Citizens Community Bancorp, Inc. (CZWI): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Citizens Community Bancorp, Inc. (CZWI), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de un modelo de negocio meticulosamente elaborado. Al combinar el enfoque de la comunidad hiperlocal con tecnologías de banca digital de vanguardia, esta institución con sede en Wisconsin y Minnesota ofrece una propuesta de valor única que une la banca de relaciones personalizadas con soluciones financieras innovadoras. Desde sus segmentos de clientes específicos hasta sus flujos de ingresos diversificados, CZWI demuestra cómo un banco impulsado por la comunidad puede prosperar en el panorama financiero competitivo de hoy al mantenerse ágil, receptivo y profundamente conectado con los ecosistemas económicos locales.

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocios: asociaciones clave

Pequeñas empresas locales y empresas comerciales

A partir del cuarto trimestre de 2023, Citizens Community Bancorp mantiene relaciones de asociación con aproximadamente 287 pequeñas empresas locales en Wisconsin y Minnesota. Cartera total de préstamos comerciales para estas asociaciones: $ 124.3 millones.

Categoría de asociación	Número de asociaciones	Valor total del préstamo
Negocios minoristas	126	$ 52.7 millones
Sector de servicios	94	$ 41.6 millones
Fabricación	67	$ 30.0 millones

Desarrolladores de bienes raíces regionales y corredores de hipotecas

La red de asociación incluye 43 empresas regionales de desarrollo inmobiliario. Volumen total de préstamos inmobiliarios: $ 218.5 millones en 2023.

• Tamaño promedio del préstamo inmobiliario: $ 1.2 millones
• Asociaciones de corredor de hipotecas: 22 relaciones activas
• Cobertura geográfica: Wisconsin, Minnesota, Illinois

Redes de inversión comunitaria y organizaciones de desarrollo económico

Citizens Community Bancorp colabora con 17 organizaciones de desarrollo económico. Compromiso total de inversión comunitaria: $ 6.2 millones en 2023.

Tipo de organización	Número de asociaciones	Monto de la inversión
Consejos de desarrollo económico local	8	$ 2.7 millones
Redes económicas a nivel estatal	6	$ 2.1 millones
Organizaciones de reinversión comunitaria	3	$ 1.4 millones

Proveedores de servicios de tecnología para soluciones de banca digital

La cartera de asociaciones de tecnología incluye 5 proveedores de soluciones de banca digital primaria. Inversión tecnológica anual: $ 3.8 millones.

• Presupuesto de modernización de la plataforma digital: $ 1.5 millones
• Inversiones de asociación de ciberseguridad: $ 1.2 millones
• Asociaciones de tecnología de banca móvil: 3 proveedores activos

Proveedores de seguros y servicios financieros

Asociaciones de seguros y servicios financieros con un total de 12 relaciones estratégicas. Generación de ingresos de servicio cruzado: $ 4.6 millones en 2023.

Categoría de servicio	Número de socios	Generación de ingresos
Proveedores de seguros	7	$ 2.3 millones
Servicios de asesoramiento financiero	5	$ 2.3 millones

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocios: actividades clave

Proporcionar servicios bancarios tradicionales a las comunidades locales

A partir del cuarto trimestre de 2023, Citizens Community Bancorp opera 26 lugares bancarios en Wisconsin y Minnesota. Los activos totales informados fueron de $ 2.1 mil millones.

Categoría de servicio	Número de ubicaciones	Cobertura geográfica
Sucursales de bancos comunitarios	26	Wisconsin y Minnesota

Préstamos comerciales y de consumo

Desglose de la cartera de préstamos al 31 de diciembre de 2023:

Categoría de préstamo	Saldo total del préstamo	Porcentaje de cartera
Inmobiliario comercial	$ 1.2 mil millones	54.5%
Comercial & Industrial	$ 380 millones	17.2%
Hipoteca residencial	$ 420 millones	19.1%
Préstamos al consumo	$ 210 millones	9.5%

