Citizens Community Bancorp Inc. (NASDAQ: CZWI)

Citizens Community Bancorp Inc. operates as a bank holding company, overseeing its wholly-owned subsidiary, Citizens Community Federal N.A., a federally chartered National Bank. The company's primary activities revolve around providing commercial, agricultural, and consumer banking services through its subsidiary bank. As of December 31, 2025, Citizens Community Bancorp Inc. managed approximately $1.782 billion in total assets, $1.524 billion in deposits, and $187.9 million in equity, underscoring its significant presence in the banking sector.

The company generates revenue through a diverse range of financial services, including traditional community banking offerings such as demand deposits, savings accounts, certificates of deposit, and various loan products. These loan products encompass commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit, and consumer loans. The bank's customer base is primarily composed of individual consumers, small commercial borrowers, and agricultural operators within its market areas, which include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas.

• Citizens Community Federal N.A.: This segment operates as the primary subsidiary of Citizens Community Bancorp Inc., offering a comprehensive suite of banking services through 21 full-service branch locations. The bank caters to the financial needs of businesses, agricultural operators, and consumers in Wisconsin and Minnesota. Its services include traditional community banking products such as demand deposits, savings accounts, certificates of deposit, and a variety of loan products tailored to meet the specific requirements of its diverse customer base. The bank's focus on personalized service and community engagement helps it maintain a strong foothold in its operating markets.

Citizens Community Bancorp Inc. competes with other financial institutions and businesses in attracting and retaining deposits and making loans in all of its principal markets. The primary factors in competing for deposits include interest rates, personalized services, the quality and range of financial services, technology, convenient locations and office hours, and alternative delivery systems. The company faces competition from other banks, credit unions, and non-bank competitors such as insurance companies, money market and mutual funds, and other investment alternatives. To differentiate itself, Citizens Community Bancorp Inc. emphasizes building customer relationships with a focus on small-business solutions, including internet and mobile banking, electronic bill pay, and remote deposit capture. This strategic approach allows the company to compete effectively with larger financial institutions by leveraging its community-oriented services and technological advancements.

The general customer base of Citizens Community Bancorp Inc. consists of individual consumers, small commercial borrowers, and agricultural operators within its market areas in Wisconsin and Minnesota. The bank's commitment to personalized service and community engagement helps it maintain strong relationships with its customers, fostering loyalty and long-term growth. By focusing on the specific needs of its diverse customer base, Citizens Community Bancorp Inc. continues to solidify its position as a trusted financial institution in the regions it serves.