Overview

Citizens Community Bancorp, Inc. is the parent company for Citizens Community Federal N.A., offering community banking for Wisconsin and Minnesota. It provides checking and savings, commercial and real estate loans, agricultural loans, and mortgages and personal loans. It earns revenue by taking deposits and using them to issue loans and other credit products, charging interest and fees, and providing financial services to small- to mid-size businesses, farmers, and individuals with a local presence. Its goal is to support local communities by providing accessible banking and credit tailored to regional needs.

Simplify's Take

What believers are saying

• Hired Mike Britton as VP of commercial banking in Rice Lake.
• Merged with United Bank, adding $268.5 million in assets.
• Acquired Wells Federal Bank, expanding to $39.8 million deal.

What critics are saying

• Pete Reichardt's 2024 retirement disrupts Tomah management continuity.
• Mike Britton's unproven record causes client attrition to Associated Bank.
• First National Bank expands in Monroe County, eroding SMB loan share.

What makes CCFBank unique

• CCFBank specializes in agricultural loans for Wisconsin-Minnesota farmers.
• Offers SBA 7(a), 504, and Express loans for small businesses.
• Provides construction-to-permanent mortgages with single closing.

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