Citizens Community Bancorp Inc.
Citizens Community Bancorp, Inc. (NASDAQ: CZWI) operates as a bank holding company providing comprehensive financial services through its wholly-owned subsidiary, Citizens Community Federal N.A., a federally chartered national bank. The company maintains its website at www.ccf.us and serves customers across Wisconsin… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Citizens Community Bancorp Inc. does
In the company’s own words
Citizens Community Bancorp, Inc. (NASDAQ: CZWI) operates as a bank holding company providing comprehensive financial services through its wholly-owned subsidiary, Citizens Community Federal N.A., a federally chartered national bank. The company maintains its website at www.ccf.us and serves customers across Wisconsin and Minnesota through 21 full-service branch locations strategically positioned in the Chippewa Valley Region of Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities throughout these areas.
The Bank offers traditional community banking services tailored to businesses, agricultural operators, and consumers. Its lending portfolio encompasses one-to-four family residential mortgages, commercial real estate loans, commercial and industrial loans, agricultural real estate loans, agricultural operating loans, home equity lines of credit, and consumer installment loans. As of December 31, 2025, the company maintained approximately $1.782 billion in total assets, $1.524 billion in deposits, and $187.9 million in equity. Gross outstanding loans totaled $1.343 billion, with commercial and agricultural real estate loans representing the largest segment at $1.074 billion.
The company's investment activities focus on maintaining a diversified portfolio consisting primarily of mortgage-backed securities, asset-backed securities, U.S. Government sponsored agency securities, and corporate debt securities. Primary funding sources include deposits, loan amortization and prepayments, short-term investments, and operational cash flows. The Bank offers a broad range of deposit products including demand deposits, savings and money-market accounts, and certificates of deposit, all insured by the Federal Deposit Insurance Corporation up to statutory limits.
Citizens Community Bancorp employs 238 total employees, including 217 full-time staff members, with no unionized workforce. The company competes with other financial institutions and non-bank competitors by emphasizing personalized service, responsive lending practices, convenient branch locations, and technology solutions including remote deposit capture and mobile banking capabilities. As a smaller reporting company, Citizens Community Bancorp maintains its focus on community-based banking while navigating the comprehensive regulatory framework governing federally chartered national banks and bank holding companies.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- EAU CLAIRE, WI
- Fiscal year end
- December
- CIK
- 1367859
- SIC
- 6035
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Citizens Community Bancorp Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Citizens Community Bancorp Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Citizens Community Bancorp Inc.’s bonds, as funds hold them
Funds report holding 1 issues of Citizens Community Bancorp Inc.’s debt, $1.42M at market value — what funds hold, not the company’s total debt.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do Citizens Community Bancorp Inc. and its peers compare on margins and cash generation over ten years?”
- “Where did five years of Citizens Community Bancorp Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in Citizens Community Bancorp Inc.'s last four quarterly filings that the numbers alone won't show?”