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Investor Relations14 Oct 2025
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Citizens Community Bancorp (CZWI) investor relations material
Citizens Community Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Q2 2025 net income was $3.3 million ($0.33/share), down from $3.7 million ($0.35/share) in Q2 2024, with six-month net income at $6.5 million ($0.65/share) versus $7.8 million ($0.75/share) prior year.
Net interest income rose year-over-year, driven by nonaccrual loan payoffs and improved net interest margin, partially offset by a smaller loan portfolio.
Non-interest income increased, mainly from higher gains on equity securities and loan sales.
Non-interest expense rose, primarily due to higher compensation and benefits.
Board authorized a new 5% stock repurchase program and approved redemption of $15 million subordinated debentures.
Financial highlights
Net interest income for Q2 2025 was $13.3 million, up from $11.6 million in Q2 2024; net interest margin improved to 3.27% from 2.72% year-over-year.
Allowance for credit losses increased to $21.3 million (1.59% of loans), with net charge-offs at 0.00% annualized.
Nonperforming assets were $13.0 million (0.75% of total assets), down from $14.3 million at year-end.
Total loans receivable, net, were $1.32 billion at June 30, 2025, down from $1.35 billion at year-end.
Deposits declined to $1.48 billion, reflecting seasonal and commercial withdrawals.
Outlook and guidance
Management expects stable or accelerating business activity in core markets, with unemployment below national average.
Interest rate risk remains a focus, with asset-liability management strategies in place to mitigate margin compression.
Liquidity remains strong, with $730 million available, representing 277% of uninsured and uncollateralized deposits.
Interest rate shocks of +300bp projected to decrease net interest income by 5% over one year; -200bp would increase it by 2%.
Economic value of equity is projected to be resilient, with a 6% increase under a +300bp rate shock.
Explain the increase in special mention loans.
What drove the increase in PPNR?
Detail the rationale for redeeming subordinated debentures.
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Next Citizens Community Bancorp earnings date
Q3 202527 Oct, 2025
Next Citizens Community Bancorp earnings date
Q3 202527 Oct, 2025
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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.
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