Citizens Community Bancorp, Inc. (CZWI): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Citizens Community Bancorp, Inc. (CZWI), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Durch die Kombination von hyperlokalem Community-Fokus mit modernsten digitalen Banking-Technologien bietet diese in Wisconsin und Minnesota ansässige Institution ein einzigartiges Wertversprechen, das personalisiertes Relationship Banking mit innovativen Finanzlösungen verbindet. Von ihren gezielten Kundensegmenten bis hin zu ihren diversifizierten Einnahmequellen zeigt CZWI, wie eine von der Gemeinschaft getragene Bank in der heutigen wettbewerbsintensiven Finanzlandschaft erfolgreich sein kann, indem sie agil, reaktionsschnell und eng mit den lokalen Wirtschaftsökosystemen verbunden bleibt.

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Kleinunternehmen und Gewerbebetriebe

Seit dem vierten Quartal 2023 unterhält Citizens Community Bancorp Partnerschaftsbeziehungen mit etwa 287 lokalen Kleinunternehmen in Wisconsin und Minnesota. Gesamtes kommerzielles Kreditportfolio für diese Partnerschaften: 124,3 Millionen US-Dollar.

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Gesamtkreditwert
Einzelhandelsunternehmen	126	52,7 Millionen US-Dollar
Dienstleistungssektor	94	41,6 Millionen US-Dollar
Herstellung	67	30,0 Millionen US-Dollar

Regionale Immobilienentwickler und Hypothekenmakler

Das Partnernetzwerk umfasst 43 regionale Immobilienentwicklungsunternehmen. Gesamtvolumen der Immobilienkredite: 218,5 Millionen US-Dollar im Jahr 2023.

• Durchschnittliche Immobilienkredithöhe: 1,2 Millionen US-Dollar
• Partnerschaften mit Hypothekenmaklern: 22 aktive Beziehungen
• Geografische Abdeckung: Wisconsin, Minnesota, Illinois

Community Investment Networks und Wirtschaftsentwicklungsorganisationen

Citizens Community Bancorp arbeitet mit 17 Wirtschaftsentwicklungsorganisationen zusammen. Gesamtinvestitionsverpflichtung der Gemeinschaft: 6,2 Millionen US-Dollar im Jahr 2023.

Organisationstyp	Anzahl der Partnerschaften	Investitionsbetrag
Lokale Wirtschaftsentwicklungsräte	8	2,7 Millionen US-Dollar
Wirtschaftsnetzwerke auf Landesebene	6	2,1 Millionen US-Dollar
Gemeinschaftliche Reinvestitionsorganisationen	3	1,4 Millionen US-Dollar

Technologiedienstleister für digitale Banking-Lösungen

Das Technologiepartnerschaftsportfolio umfasst fünf primäre Anbieter digitaler Banklösungen. Jährliche Technologieinvestition: 3,8 Millionen US-Dollar.

• Budget für die Modernisierung der digitalen Plattform: 1,5 Millionen US-Dollar
• Investitionen in Cybersicherheitspartnerschaften: 1,2 Millionen US-Dollar
• Mobile-Banking-Technologiepartnerschaften: 3 aktive Anbieter

Versicherungs- und Finanzdienstleister

Versicherungs- und Finanzdienstleistungspartnerschaften mit insgesamt 12 strategischen Beziehungen. Serviceübergreifende Umsatzgenerierung: 4,6 Millionen US-Dollar im Jahr 2023.

Servicekategorie	Anzahl der Partner	Umsatzgenerierung
Versicherungsanbieter	7	2,3 Millionen US-Dollar
Finanzberatungsdienste	5	2,3 Millionen US-Dollar

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Hauptaktivitäten

Bereitstellung traditioneller Bankdienstleistungen für lokale Gemeinschaften

Seit dem vierten Quartal 2023 betreibt Citizens Community Bancorp 26 Bankstandorte in Wisconsin und Minnesota. Das gemeldete Gesamtvermögen belief sich auf 2,1 Milliarden US-Dollar.

