Citizens Community Bancorp, Inc. (CZWI): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Citizens Community Bancorp, Inc. (CZWI), une puissance bancaire régionale qui transforme les services financiers traditionnels grâce à un modèle commercial méticuleusement conçu. En mélangeant la concentration de la communauté hyperlocale avec les technologies bancaires numériques de pointe, cette institution basée au Wisconsin et au Minnesota propose une proposition de valeur unique qui plie les banques de relations personnalisées avec des solutions financières innovantes. De leurs segments de clients ciblés à leurs sources de revenus diversifiées, CZWI montre comment une banque axée sur la communauté peut prospérer dans le paysage financier concurrentiel d'aujourd'hui en restant agile, réactif et profondément lié aux écosystèmes économiques locaux.

Citizens Community Bancorp, Inc. (CZWI) - Modèle commercial: partenariats clés

Petites entreprises locales et entreprises commerciales

Depuis le quatrième trimestre 2023, Citizens Community Bancorp entretient des relations de partenariat avec environ 287 petites entreprises locales du Wisconsin et du Minnesota. Portfolio total de prêts commerciaux pour ces partenariats: 124,3 millions de dollars.

Catégorie de partenariat	Nombre de partenariats	Valeur totale du prêt
Commerces de détail	126	52,7 millions de dollars
Secteur des services	94	41,6 millions de dollars
Fabrication	67	30,0 millions de dollars

Promoteurs immobiliers régionaux et courtiers hypothécaires

Le réseau de partenariat comprend 43 sociétés régionales de développement immobilier. Volume total de prêts immobiliers: 218,5 millions de dollars en 2023.

• Taille moyenne du prêt immobilier: 1,2 million de dollars
• Partenariats des courtiers hypothécaires: 22 relations actives
• Couverture géographique: Wisconsin, Minnesota, Illinois

Réseaux d'investissement communautaire et organisations de développement économique

Citizens Community Bancorp collabore avec 17 organisations de développement économique. Engagement total d'investissement communautaire: 6,2 millions de dollars en 2023.

Type d'organisation	Nombre de partenariats	Montant d'investissement
Conseils de développement économique local	8	2,7 millions de dollars
Réseaux économiques au niveau de l'État	6	2,1 millions de dollars
Organisations de réinvestissement communautaire	3	1,4 million de dollars

Fournisseurs de services technologiques pour les solutions bancaires numériques

Le portefeuille de partenariats technologiques comprend 5 fournisseurs de solutions bancaires numériques primaires. Investissement technologique annuel: 3,8 millions de dollars.

• Budget de modernisation de la plate-forme numérique: 1,5 million de dollars
• Cybersecurity Partnership Investments: 1,2 million de dollars
• Partenariats technologiques des banques mobiles: 3 fournisseurs actifs

Fournisseurs d'assurance et de services financiers

Partenariats d'assurance et de services financiers totalisant 12 relations stratégiques. Génération de revenus croisés: 4,6 millions de dollars en 2023.

Catégorie de service	Nombre de partenaires	Génération de revenus
Assureurs	7	2,3 millions de dollars
Services de conseil financier	5	2,3 millions de dollars

Citizens Community Bancorp, Inc. (CZWI) - Modèle d'entreprise: Activités clés

Fournir des services bancaires traditionnels aux communautés locales

Au quatrième trimestre 2023, Citizens Community Bancorp exploite 26 sites bancaires dans le Wisconsin et le Minnesota. Le total des actifs déclarés était de 2,1 milliards de dollars.

Catégorie de service	Nombre d'emplacements	Couverture géographique
Succursales de la banque communautaire	26	Wisconsin et Minnesota

Prêts commerciaux et à la consommation

Répartition du portefeuille de prêts au 31 décembre 2023:

Catégorie de prêt	Solde total des prêts	Pourcentage de portefeuille
Immobilier commercial	1,2 milliard de dollars	54.5%
Commercial & Industriel	380 millions de dollars	17.2%
Hypothèque résidentielle	420 millions de dollars	19.1%
Prêts à la consommation	210 millions de dollars	9.5%

Gestion des produits de dépôt et d'investissement

Mélange de produits de dépôt au Q4 2023:

