Citizens Community Bancorp, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026 with the SEC on November 9, 2026, reporting third-quarter net income of $5.4 million and total assets of approximately $1.80 billion.

Key Highlights

  • Net income: $5,406 thousand for the three months ended September 30, 2026, compared with $3,682 thousand for the same period in 2025, according to the filing.
  • Diluted earnings per share: $0.56 for the third quarter of 2026, up from $0.37 in the third quarter of 2025, as reported in the filing.
  • Total assets: $1,795,657 thousand as of September 30, 2026, compared with $1,781,755 thousand at December 31, 2025.
  • Net interest income: $14,491 thousand for the three months ended September 30, 2026, versus $13,214 thousand in the prior-year quarter, before the provision for credit losses.
  • Provision for credit losses: $125 thousand in Q3 2026, reduced from $650 thousand in Q3 2025, per the filing.
  • Loans receivable: $1,388,878 thousand as of September 30, 2026, up from $1,340,325 thousand at December 31, 2025.
  • Shares outstanding: 9,554,443 shares of common stock outstanding as of November 9, 2026, as stated on the filing's cover page.

Citizens Community Bancorp Reports Higher Q3 2026 Earnings and Loan Growth

According to the quarterly report filed on NASDAQ:CZWI, Citizens Community Bancorp, Inc. recorded net income attributable to common stockholders of $5,406 thousand for the three months ended September 30, 2026, compared with $3,682 thousand for the three months ended September 30, 2025. For the nine months ended September 30, 2026, the company reported net income of $10,263 thousand, versus $10,149 thousand for the same nine-month period in 2025. Basic earnings per share were $0.56 for the quarter and $1.07 for the nine-month period, the filing disclosed.

The filing reported total interest and dividend income of $23,200 thousand for the three months ended September 30, 2026, up from $22,254 thousand in the prior-year quarter. Total interest expense fell to $8,709 thousand from $9,040 thousand over the same comparison, resulting in net interest income before provision for credit losses of $14,491 thousand. Total non-interest expense for the quarter was $10,636 thousand, compared with $11,051 thousand in Q3 2025. Data processing costs declined to $1,381 thousand in Q3 2026 from $1,811 thousand in Q3 2025, the filing noted.

On the balance sheet, total deposits stood at $1,536,692 thousand as of September 30, 2026, compared with $1,524,099 thousand at December 31, 2025. Total stockholders' equity was $190,741 thousand at September 30, 2026, up from $187,939 thousand at December 31, 2025. Accumulated other comprehensive loss widened to $(15,489) thousand from $(12,467) thousand over the same period, reflecting net unrealized losses on available-for-sale securities of $(3,022) thousand, net of tax, for the nine months ended September 30, 2026, according to the filing. The company reported cash dividends paid of $0.105 per share for the third quarter of 2026.

What Was Disclosed

Citizens Community Bancorp filed its unaudited 10-Q for the period ended September 30, 2026, disclosing quarterly net income of $5,406 thousand, diluted EPS of $0.56, total assets of $1,795,657 thousand, and loans receivable of $1,388,878 thousand, with 9,554,443 common shares outstanding as of November 9, 2026.