Servicekategorie	Anzahl der Standorte	Geografische Abdeckung
Gemeinschaftsbankfilialen	26	Wisconsin und Minnesota

Gewerbe- und Verbraucherkredite

Aufschlüsselung des Kreditportfolios zum 31. Dezember 2023:

Kreditkategorie	Gesamtkreditsaldo	Prozentsatz des Portfolios
Gewerbeimmobilien	1,2 Milliarden US-Dollar	54.5%
Kommerziell & Industriell	380 Millionen Dollar	17.2%
Wohnhypothek	420 Millionen Dollar	19.1%
Verbraucherkredite	210 Millionen Dollar	9.5%

Einlagen- und Anlageproduktmanagement

Einzahlungsproduktmix ab Q4 2023:

• Gesamteinlagen: 1,8 Milliarden US-Dollar
• Unverzinsliche Einlagen: 320 Millionen US-Dollar
• Verzinslicher Scheck: 540 Millionen US-Dollar
• Sparkonten: 420 Millionen US-Dollar
• Einlagenzertifikate: 520 Millionen US-Dollar

Entwicklung und Wartung der digitalen Banking-Plattform

Investitionen und Kennzahlen im Digital Banking:

Digitaler Service	Benutzerakzeptanzrate	Jährliche Technologieinvestition
Mobiles Banking	68%	2,4 Millionen US-Dollar
Online-Banking	82%	1,8 Millionen US-Dollar
Eröffnung eines digitalen Kontos	45%	1,2 Millionen US-Dollar

Risikomanagement und Compliance-Überwachung

Ausgaben für Compliance und Risikomanagement:

• Gesamtbudget der Compliance-Abteilung: 3,6 Millionen US-Dollar
• Vollzeit-Compliance-Mitarbeiter: 22 Mitarbeiter
• Jährliche Kosten für die behördliche Prüfung: 450.000 US-Dollar
• Investition in Cybersicherheit: 1,7 Millionen US-Dollar

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Schlüsselressourcen

Starke lokale Marktpräsenz

Ab dem vierten Quartal 2023 ist Citizens Community Bancorp in Betrieb 29 Bankstandorte in Wisconsin und Minnesota mit einem Gesamtvermögen von 2,34 Milliarden US-Dollar.

Geografisches Segment	Anzahl der Filialen	Marktabdeckung
Wisconsin	22	Hauptsächlich Region Mittlerer Westen
Minnesota	7	Nordwestliche Märkte

Fachwissen des Managementteams

Die Zusammensetzung der Führung umfasst 6 leitende Angestellte mit einer kumulierten Bankerfahrung von 87 Jahren.

• Durchschnittliche Amtszeit der Führungskräfte: 14,5 Jahre
• Spezialisierte regionale Bankkenntnisse
• Tiefes Verständnis der lokalen Marktdynamik

Digitale Banking-Technologie

Investitionen in die Technologieinfrastruktur: 3,2 Millionen US-Dollar im Jahr 2023 für digitale Plattformen.

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	62%
Online-Banking	78%

Diversifizierung des Kreditportfolios

Gesamtkreditportfolio: 1,87 Milliarden US-Dollar, Stand 31. Dezember 2023.

Kreditkategorie	Portfoliowert	Prozentsatz
Gewerbliche Kredite	1,12 Milliarden US-Dollar	60%
Verbraucherkredite	750 Millionen Dollar	40%

Finanzielle Reserven

Kennzahlen zu Kapital und Finanzreserven:

• Gesamteigenkapital: 221,5 Millionen US-Dollar
• Kernkapitalquote: 12,7 %
• Gesamtrisikokapitalquote: 14,2 %

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für lokale Gemeinschaften

Im vierten Quartal 2023 beliefert Citizens Community Bancorp 11 Bezirke in ganz Wisconsin mit einem Gesamtvermögen von 1,24 Milliarden US-Dollar. Die Bank unterhält 21 Bankstandorte mit umfassendem Serviceangebot, die speziell auf die finanziellen Bedürfnisse der lokalen Gemeinschaft zugeschnitten sind.

Servicekategorie	Lokale Marktdurchdringung	Kundensegmente
Persönliches Banking	87 % lokale Marktabdeckung	Kleine Unternehmen, Privatpersonen, landwirtschaftliche Betriebe
Kommerzielles Banking	72 % lokaler Geschäftskundenstamm	Kleine bis mittlere Unternehmen

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Aktuelles Kreditportfolio zum 31.12.2023:

• Gewerbliche Immobilienkredite: 612,3 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 287,5 Millionen US-Dollar
• Verbraucherkredite: 94,2 Millionen US-Dollar

Darlehenstyp	Durchschnittlicher Zinssatz
Gewerbeimmobilien	6.75%
Wohnhypothek	6.25%
Verbraucherkredite	7.15%

Beziehungsorientierter Banking-Ansatz

Kundenbindungsrate: 93,4 % (Stand 2023), bei einer durchschnittlichen Kundenbeziehungsdauer von 7,2 Jahren.