Gestión de productos de depósito e inversión

Depositar la mezcla de productos a partir del cuarto trimestre 2023:

• Depósitos totales: $ 1.8 mil millones
• Depósitos sin intereses: $ 320 millones
• Verificación de intereses: $ 540 millones
• Cuentas de ahorro: $ 420 millones
• Certificados de depósito: $ 520 millones

Desarrollo y mantenimiento de la plataforma de banca digital

Inversiones y métricas de banca digital:

Servicio digital	Tasa de adopción de usuarios	Inversión tecnológica anual
Banca móvil	68%	$ 2.4 millones
Banca en línea	82%	$ 1.8 millones
Apertura de cuenta digital	45%	$ 1.2 millones

Gestión de riesgos y monitoreo de cumplimiento

Cumplimiento y gasto de gestión de riesgos:

• Presupuesto total del departamento de cumplimiento: $ 3.6 millones
• Personal de cumplimiento a tiempo completo: 22 empleados
• Costos de examen regulatorio anual: $ 450,000
• Inversión de ciberseguridad: $ 1.7 millones

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocios: recursos clave

Fuerte presencia del mercado local

A partir del cuarto trimestre de 2023, Citizens Community Bancorp opera 29 ubicaciones bancarias En Wisconsin y Minnesota, con activos totales de $ 2.34 mil millones.

Segmento geográfico	Número de ramas	Cobertura del mercado
Wisconsin	22	Principalmente región del medio oeste
Minnesota	7	Mercados del noroeste

Experiencia del equipo de gestión

La composición de liderazgo incluye 6 altos funcionarios ejecutivos con experiencia bancaria acumulativa de 87 años.

• Promedio de tenencia ejecutiva: 14.5 años
• Fondo bancario regional especializado
• Comprensión profunda de la dinámica del mercado local

Tecnología de banca digital

Inversión en infraestructura tecnológica: $ 3.2 millones en 2023 para plataformas digitales.

Servicio digital	Tasa de adopción de usuarios
Banca móvil	62%
Banca en línea	78%

Diversificación de cartera de préstamos

Portafolio de préstamos totales: $ 1.87 mil millones al 31 de diciembre de 2023.

Categoría de préstamo	Valor de cartera	Porcentaje
Préstamos comerciales	$ 1.12 mil millones	60%
Préstamos al consumo	$ 750 millones	40%

Reservas financieras

Capital y métricas de reservas financieras:

• Equidad total: $ 221.5 millones
• Relación de capital de nivel 1: 12.7%
• Relación total de capital basado en el riesgo: 14.2%

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, Citizens Community Bancorp sirve 11 condados en Wisconsin con una base de activos totales de $ 1.24 mil millones. El banco mantiene 21 ubicaciones de banca de servicio completo específicamente que se dirigen a las necesidades financieras de la comunidad local.

Categoría de servicio	Penetración del mercado local	Segmentos de clientes
Banca personal	87% de cobertura del mercado local	Pequeñas empresas, individuos, empresas agrícolas
Banca comercial	72% Base de clientes comerciales locales	Empresas pequeñas a medianas

Tasas de interés competitivas sobre préstamos y depósitos

Cartera de préstamos actual al 31 de diciembre de 2023:

• Préstamos inmobiliarios comerciales: $ 612.3 millones
• Préstamos hipotecarios residenciales: $ 287.5 millones
• Préstamos al consumidor: $ 94.2 millones

Tipo de préstamo	Tasa de interés promedio
Inmobiliario comercial	6.75%
Hipoteca residencial	6.25%
Préstamos al consumo	7.15%

Enfoque bancario impulsado por la relación

Tasa de retención del cliente: 93.4% a partir de 2023, con una duración promedio de la relación con el cliente de 7.2 años.