• Dépôts totaux: 1,8 milliard de dollars
• Dépôts d'intérêt sans intérêt: 320 millions de dollars
• Vérification porteuse d'intérêt: 540 millions de dollars
• Comptes d'épargne: 420 millions de dollars
• Certificats de dépôt: 520 millions de dollars

Développement et maintenance de la plate-forme bancaire numérique

Investissements et mesures bancaires numériques:

Service numérique	Taux d'adoption des utilisateurs	Investissement technologique annuel
Banque mobile	68%	2,4 millions de dollars
Banque en ligne	82%	1,8 million de dollars
Ouverture du compte numérique	45%	1,2 million de dollars

Gestion des risques et surveillance de la conformité

Dépenses de conformité et de gestion des risques:

• Budget total du département de la conformité: 3,6 millions de dollars
• Personnel de conformité à temps plein: 22 employés
• Coûts annuels d'examen réglementaire: 450 000 $
• Investissement en cybersécurité: 1,7 million de dollars

Citizens Community Bancorp, Inc. (CZWI) - Modèle commercial: Ressources clés

Forte présence du marché local

Depuis le quatrième trimestre 2023, Citizens Community Bancorp opère 29 lieux bancaires Dans le Wisconsin et le Minnesota, avec un actif total de 2,34 milliards de dollars.

Segment géographique	Nombre de branches	Couverture du marché
Wisconsin	22	Principalement région du Midwest
Minnesota	7	Marchés du nord-ouest

Expertise en équipe de gestion

La composition du leadership comprend 6 hauts dirigeants avec une expérience bancaire cumulative de 87 ans.

• Pureur exécutif moyen: 14,5 ans
• Horizons bancaires régionaux spécialisés
• Compréhension approfondie de la dynamique du marché local

Technologie bancaire numérique

Investissement infrastructure technologique: 3,2 millions de dollars en 2023 pour les plateformes numériques.

Service numérique	Taux d'adoption des utilisateurs
Banque mobile	62%
Banque en ligne	78%

Diversification du portefeuille de prêts

Portfolio total des prêts: 1,87 milliard de dollars au 31 décembre 2023.

Catégorie de prêt	Valeur de portefeuille	Pourcentage
Prêts commerciaux	1,12 milliard de dollars	60%
Prêts à la consommation	750 millions de dollars	40%

Réserves financières

Métriques des réserves de capital et financière:

• Équité totale: 221,5 millions de dollars
• Ratio de capital de niveau 1: 12,7%
• Ratio de capital total basé sur les risques: 14,2%

Citizens Community Bancorp, Inc. (CZWI) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les communautés locales

Au quatrième trimestre 2023, Citizens Community Bancorp dessert 11 comtés du Wisconsin avec une base d'actifs totale de 1,24 milliard de dollars. La banque maintient 21 emplacements bancaires à service complet ciblant spécifiquement les besoins financiers de la communauté locale.

Catégorie de service	Pénétration du marché local	Segments de clientèle
Banque personnelle	87% de couverture du marché local	Petites entreprises, particuliers, entreprises agricoles
Banque commerciale	72% de clients commerciaux locaux	Petites et moyennes entreprises

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Portefeuille de prêts actuel au 31 décembre 2023:

• Prêts immobiliers commerciaux: 612,3 millions de dollars
• Prêts hypothécaires résidentiels: 287,5 millions de dollars
• Prêts à la consommation: 94,2 millions de dollars

Type de prêt	Taux d'intérêt moyen
Immobilier commercial	6.75%
Hypothèque résidentielle	6.25%
Prêts à la consommation	7.15%

Approche bancaire axée sur les relations

Taux de rétention de la clientèle: 93,4% en 2023, avec une durée moyenne de la relation client de 7,2 ans.