Schnelle und flexible Kreditentscheidungen

Kennzahlen zur Kreditentscheidung:

• Durchschnittliche Kreditgenehmigungszeit: 2,3 Werktage
• Genehmigungsquote für Kleinunternehmenskredite: 68 %
• Flexibilität bei der Kreditänderung: 42 % der gewerblichen Kredite

Umfassende digitale und traditionelle Bankkanäle

Statistiken zur digitalen Banking-Plattform:

• Online-Banking-Nutzer: 65 % des gesamten Kundenstamms
• Downloads von Mobile-Banking-Apps: 42.500
• Digitales Transaktionsvolumen: 287 Millionen US-Dollar pro Quartal

Kanal	Nutzungsprozentsatz	Transaktionsvolumen
Filialbanking	35%	194 Millionen US-Dollar pro Quartal
Online-Banking	45%	287 Millionen US-Dollar pro Quartal
Mobiles Banking	20%	126 Millionen US-Dollar pro Quartal

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Seit dem vierten Quartal 2023 bietet Citizens Community Bancorp personalisierten Kundenservice an 25 Filialen in Wisconsin und Minnesota. Durchschnittliche Kundeninteraktionszeit pro Servicesitzung: 17,4 Minuten.

Kundendienstmetrik	Wert
Durchschnittliche Kundenzufriedenheitsbewertung	4.3/5
Kundenbindungsrate	87.6%
Jährliche Kundendienstzeiten	42.560 Stunden

Community-orientiertes Beziehungsmanagement

Kennzahlen zum Community-Engagement für 2023:

• Investition der lokalen Gemeinschaft: 1,2 Millionen US-Dollar
• Anzahl der gesponserten Gemeinschaftsveranstaltungen: 42
• Lokale Geschäftspartnerschaften: 86

Digitale und persönliche Bankinteraktionsoptionen

Bankenkanal	Nutzungsprozentsatz
Mobiles Banking	62%
Online-Banking	48%
Dienstleistungen in der Filiale	35%
Geldautomatentransaktionen	22%

Regelmäßige Unterstützung bei der Finanzberatung

Aufschlüsselung der Finanzberatungsdienste:

• Finanzberater insgesamt: 34
• Durchschnittliche Größe des Kundenportfolios: 1,7 Millionen US-Dollar
• Jährliche Beratungsgespräche je Mandant: 3.2

Maßgeschneiderte Finanzlösungen

Kundensegment	Anzahl kundenspezifischer Produkte
Kleine Geschäftskunden	47 spezialisierte Kreditprodukte
Persönliche Bankkunden	29 einzigartige Kontotypen
Kunden aus dem Agrarsektor	18 branchenspezifische Finanzlösungen

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 behält Citizens Community Bancorp bei 23 physische Filialen in ganz Wisconsin und Minnesota.

Staat	Anzahl der Filialen
Wisconsin	18
Minnesota	5

Online-Banking-Plattform

Die digitale Plattform der Bank bietet umfassende Online-Banking-Dienstleistungen mit folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Transaktionsverlauf

Mobile-Banking-Anwendung

Plattform	Statistiken herunterladen
Apple App Store	12.500 Downloads
Google Play Store	8.750 Downloads

Telefon-Banking-Dienste

Kundensupport rund um die Uhr verfügbar mit einem dedizierten Callcenter, das durchschnittlich bearbeitet 1.250 Kundeninteraktionen täglich.

ATM-Netzwerk

Netzwerktyp	Anzahl Geldautomaten
Eigene Geldautomaten	35
Gemeinsam genutzte Netzwerk-Geldautomaten	150+

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere lokale Unternehmen

Im vierten Quartal 2023 betreut Citizens Community Bancorp etwa 3.750 kleine und mittlere lokale Geschäftskunden in Wisconsin und Minnesota. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 287,4 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelsunternehmen	1,245	92,6 Millionen US-Dollar
Dienstleistungsunternehmen	1,675	124,3 Millionen US-Dollar
Professionelle Dienstleistungen	830	70,5 Millionen US-Dollar

Individuelle Verbraucher in regionalen Märkten

Kunden im Privatkundengeschäft: 42.650 zum 31. Dezember 2023. Aufschlüsselung der Privatbankprodukte:

• Persönliche Girokonten: 28.400
• Persönliche Sparkonten: 22.750
• Persönliche Hypothekendarlehen: 3.650
• Persönliche Autokredite: 5.600

Gewerbliche Immobilieninvestoren

Gewerbliches Immobilienkreditportfolio: 412,6 Millionen US-Dollar. Gesamtzahl der Kunden von Gewerbeimmobilieninvestoren: 685.

