationship banking. Interest-rate volatility, uninsured deposit sensitivity and competition from larger banks, credit unions and fintech alternatives can pressure funding costs, loan demand and fee income.
- Regional economic concentrationImpact: HighLikelihood: Medium
Most lending and deposit activity is tied to Wisconsin and Minnesota conditions.
Exposure - Deposit competition and rate pressureImpact: HighLikelihood: Medium
Customers can move balances to higher-yielding banks or non-bank alternatives.
Exposure - Credit quality deteriorationImpact: HighLikelihood: Medium
Commercial, agricultural and real estate loans are sensitive to cash flow and collateral values.
Exposure: Allowance for credit losses and charge-offs
- Disintermediation from digital payment alternativesImpact: MediumLikelihood: Medium
Customers may bypass traditional bank channels for transfers and payments.
Exposure: Fee income and deposit balances
Accounting
Judgemental itemsCECL estimates can materially change provision expense and earnings when credit outlook shifts.
Impact: Provision expense, loan loss reserve and capital
MSR valuation and amortization depend on prepayment speeds and fair value assumptions.
Impact: Non-interest expense and asset carrying value
Unused commitments can become funded loans and create future credit exposure.
Impact: Liquidity planning and contingent credit risk
Effective tax rate changes can affect quarterly net income even when pre-tax results are stable.
Impact: Net income and EPS
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Last updated: 24/09/2026