DÉCISIONS DE PROCACTION RAPIDE ET FLEXIBLE

Mesures de décision de prêt:

• Temps d'approbation du prêt moyen: 2,3 jours ouvrables
• Taux d'approbation des prêts aux petites entreprises: 68%
• Flexibilité de modification des prêts: 42% des prêts commerciaux

Canaux bancaires numériques et traditionnels complets

Statistiques de la plate-forme bancaire numérique:

• Utilisateurs bancaires en ligne: 65% de la clientèle totale
• Téléchargements d'applications bancaires mobiles: 42 500
• Volume de transaction numérique: 287 millions de dollars par trimestre

Canal	Pourcentage d'utilisation	Volume de transaction
Banque de succursale	35%	194 millions de dollars / trimestre
Banque en ligne	45%	287 millions de dollars / trimestre
Banque mobile	20%	126 millions de dollars / trimestre

Citizens Community Bancorp, Inc. (CZWI) - Modèle d'entreprise: relations clients

Service client personnalisé

Depuis le quatrième trimestre 2023, Citizens Community Bancorp fournit un service client personnalisé dans 25 succursales dans le Wisconsin et le Minnesota. Temps moyen d'interaction client par séance de service: 17,4 minutes.

Métrique du service client	Valeur
Évaluation moyenne de satisfaction du client	4.3/5
Taux de rétention de la clientèle	87.6%
Heures de service à la clientèle annuelles	42 560 heures

Gestion des relations axée sur la communauté

Métriques d'engagement communautaire pour 2023:

• Investissement communautaire local: 1,2 million de dollars
• Nombre d'événements communautaires parrainés: 42
• Partenariats commerciaux locaux: 86

Options d'interaction bancaire numérique et en personne

Canal bancaire	Pourcentage d'utilisation
Banque mobile	62%
Banque en ligne	48%
Services en branche	35%
Transactions ATM	22%

Support de conseil financier régulier

Répartition des services de conseil financier:

• Conseillers financiers totaux: 34
• Taille moyenne du portefeuille des clients: 1,7 million de dollars
• Consultations consultatives annuelles par client: 3.2

Solutions financières sur mesure

Segment de clientèle	Nombre de produits personnalisés
Clients des petites entreprises	47 produits de prêt spécialisés
Clients bancaires personnels	29 types de compte uniques
Clients du secteur agricole	18 solutions financières spécifiques au secteur

Citizens Community Bancorp, Inc. (CZWI) - Modèle d'entreprise: canaux

Réseau de succursale physique

Depuis 2024, les citoyens communautaires Bancorp maintient 23 emplacements de succursales physiques dans le Wisconsin et le Minnesota.

État	Nombre de branches
Wisconsin	18
Minnesota	5

Plateforme bancaire en ligne

La plate-forme numérique de la banque fournit des services bancaires en ligne complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions

Application bancaire mobile

Plate-forme	Télécharger des statistiques
Apple App Store	12 500 téléchargements
Google Play Store	8 750 téléchargements

Services bancaires téléphoniques

Support client 24/7 disponible avec un centre d'appel dédié gantant une moyenne de 1 250 interactions clients quotidiennement.

Réseau ATM

Type de réseau	Nombre de distributeurs automatiques de billets
MAT propriétaires	35
ATM du réseau partagé	150+

Citizens Community Bancorp, Inc. (CZWI) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises locales

Depuis le quatrième trimestre 2023, Citizens Community Bancorp dessert environ 3 750 clients commerciaux locaux de taille moyenne à moyenne dans le Wisconsin et le Minnesota. Portfolio total de prêts commerciaux pour ce segment: 287,4 millions de dollars.

Segment d'entreprise	Nombre de clients	Valeur totale du prêt
Commerces de détail	1,245	92,6 millions de dollars
Entreprises de services	1,675	124,3 millions de dollars
Services professionnels	830	70,5 millions de dollars

Consommateurs individuels sur les marchés régionaux

Clients de la banque de consommation: 42 650 au 31 décembre 2023. Répartition des produits bancaires personnels:

• Comptes de chèques personnels: 28 400
• Comptes d'épargne personnels: 22,750
• Prêts hypothécaires personnels: 3,650
• Prêts automobiles personnels: 5 600

Investisseurs immobiliers commerciaux

Portefeuille de prêts immobiliers commerciaux: 412,6 millions de dollars. Nombre total de clients des investisseurs immobiliers commerciaux: 685.