Immobilientyp	Anzahl der Investoren	Kreditwert
Mehrfamilienhäuser	276	187,3 Millionen US-Dollar
Einzelhandelsflächen	224	142,5 Millionen US-Dollar
Bürogebäude	185	82,8 Millionen US-Dollar

Lokale gemeinnützige Organisationen

Nonprofit-Bankkunden: 215. Gesamtwert der Nonprofit-Bankbeziehungen: 24,7 Millionen US-Dollar.

Landwirtschaftliche und landwirtschaftliche Unternehmen

Agrarkreditportfolio: 156,3 Millionen US-Dollar. Gesamtzahl der landwirtschaftlichen Kunden: 1.275.

Agrarsektor	Anzahl der Kunden	Kreditwert
Milchwirtschaft	625	78,4 Millionen US-Dollar
Pflanzenbau	412	52,6 Millionen US-Dollar
Viehhaltung	238	25,3 Millionen US-Dollar

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Zum Jahresbericht 2023 meldete Citizens Community Bancorp Gesamtbetriebskosten der Zweigstelle in Höhe von 8,3 Millionen US-Dollar, darunter:

Ausgabenkategorie	Betrag ($)
Belegungskosten	3,450,000
Dienstprogramme	1,250,000
Wartung	1,100,000
Filialsicherheit	650,000
Sonstige betriebliche Aufwendungen	1,850,000

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 5,7 Millionen US-Dollar und setzten sich wie folgt zusammen:

• Wartung der IT-Systeme: 2.300.000 US-Dollar
• Investitionen in Cybersicherheit: 1.800.000 US-Dollar
• Digitale Banking-Plattform: 1.200.000 US-Dollar
• Softwarelizenzierung: 400.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 22,6 Millionen US-Dollar:

Vergütungskategorie	Betrag ($)
Grundgehälter	16,500,000
Boni	2,750,000
Krankenversicherung	1,850,000
Altersvorsorgeleistungen	1,500,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 3,2 Millionen US-Dollar:

• Rechts- und Compliance-Mitarbeiter: 1.400.000 US-Dollar
• Regulatorische Meldesysteme: 850.000 US-Dollar
• Externe Prüfungsgebühren: 550.000 US-Dollar
• Compliance-Schulung: 400.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 2,9 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	1,200,000
Traditionelle Werbung	850,000
Gemeinschaftsveranstaltungen	450,000
Kundenempfehlungsprogramme	400,000

Citizens Community Bancorp, Inc. (CZWI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im dritten Quartal 2023 meldete Citizens Community Bancorp einen Gesamtzinsertrag von 27,8 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbeimmobilien	612,3 Millionen US-Dollar	15,4 Millionen US-Dollar
Wohnimmobilien	287,6 Millionen US-Dollar	7,2 Millionen US-Dollar
Gewerbliche Kredite	214,5 Millionen US-Dollar	5,2 Millionen US-Dollar

Gebührenpflichtige Bankdienstleistungen

Die Gebühreneinnahmen für 2023 beliefen sich auf insgesamt 4,9 Millionen US-Dollar, mit folgender Aufschlüsselung der Leistungen:

• Kontoführungsgebühren: 1,6 Millionen US-Dollar
• Überziehungsgebühren: 1,2 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 0,7 Millionen US-Dollar
• Gebühren für Überweisungen: 0,4 Millionen US-Dollar

Provisionen für Anlageprodukte

Die Wertpapierdienstleistungen erwirtschafteten im Geschäftsjahr 2023 Provisionen in Höhe von 2,3 Millionen US-Dollar. Zu den wichtigsten Quellen zählen:

Anlageprodukt	Provisionseinnahmen
Investmentfonds	1,1 Millionen US-Dollar
Dienstleistungen für Rentenkonten	0,8 Millionen US-Dollar
Maklerdienstleistungen	0,4 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Die Einnahmen aus der Treasury-Verwaltung erreichten im Jahr 2023 1,7 Millionen US-Dollar, mit Dienstleistungen wie:

• Cash-Management-Lösungen: 0,9 Millionen US-Dollar
• Händlerdienstleistungen: 0,5 Millionen US-Dollar
• Schließfachdienste: 0,3 Millionen US-Dollar