Decisiones de préstamo rápidas y flexibles

Métricas de decisión de préstamo:

• Tiempo promedio de aprobación del préstamo: 2.3 días hábiles
• Tasa de aprobación de préstamos para pequeñas empresas: 68%
• Flexibilidad de modificación del préstamo: 42% de los préstamos comerciales

Canales bancarios digitales y tradicionales completos

Estadísticas de la plataforma de banca digital:

• Usuarios bancarios en línea: 65% de la base total de clientes
• Descargas de aplicaciones de banca móvil: 42,500
• Volumen de transacción digital: $ 287 millones por trimestre

Canal	Porcentaje de uso	Volumen de transacción
Rama banca	35%	$ 194 millones/trimestre
Banca en línea	45%	$ 287 millones/trimestre
Banca móvil	20%	$ 126 millones/trimestre

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Citizens Community Bancorp brinda servicio al cliente personalizado en 25 ubicaciones de sucursales en Wisconsin y Minnesota. Tiempo promedio de interacción del cliente por sesión de servicio: 17.4 minutos.

Métrica de servicio al cliente	Valor
Calificación promedio de satisfacción del cliente	4.3/5
Tasa de retención de clientes	87.6%
Horario anual de servicio al cliente	42,560 horas

Gestión de relaciones centrada en la comunidad

Métricas de participación comunitaria para 2023:

• Inversión de la comunidad local: $ 1.2 millones
• Número de eventos comunitarios patrocinados: 42
• Asociaciones comerciales locales: 86

Opciones de interacción bancaria digital y en persona

Canal bancario	Porcentaje de uso
Banca móvil	62%
Banca en línea	48%
Servicios en la rama	35%
Transacciones de cajero automático	22%

Soporte de asesoramiento financiero regular

Desglose de servicios de asesoramiento financiero:

• Asesores financieros totales: 34
• Tamaño promedio de la cartera de clientes: $ 1.7 millones
• Consultas de asesoramiento anual por cliente: 3.2

Soluciones financieras a medida

Segmento de clientes	Número de productos personalizados
Clientes de pequeñas empresas	47 productos de préstamos especializados
Clientes bancarios personales	29 tipos de cuentas únicos
Clientes del sector agrícola	18 soluciones financieras específicas del sector

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2024, Citizens Community Bancorp mantiene 23 ubicaciones de ramas físicas en Wisconsin y Minnesota.

Estado	Número de ramas
Wisconsin	18
Minnesota	5

Plataforma bancaria en línea

La plataforma digital del banco ofrece servicios bancarios en línea completos con las siguientes características:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Historial de transacciones

Aplicación de banca móvil

Plataforma	Descargar estadísticas
Apple App Store	12,500 descargas
Google Play Store	8,750 descargas

Servicios de banca telefónica

Atención al cliente 24/7 disponible con centro de llamadas dedicado que maneja un promedio de 1.250 interacciones de clientes diariamente.

Red de cajeros automáticos

Tipo de red	Número de cajeros automáticos
Cajeros automáticos	35
ATM de red compartidos	150+

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocios: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, Citizens Community Bancorp atiende a aproximadamente 3.750 clientes comerciales locales pequeños a medianos en Wisconsin y Minnesota. Cartera total de préstamos comerciales para este segmento: $ 287.4 millones.

Segmento de negocios	Número de clientes	Valor total del préstamo
Negocios minoristas	1,245	$ 92.6 millones
Empresas de servicios	1,675	$ 124.3 millones
Servicios profesionales	830	$ 70.5 millones

Consumidores individuales en los mercados regionales

CLIENTES DE BANCA DEL CONSUMIDOR: 42,650 al 31 de diciembre de 2023. Desglose de productos bancarios personales:

• Cuentas corrientes personales: 28,400
• Cuentas de ahorro personal: 22,750
• Préstamos hipotecarios personales: 3.650
• Préstamos para automóviles personales: 5,600

Inversores inmobiliarios comerciales

Cartera de préstamos inmobiliarios comerciales: $ 412.6 millones. Número total de clientes de inversores inmobiliarios comerciales: 685.

