Citizens Community Bancorp, Inc. (CZWI) reported third‑quarter 2025 earnings of $3.7 million, or $0.37 per diluted share, on September 30 2025. The quarter’s net interest income fell $0.1 million to $13.2 million, while the provision for credit losses dropped to $0.65 million from $1.35 million in Q2 2025. Non‑interest income rose $0.2 million to $3.0 million, and non‑interest expense increased $0.3 million to $11.1 million.
The company’s book value per share improved to $18.95, with tangible book value per share at $15.71. CZWI paid dividends equal to 2.44 % of the September 30 2024 tangible book value and repurchased 136,000 shares at an average price of $14.93. Share repurchase authorization remains in place for an additional 363,000 shares.
Capital and liquidity metrics were strong: the on‑balance‑sheet liquidity ratio rose to 13.4 % of total assets, and available liquidity reached $741 million, 267 % of uninsured deposits. The company also redeemed a $15 million, 6 % subordinated debt on August 29 2025, reducing future interest expense and strengthening its capital structure. Net loan recoveries of $51 k and a $7 million decrease in criticized assets offset a $3.4 million increase in substandard loans, supporting overall asset quality.
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