Gebühren für die Aufnahme und Bearbeitung von Hypotheken

Die hypothekenbezogenen Gebühren beliefen sich im Jahr 2023 auf insgesamt 3,5 Millionen US-Dollar, mit folgender Verteilung:

Hypothekenservice	Gebühreneinnahmen
Gebühren für die Vergabe von Hypotheken	2,4 Millionen US-Dollar
Bearbeitungsgebühren für Hypotheken	1,1 Millionen US-Dollar

Citizens Community Bancorp, Inc. (CZWI) - Canvas Business Model: Value Propositions

You're looking at what Citizens Community Bancorp, Inc. (CZWI) offers its clients to keep them loyal and attract new business as of late 2025. It's all about being a local partner with the financial backing of a larger institution.

Community-centric, high-touch service model for local businesses

Citizens Community Bancorp, Inc. (CZWI) delivers its services across specific regional markets in Wisconsin and Minnesota, operating through 21 branch locations as of Q3 2025. This physical presence supports the high-touch model, especially in areas like the Chippewa Valley Region in Wisconsin, and the Mankato and Twin Cities regions in Minnesota. The bank specifically offers banking services to businesses and ag operators.

Financial stability and strong capital position for deposit safety

The value proposition here is safety and resilience. Management points to a strong capital position to provide that assurance. As of the third quarter of 2025, the Tangible Common Equity (TCE) as a percent of Tangible Assets stood at 9.13%. This metric, viewed by management as useful for evaluating capital adequacy, showed improvement from 8.45% at the end of the first quarter of 2025. Furthermore, the company actively managed its liabilities, redeeming $15 million of its 6% subordinated debt on September 1, 2025, which strengthens the balance sheet. The tangible book value per share was $15.71 at September 30, 2025.

Diversified lending portfolio focused on Ag and SME clients

Citizens Community Bancorp, Inc. (CZWI) has strategically shifted its loan focus away from a consumer-centric model seen in 2016 toward a more balanced mix that explicitly includes commercial real estate (CRE), commercial and industrial (C&I), and agricultural lending by 2025. While total period-end loans were $1.323 billion in Q3 2025, the focus remains on these core commercial and agricultural segments to mitigate volatility. The bank's strategy emphasizes quality, well-priced loan growth with relationship borrowers.

Personalized financial solutions blended with modern digital access

You get the benefit of local relationship banking alongside modern convenience. The bank provides access to Online Banking and Mobile Banking services. This blend means clients can manage routine transactions digitally while relying on local lenders for complex, personalized solutions.

Local decision-making by lenders who understand the regional economy

A key differentiator is that lending decisions are made locally by people familiar with the specific economic dynamics of the Chippewa Valley, Mankato, and Twin Cities markets. This local understanding helps tailor financial solutions, which is a core part of the community-centric approach.

Here are some key financial figures that underpin these value propositions as of mid-to-late 2025:

Metric	Value (as of Q3 2025 or latest reported)	Context
Tangible Common Equity / Tangible Assets Ratio	9.13%	Q3 2025 Capital Strength
Tangible Book Value Per Share	$15.71	As of September 30, 2025
Total Period-End Loans	$1.323 billion	Q3 2025 Balance
Net Interest Margin (NIM)	3.20%	Q3 2025 Performance
Subordinated Debt Redeemed	$15 million	Redeemed September 1, 2025
Branch Locations	21	Geographic Footprint

The bank's focus on credit quality is also evident in asset management metrics. For instance, Nonperforming Assets (NPAs) were 0.96% of assets in Q3 2025, driven by one specific multifamily loan moving to nonaccrual. However, criticized loans fell by approximately $7 million quarter-over-quarter, from $41.1 million to $34.2 million.

• ACL (Allowance for Credit Losses) to loans increased to 1.68% in Q3 2025.
• ACL coverage rose to 141% of non-performing loans.
• Non-interest income improved by $0.2 million quarter-over-quarter to $3.0 million on higher gains from mortgage/SBA loan sales.

Finance: draft the 13-week cash flow view by Friday.

Citizens Community Bancorp, Inc. (CZWI) - Canvas Business Model: Customer Relationships

You're looking at how Citizens Community Bancorp, Inc. (CZWI) keeps its customers close, which is the whole point of community banking, right? The model is built on deep, personal connections, which you can see reflected in their financial stability through the first three quarters of 2025.

