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.

— Citizens Community Bancorp Inc.
%
Commercial and agricultural lending45% Loans to small businesses, commercial borrowers and agricultural operators across the bank's local markets.
Residential mortgage lending20% One-to-four family mortgage originations and related home lending products for local households.
Consumer lending10% Consumer installment loans and home equity lines used by retail customers for personal borrowing needs.
Deposit and treasury services20% Core deposit accounts, cash management, remote deposit capture and related banking services.
Other banking services5% Fee-based and ancillary banking activities, including electronic banking and other customer services.

The bank serves consumers, small businesses, agricultural operators and public-sector depositors in its Wisconsin and...

  • Consumer householdsprimary

    They buy deposits, residential mortgages, home equity lines and consumer loans for everyday banking and housing finance.

  • Small commercial borrowersprimary

    They use commercial real estate, C&I and treasury services to fund working capital, property and business expansion.

  • Agricultural operatorsprimary

    They borrow for farmland and seasonal operating needs, reflecting the bank's rural market exposure.

  • Public and municipal depositorssecondary

    They place operating and reserve balances with the bank, supporting low-cost funding and relationship depth.

The bank operates 21 full-service branches in Wisconsin and Minnesota, with core markets in the Chippewa Valley, the...

  • •21 branches across Wisconsin and Minnesota
  • •Core markets include Chippewa Valley, Twin Cities and Mankato
  • •Rural communities are important for agricultural and consumer banking
  • •Local concentration increases sensitivity to regional economic cycles
  • •Funding and lending are both primarily sourced within the footprint

Management is focused on retaining and attracting non-rate-sensitive deposits, strengthening customer relationships and...

01
Expand core deposit relationshipsshort-term

Stable, non-rate-sensitive deposits lower funding risk and support loan growth.

02
Defend local lending franchisemedium-term

Relationship lending in local markets is central to the bank's competitive position.

03
Preserve liquidity and capital strengthshort-term

Strong liquidity supports depositor confidence and loan commitments in a volatile rate environment.

The company is exposed to regional economic weakness, credit deterioration and deposit competition because its business...

high

Regional economic concentration

Most lending and deposit activity is tied to Wisconsin and Minnesota conditions.

Scope
Loan demand, collateral values and borrower repayment capacity
Materiality
high
high

Deposit competition and rate pressure

Customers can move balances to higher-yielding banks or non-bank alternatives.

Scope
Funding costs, deposit retention and net interest margin
Materiality
high
high

Credit quality deterioration

Commercial, agricultural and real estate loans are sensitive to cash flow and collateral values.

Scope
Allowance for credit losses and charge-offs
Materiality
high
medium

Disintermediation from digital payment alternatives

Customers may bypass traditional bank channels for transfers and payments.

Scope
Fee income and deposit balances
Materiality
medium
Allowance for credit losses
Provision expense, loan loss reserve and capital
Mortgage servicing rights
Non-interest expense and asset carrying value
Off-balance-sheet loan commitments
Liquidity planning and contingent credit risk
Income tax estimates
Net income and EPS

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: 28/04/2026