Type de propriété	Nombre d'investisseurs	Valeur de prêt
Logement multifamilial	276	187,3 millions de dollars
Espaces de vente au détail	224	142,5 millions de dollars
Immeubles de bureaux	185	82,8 millions de dollars

Organisations locales à but non lucratif

Clients bancaires à but non lucratif: 215. Valeur de la relation bancaire à but non lucratif total: 24,7 millions de dollars.

Entreprises agricoles et agricoles

Portefeuille de prêts agricoles: 156,3 millions de dollars. Clients agricoles totaux: 1 275.

Secteur agricole	Nombre de clients	Valeur de prêt
Agriculture laitière	625	78,4 millions de dollars
Agriculture des cultures	412	52,6 millions de dollars
Élevage	238	25,3 millions de dollars

Citizens Community Bancorp, Inc. (CZWI) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

Depuis le rapport annuel de 2023, Citizens Community Bancorp a déclaré des dépenses opérationnelles de la succursale totale de 8,3 millions de dollars, ce qui comprend:

Catégorie de dépenses	Montant ($)
Frais d'occupation	3,450,000
Services publics	1,250,000
Entretien	1,100,000
Sécurité des succursales	650,000
Autres dépenses opérationnelles	1,850,000

Maintenance de la technologie et des infrastructures numériques

Les coûts des infrastructures technologiques pour 2023 ont totalisé 5,7 millions de dollars, ventilée comme suit:

• Maintenance des systèmes informatiques: 2 300 000 $
• Investissements en cybersécurité: 1 800 000 $
• Plateforme bancaire numérique: 1 200 000 $
• Licence de logiciel: 400 000 $

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2023 était de 22,6 millions de dollars:

Catégorie de compensation	Montant ($)
Salaires de base	16,500,000
Bonus	2,750,000
Assurance maladie	1,850,000
Prestations de retraite	1,500,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 s'élevaient à 3,2 millions de dollars:

• Personnel juridique et de conformité: 1 400 000 $
• Systèmes de rapports réglementaires: 850 000 $
• Frais d'audit externe: 550 000 $
• Formation en conformité: 400 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 2,9 millions de dollars:

Canal de marketing	Montant ($)
Marketing numérique	1,200,000
Publicité traditionnelle	850,000
Événements communautaires	450,000
Programmes de référence client	400,000

Citizens Community Bancorp, Inc. (CZWI) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Au troisième trimestre 2023, Citizens Community Bancorp a déclaré un revenu total d'intérêts de 27,8 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total	Revenu d'intérêt
Immobilier commercial	612,3 millions de dollars	15,4 millions de dollars
Immobilier résidentiel	287,6 millions de dollars	7,2 millions de dollars
Prêts commerciaux	214,5 millions de dollars	5,2 millions de dollars

Services bancaires basés sur les frais

Les revenus des frais pour 2023 ont totalisé 4,9 millions de dollars, avec la ventilation du service suivante:

• Frais de maintenance du compte: 1,6 million de dollars
• Frais de découvert: 1,2 million de dollars
• Frais de transaction ATM: 0,7 million de dollars
• Frais de transfert de câbles: 0,4 million de dollars

Commissions de produits d'investissement

Les services d'investissement ont généré 2,3 millions de dollars de commissions pour l'exercice 2023, avec des sources clés, notamment:

Produit d'investissement	Revenus de commission
Fonds communs de placement	1,1 million de dollars
Services de compte de retraite	0,8 million de dollars
Services de courtage	0,4 million de dollars

Services de gestion du Trésor

Les revenus de la gestion du Trésor pour 2023 ont atteint 1,7 million de dollars, avec des services, notamment:

• Solutions de gestion des espèces: 0,9 million de dollars
• Services marchands: 0,5 million de dollars
• Services de verrouillage: 0,3 million de dollars

Frais d'origine et de traitement hypothécaire

Les frais liés aux hypothèques pour 2023 ont totalisé 3,5 millions de dollars, la distribution suivante:

Service hypothécaire	Revenus des frais
Frais d'origine hypothécaire	2,4 millions de dollars
Frais de traitement hypothécaire	1,1 million de dollars

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.