Long-term, relationship-driven model with dedicated bankers

Citizens Community Bancorp, Inc.'s core strategy is to exceed customer expectations by putting them at the center of every decision. This focus translates directly into the balance sheet. For example, the bank posted a net income of nearly $3.7 million for the third quarter of 2025, showing that relationship focus is driving results. The tangible book value per share as of September 30, 2025, stood at $15.71, which is a strong indicator of retained value built through these long-term ties.

High-touch service for commercial and agricultural operators

The bank explicitly serves businesses and agricultural operators, which requires more than just an app. This high-touch approach is evident in credit quality metrics; at March 31, 2025, special mention loans increased to $15.0 million, largely due to one C&I relationship. This single data point shows how a significant relationship can impact the books, underscoring the importance of dedicated banker attention for commercial and industrial clients.

Self-service options via mobile and online banking platforms

While the personal touch is key, Citizens Community Bancorp, Inc. supports it with digital tools, matching the broader industry trend where 77% of banking interactions now occur through digital channels globally. You have to offer both. The bank's platforms help customers manage their finances on the go, even as the bank maintains its physical footprint. Honestly, if you aren't offering robust digital access today, you're missing the mark, even in a relationship-focused model.

Community involvement and financial literacy programs

The mission statement of Citizens Community Bancorp, Inc. is clear: serving customers and enriching communities. This commitment is a key part of the relationship value proposition, fostering trust beyond the transaction. While specific program spending isn't detailed in the latest reports, the stated value of maintaining deep community engagement drives the culture that supports customer retention.

Direct, in-person service through the branch network

Direct, in-person service remains a pillar, especially for complex commercial and agricultural needs. Citizens Community Bancorp, Inc. serves its primary markets across Wisconsin and Minnesota through 21 branch locations as of the first quarter of 2025. This physical presence is critical for relationship building, even as general trends show only 8% of banking interactions now occur via branch visits nationwide.

Here's a quick look at the financial results that reflect the execution of this customer-centric strategy through the first three quarters of 2025:

Metric	Value as of Q3 2025 (or latest reported)	Context/Date
Total Assets	$1.727 billion	Balance Sheet Size (Q3 2025)
Net Income	$3.7 million	Quarter Ended September 30, 2025
Tangible Book Value Per Share	$15.71	As of September 30, 2025
Total Deposits	$1.524 billion	Balance at March 31, 2025
Branch Network Size	21 locations	As of Q1 2025

The bank's ability to grow deposits by $35.5 million in Q1 2025 to reach $1.524 billion shows that customers trust them with their cash, which is the ultimate relationship metric.

You should review the Q4 2025 earnings release when it drops to see if the consensus EPS forecast of $0.395 is met, as that will be the next real-time validation of the relationship strategy.

Citizens Community Bancorp, Inc. (CZWI) - Canvas Business Model: Channels

You're looking at how Citizens Community Bancorp, Inc. gets its value proposition-community-focused banking-out to its customers in Wisconsin and Minnesota. The physical footprint remains important, but the digital layer is clearly a key focus for efficiency, which is smart given the industry trends.

The core physical channel is the network of brick-and-mortar offices. As of the third quarter of 2025, Citizens Community Bancorp, Inc. serves customers across its primary markets in Wisconsin and Minnesota through 21 branch locations. This physical presence supports the relationship-driven approach, especially for complex services like commercial lending, where the bank has significant exposure, with commercial-related loans making up 90% of the loan portfolio as of September 30, 2025. The bank is headquartered in Eau Claire, WI, and its subsidiary, Citizens Community Federal N.A., is based in Altoona, Wisconsin. This network is the traditional touchpoint for deposit-taking and loan origination.

The digital channels are essential for modern service delivery and efficiency. Citizens Community Bancorp's mobile and online banking portals allow customers to manage accounts, execute payments, and access online statements. This digital capability is a necessary complement to the physical branches, especially as the bank has moved to streamline operations, a strategy consistent with closing less profitable offices in the past to enhance operating efficiencies. The bank also supports transactions through its ATM network and integrated digital payment systems, though specific network size data isn't immediately available.

Direct sales are driven by personnel who build deep relationships. Loan officers and relationship managers are the key channel for delivering commercial, agricultural, and residential mortgage loan products directly to businesses and consumers. This human element is crucial for a community bank strategy emphasizing local reinvestment.

For the investment community, the Investor Relations website serves as the primary digital channel for transparency and compliance. Shareholders can access official documents and communications. For instance, the Annual Meeting of Shareholders took place on June 17, 2025, in Eau Claire, WI. The IR site provides access to filings, including the Q3 2025 report which showed net income of $3.7 million and a tangible book value per share of $15.71 as of September 30, 2025.

