23.66
+1.20%
Close of 9 Nov 2026, in USD
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About Citizens Community Bancorp
From its filings with the US Securities and Exchange Commission
Citizens Community Bancorp is based in Eau Claire, Wisconsin and is incorporated in Maryland. Its shares trade on Nasdaq under the ticker CZWI. The SEC classifies its business as savings institution, federally chartered. In the fiscal year to 31 December 2025, it reported net income of $14.4m. At that date it held total assets of $1.78bn and shareholders' equity of $187.9m.
Citizens Community Bancorp, Inc. (the “Company”) is a Maryland corporation organized in 2004. The Company is a bank holding company and is subject to regulation by the Office of the Comptroller of the Currency (“OCC”) and by the Federal Reserve Bank. Our primary activities consist of holding the stock of our wholly-owned subsidiary bank, Citizens Community Federal N.A. (the “Bank”), and providing commercial, agricultural and consumer banking activities through the Bank. At December 31, 2025, we had approximately $1.782 billion in total assets, $1.524 billion in deposits, and $187.9 million in equity.
The Bank is a federally chartered National Bank serving customers in Wisconsin and Minnesota through 21 full-service branch locations. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, Agricultural operators and consumers, including one-to-four family residential mortgages.
This information is included in Item 7; “Management’s Discussion and Analysis of Financial Condition and Results of Operations”, under the heading “Statement of Operations Analysis” herein.
Quoted from its 10-K, filed 5 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 30 Mar 2004
- Employees
- 217
- Website
- ccf.us ↗
- Head office
- 2174 EASTRIDGE CENTER, EAU CLAIRE, WI, 54701
- Incorporated in
- MD
- Classification
- Savings Institution, Federally Chartered
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Stephen BianchiChairman of the Board, President, Chief Executive Officer, since 2016$744,755
- Mr. James BroucekChief Financial Officer, Executive Vice President, Chief Accounting Officer, Treasurer$421,267
- Mr. Michael SwensonLead Independent Director$50,494
- Ms. Kristina BourgetIndependent Director$42,289
- Mr. Michael ConnerIndependent Director$51,589
- Mr. Francis FelberIndependent Director$64,589
- Mr. James MollIndependent Director$54,064
- Mr. Timothy OlsonIndependent Director$57,089
- Ms. Kathleen SkarvanIndependent Director$42,289
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Citizens Community Bancorp Inc exhibits several strengths that contribute to its success and competitiveness in the market. Firstly, the company possesses a strong financial position with a solid balance sheet and healthy cash flow. This provides stability and enables the organization to seize growth opportunities effectively.
- Additionally, the company has established a reputable brand image in the industry, known for its reliable and customer-centric approach. Citizens Community Bancorp Inc takes pride in its exceptional customer service, high-quality products, and innovative financial solutions.
- Another strength lies in the company's diversified revenue streams. With a wide range of products and services offered, Citizens Community Bancorp Inc is well-positioned to serve the varying needs of its customers and capture market share across different segments.
Weaknesses
- Despite its strengths, Citizens Community Bancorp Inc faces certain weaknesses that may hinder its growth potential or competitive position. One notable weakness is the company's relatively small size compared to larger financial institutions in the market. This poses challenges in terms of resources and reach.
- Another weakness is the company's limited geographical presence. Citizens Community Bancorp Inc mainly operates within a specific region, which restricts its access to a broader customer base and potential growth opportunities in other markets.
Opportunities
- The market presents several opportunities for Citizens Community Bancorp Inc to capitalize on. Firstly, the ongoing digital transformation in the financial sector opens doors for the company to enhance its online banking services and develop innovative digital solutions to attract tech-savvy customers.
- Additionally, potential mergers and acquisitions within the industry provide opportunities for market expansion and increased market share. Citizens Community Bancorp Inc can strategically collaborate or align with other financial institutions to access new markets or leverage synergies.
Threats
- There are certain threats in the market that Citizens Community Bancorp Inc needs to address in order to safeguard its position. One major threat is intense competition from both traditional banks and emerging fintech startups. This competition puts pressure on pricing, customer acquisition, and technological advancements.
- Moreover, changing regulatory policies and compliance requirements pose risks to the company's operations. Any non-compliance or failure to adapt to evolving regulations could result in financial penalties or damage to the company's reputation.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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