Citizens Community Bancorp, Inc. reported a net income of $14.42 million for the fiscal year ending December 31, 2025, reflecting an increase from $13.75 million in the previous year. This translates to diluted earnings per share of $1.46, up from $1.34 in 2024. The company's total assets grew to approximately $1.782 billion, with total deposits rising to $1.524 billion, marking a $36 million increase from the prior year. The net interest income also saw a rise, reaching $51.2 million compared to $46.5 million in 2024, primarily driven by lower liability costs and higher asset yields.
The fiscal year 2025 saw significant operational changes, including a strategic focus on balance sheet optimization, which led to a reduction in non-strategic loan relationships. Total loans outstanding decreased to $1.34 billion, down from $1.37 billion in 2024. The company recorded a provision for credit losses of $1.95 million, a shift from a negative provision of $3.175 million in the previous year, indicating a more cautious approach to credit risk management amid changing economic conditions.
Citizens Community Bancorp continued to expand its market presence, operating 21 full-service branches across Wisconsin and Minnesota. The company reported a total employee count of 238 as of March 5, 2026, with no unionized employees. The bank's customer base remains stable, with a diversified loan portfolio primarily concentrated in commercial and agricultural real estate, which accounted for 51% of total loans as of December 31, 2025.
Looking ahead, the company anticipates continued growth and stability, although it acknowledges potential risks from economic fluctuations, interest rate changes, and competitive pressures in the financial services industry. The management remains focused on maintaining adequate capital levels and enhancing operational efficiencies to navigate these challenges effectively. The company is also committed to its acquisition growth strategy, although it recognizes the competitive landscape for potential acquisition targets.
About Citizens Community Bancorp Inc.
Citizens Community Bancorp, Inc. is a bank holding company that owns Citizens Community Federal N.A., a community bank serving Wisconsin and Minnesota. It offers commercial, agricultural, residential, and consumer banking services through 22 branches. The company focuses on small-business and individual customers, providing loans, deposit products, and investment securities, with core strengths in local market expertise, regulatory compliance, and community engagement.
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