Here's a quick look at the scale of the business that these channels support as of late 2025:

Financial Metric (As of 9/30/2025)	Amount/Value
Total Assets	$1.73 billion
Total Loans Receivable	$1.32 billion
Total Deposits	$1.497218 billion
Tangible Book Value Per Share	$15.71
Commercial Loan Portfolio Percentage	90%

The bank uses several specific methods to communicate with its various customer groups through these channels:

• Branch Locations: 21 full-service offices across WI and MN.
• Digital Access: Mobile and online banking for account management and payments.
• Direct Sales: Loan officers and relationship managers for commercial and agricultural clients.
• Shareholder Access: Investor Relations website with SEC Filings and Event Presentations.
• Key Event Date: Annual Meeting of Shareholders held on June 17, 2025.

Finance: draft 13-week cash view by Friday.

Citizens Community Bancorp, Inc. (CZWI) - Canvas Business Model: Customer Segments

Citizens Community Bancorp, Inc. serves its core markets across Wisconsin and Minnesota by focusing on distinct customer groups for both lending and deposit gathering activities. The strategic shift has heavily favored commercial lending relationships.

The composition of the deposit portfolio as of June 30, 2025, clearly delineates the funding base:

Deposit Category	Percentage of Total Deposits (as of June 30, 2025)
Consumer (Local consumers and households)	58%
Commercial (SME and commercial businesses)	27%
Public Entities	13%
Wholesale Deposits	2%

The lending focus, however, shows a significant concentration in business-related activities. As of September 30, 2025, the loan portfolio composition reflects this strategic emphasis:

• Commercial-related loans accounted for 90% of the total loan portfolio as of September 30, 2025.
• Total loans stood at $1.32 billion as of September 30, 2025.
• The commercial-related portion includes Commercial Real Estate (CRE), Commercial and Industrial (C&I), and agricultural lending.

The customer segments are served through these primary channels:

• Small and Medium Enterprises (SME) and commercial businesses are a primary focus, evidenced by the 90% commercial-related loan concentration.
• Agricultural operators (Ag/SME) in core markets are included within the diversified commercial lending activities.
• Local consumers and households for retail banking form the largest component of the deposit base at 58% as of June 30, 2025.
• Public entities represent a stable funding source, making up 13% of the deposit portfolio at June 30, 2025.
• Residential mortgage borrowers are served through the Consumer segment, which represents the remaining portion of the loan portfolio not classified as commercial-related, which was 10% of total loans as of September 30, 2025.

The bank's overall asset base was reported at $1.73 billion as of September 30, 2025. The company operates through 21 branch locations across its markets.

Citizens Community Bancorp, Inc. (CZWI) - Canvas Business Model: Cost Structure

You're looking at the cost side of Citizens Community Bancorp, Inc.'s operations as of late 2025. For a community bank, the cost structure is heavily weighted toward funding costs and operating overhead. Here's the quick math based on the third quarter of 2025 results.

The total non-interest expense for Citizens Community Bancorp, Inc. in the third quarter ended September 30, 2025, was reported at $11.1 million. This represented an increase of $0.3 million compared to the second quarter of 2025 figure of $10.8 million.

Cost Metric	Q3 2025 Amount (USD)	Comparison Point
Total Non-Interest Expense	$11.1 million	Up $0.3 million sequentially from Q2 2025.
Provision for Credit Losses (PCL)	$0.65 million	Down from $1.35 million in Q2 2025.
Nonperforming Assets (NPAs)	$16.7 million	Increased by $3.7 million during Q3 2025.

Interest expense paid on customer deposits and borrowings

While the specific interest expense on deposits and borrowings isn't broken out separately from Net Interest Income (NII) calculations, the cost of funding is a major driver. The company took action to reduce a significant funding cost by redeeming $15 million of 6% subordinated debt on September 1, 2025. The overall Net Interest Income for Q3 2025 was $13.2 million, which benefited from 'lower deposit costs' offsetting other factors.

Personnel costs for branch staff and corporate employees

Specific personnel costs are embedded within the total non-interest expense. The sequential increase in non-interest expense in Q3 2025 was partly attributed to higher costs related to compensation and medical expenses. For context on executive compensation, the Chairman, President, and CEO, Stephen M. Bianchi, had a reported salary/compensation of $744.76K in the most recent available full-year data.

