Citizens Community Bancorp (CZWI) Q3 2026 earnings summary

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.