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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Citizens Community Bancorp
Citizens Community Bancorp (CZWI) investor relations material
Citizens Community Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary26 Oct, 2026
Executive summary
Q3 2026 net income was $5.406 million and diluted EPS was $0.56, versus $3.7 million and $0.37 in Q3 2025; adjusted results matched GAAP.
Nine-month net income was $10.3 million, or $1.06 per diluted share, versus $10.1 million and $1.02 in the prior-year period.
Q3 net interest margin rose to 3.37%; pre-provision net revenue was $6.737 million.
Financial highlights
Q3 net interest income was $14.491 million, up from $13.504 million in Q2; nine-month net interest income was $41.0 million versus $38.1 million.
Q3 provision for credit losses was $125,000, down from $4.33 million in Q2; nine-month provision was $5.2 million versus $1.75 million.
Q3 non-interest income was $2.9 million and non-interest expense was $10.6 million; expense declined 3.8% YoY, mainly on lower data-processing costs.
Total assets were $1.796 billion at September 30, 2026; gross loans were $1.392 billion and deposits were $1.537 billion.
PPNR rose 21.1% QoQ to $6.74 million; nine-month PPNR increased 23.6% to $17.7 million.
Segment performance
Banking operations were the sole reportable segment; Q3 segment net income was $5.4 million versus $3.7 million, and nine-month segment net income was $10.3 million versus $10.1 million.
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Latest events from Citizens Community Bancorp
- Q2 2026 net income fell on higher credit losses, but capital and tangible book value improved.CZWI
Q2 2026 - Proxy covers director elections, new incentive plan, say-on-pay, and auditor ratification.CZWIProxy filing
- Q1 2026 delivered $3.8M net income, 3.18% NIM, strong loan growth, and robust capital ratios.CZWIQ1 2026
- 2025 saw rising net income, strong capital, and a commercial lending focus drive shareholder returns.CZWIQ4 2025
- Q2 2025 net income was $3.3M, with margin gains, strong capital, and a 5% buyback authorized.CZWIQ2 2025
- Q3 2024 net income was $3.3M, with improved capital, liquidity, and tangible book value.CZWIQ3 2024
- Q2 net income $3.7M, asset quality improved, and new 5% stock buyback authorized.CZWIQ2 2024
- Q1 2025 net income was $3.2M, with strong capital, liquidity, and improved efficiency.CZWIQ1 2025
- 2024 net income grew, tangible equity and dividend increased, but Q4 earnings declined.CZWIQ4 2024
Next Citizens Community Bancorp earnings date
Q4 202627 Jan, 2027
Citizens Community Bancorp
Next Citizens Community Bancorp earnings date
Q4 202627 Jan, 2027
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Frequently asked questions
Citizens Community Bancorp Inc. is a financial holding company that operates through its subsidiary, Citizens Community Federal N.A. The company provides a range of banking products and services to individuals, small to medium-sized businesses, and agricultural customers. Its offerings include personal and business banking services, such as checking and savings accounts, loans, mortgages, and credit facilities. Additionally, the company offers services like online and mobile banking, cash management, and treasury services. Citizens Community Bancorp Inc. primarily serves communities in Wisconsin, Minnesota, and Michigan. The company is headquartered in Eau Claire, Wisconsin, and its shares are listed on the NASDAQ.