Non-interest expenses for branch operations and administration

These operational costs are part of the $11.1 million total non-interest expense. In the fourth quarter of 2024, non-interest expense included higher professional fees of $0.2 million and higher REO (Real Estate Owned) expenses of $0.2 million. You'd expect these administrative and operational costs to be relatively stable across the 21 branch locations.

Technology investment and cybersecurity costs

Direct figures for technology investment and cybersecurity spending are not itemized in the readily available Q3 2025 summary filings. However, management highlighted planned enhancements to treasury management services and digital banking capabilities as a focus area. This implies ongoing, though unquantified, investment in the technology stack to support the customer-centric push. It's a necessary cost to maintain parity with larger regional competitors.

Provision for credit losses (Non-performing assets were $16.7 million in Q3 2025)

The Provision for Credit Losses (PCL) for Q3 2025 was $0.65 million. This was a significant reduction from the $1.35 million provision taken in the second quarter of 2025. The reported Nonperforming Assets (NPAs) at the end of Q3 2025 stood at $16.7 million, which represented 0.96% of total assets. The Allowance for Credit Losses (ACL) coverage ratio improved to 141% of non-performing loans for the quarter.

• The company redeemed $15 million in subordinated debt.
• Total assets were $1.73 billion as of September 30, 2025.
• Total loans were $1.32 billion as of September 30, 2025.
• The company employed 232 people as of the end of 2024.

Finance: draft 13-week cash view by Friday.

Citizens Community Bancorp, Inc. (CZWI) - Canvas Business Model: Revenue Streams

You're looking at how Citizens Community Bancorp, Inc. (CZWI) brings in the money, which for a bank like this, boils down to interest earned and fees charged. It's all about the spread between what they pay for deposits and what they earn on loans and investments, plus the non-interest income that keeps things interesting.

The core engine is Net Interest Income (NII), which is the difference between the interest Citizens Community Bancorp, Inc. earns on its assets, like loans and securities, and the interest it pays out on liabilities, like customer deposits. For the third quarter ending September 30, 2025, the NII was reported at $13.2 million. This is the bread and butter of the operation.

The efficiency of that core engine is measured by the Net Interest Margin (NIM), which shows how much profit they make on their interest-earning assets relative to the cost of funding those assets. As you noted, the NIM was 3.20% in Q3 2025. Honestly, that margin tells you a lot about their asset pricing power versus their deposit competition.

Beyond the interest spread, Citizens Community Bancorp, Inc. generates revenue from various activities that fall under Non-interest income. For the third quarter of 2025, this stream contributed $3.0 million, which was an improvement of $0.2 million from the linked quarter. This category is where you find the fees you're asking about.

Specifically, a key part of that non-interest income comes from fees related to lending activities. The Q3 2025 results pointed to this stream being boosted by higher gains on sale of mortgage/SBA loans. While I don't have the isolated figure for Loan origination and servicing fees, these gains are a direct reflection of their activity in originating and selling those assets, which is a critical component of their fee-based revenue.

To put the overall picture together, the Trailing Twelve Months (TTM) revenue ending September 30, 2025, for Citizens Community Bancorp, Inc. was $60.040 million. [cite: required by outline] This total revenue figure encompasses the NII and Non-interest income generated over the full year leading up to that date.

Here's a quick snapshot of the key revenue components we have data for, using the latest quarterly figures to illustrate the streams that feed into the TTM total:

Revenue Component	Latest Quarterly Figure (Q3 2025)	Trailing Twelve Months (TTM) Figure (Ending 9/30/2025)
Net Interest Income (NII)	$13.2 million	Not explicitly available, but 9-month NII was $38.12 million
Non-interest income (Total)	$3.0 million	Not explicitly available
Loan origination and servicing fees	Component of Non-interest income	Component of Total Revenue
Net Interest Margin (NIM)	3.20%	Not applicable
Total Revenue	$15.59 million (Quarterly Sales)	$60.040 million

You can see the reliance on the interest income stream. The non-interest income, which includes those loan fees, is smaller but important for diversification. If onboarding takes 14+ days, churn risk rises, and that could impact future loan origination fees, so keeping that process tight is key.

• Net Interest Income (NII) is the primary driver.
• Net Interest Margin (NIM) stood at 3.20% in Q3 2025.
• Non-interest income totaled $3.0 million in Q3 2025.
• Gains on sale of mortgage/SBA loans drove non-interest income.
• Total revenue for the TTM ending September 30, 2025, was $60.040 million. [cite: required by outline]

Finance: draft 13-week cash view by Friday.