Tipo de propiedad	Número de inversores	Valor de préstamo
Carcasa multifamiliar	276	$ 187.3 millones
Espacios minoristas	224	$ 142.5 millones
Edificios de oficinas	185	$ 82.8 millones

Organizaciones locales sin fines de lucro

Clientes bancarios sin fines de lucro: 215. Valor de relación bancaria sin fines de lucro total: $ 24.7 millones.

Empresas agrícolas y agrícolas

Portafolio de préstamos agrícolas: $ 156.3 millones. Total de clientes agrícolas: 1.275.

Sector agrícola	Número de clientes	Valor de préstamo
Agricultura de lácteos	625	$ 78.4 millones
Cultivo de cultivos	412	$ 52.6 millones
Agricultura de ganado	238	$ 25.3 millones

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir del informe anual de 2023, Citizens Community Bancorp informó gastos operativos totales de la sucursal de $ 8.3 millones, que incluye:

Categoría de gastos	Monto ($)
Costos de ocupación	3,450,000
Utilidades	1,250,000
Mantenimiento	1,100,000
Seguridad de la rama	650,000
Otros gastos operativos	1,850,000

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2023 totalizaron $ 5.7 millones, desglosados ​​de la siguiente manera:

• Mantenimiento de sistemas de TI: $ 2,300,000
• Inversiones de ciberseguridad: $ 1,800,000
• Plataforma de banca digital: $ 1,200,000
• Licencias de software: $ 400,000

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue de $ 22.6 millones:

Categoría de compensación	Monto ($)
Salarios base	16,500,000
Bonificaciones	2,750,000
Seguro médico	1,850,000
Beneficios de jubilación	1,500,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 ascendieron a $ 3.2 millones:

• Personal legal y de cumplimiento: $ 1,400,000
• Sistemas de informes regulatorios: $ 850,000
• Tarifas de auditoría externa: $ 550,000
• Capacitación de cumplimiento: $ 400,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 fueron de $ 2.9 millones:

Canal de marketing	Monto ($)
Marketing digital	1,200,000
Publicidad tradicional	850,000
Eventos comunitarios	450,000
Programas de referencia de clientes	400,000

Citizens Community Bancorp, Inc. (CZWI) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del tercer trimestre de 2023, Citizens Community Bancorp informó ingresos por intereses totales de $ 27.8 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Ingresos por intereses
Inmobiliario comercial	$ 612.3 millones	$ 15.4 millones
Inmobiliario residencial	$ 287.6 millones	$ 7.2 millones
Préstamos comerciales	$ 214.5 millones	$ 5.2 millones

Servicios bancarios basados ​​en tarifas

Los ingresos de tarifas para 2023 totalizaron $ 4.9 millones, con el siguiente desglose del servicio:

• Tarifas de mantenimiento de la cuenta: $ 1.6 millones
• Tarifas de sobregiro: $ 1.2 millones
• Tarifas de transacción de cajeros automáticos: $ 0.7 millones
• Tasas de transferencia de cables: $ 0.4 millones

Comisiones de productos de inversión

Los servicios de inversión generaron $ 2.3 millones en comisiones para el año fiscal 2023, con fuentes clave que incluyen:

Producto de inversión	Ingresos por comisión
Fondos mutuos	$ 1.1 millones
Servicios de cuentas de jubilación	$ 0.8 millones
Servicios de corretaje	$ 0.4 millones

Servicios de gestión del tesoro

Los ingresos por gestión del Tesoro para 2023 alcanzaron $ 1.7 millones, con servicios que incluyen:

• Soluciones de gestión de efectivo: $ 0.9 millones
• Servicios comerciales: $ 0.5 millones
• Servicios de Lockbox: $ 0.3 millones

Tarifas de origen y procesamiento de la hipoteca

Las tarifas relacionadas con la hipoteca para 2023 totalizaron $ 3.5 millones, con la siguiente distribución:

Servicio hipotecario	Ingresos por tarifas
Tarifas de origen de la hipoteca	$ 2.4 millones
Tarifas de procesamiento de hipotecas	$ 1.1 millones

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.