Overview
Citizens Community Bancorp, Inc. is the parent company of Citizens Community Federal N.A., providing traditional community banking services in Wisconsin and Minnesota. It offers checking and savings accounts and a broad range of loans, including commercial, industrial, real estate, agricultural, mortgage, and personal loans, serving small to mid-size businesses, farmers, and individual consumers. Deposits fund its loan products, with revenue coming from interest, fees, and other banking services. The company focuses on regional, community-oriented banking with a local presence to support local businesses and residents, aiming to meet the financial needs of its-service areas.
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Simplify's take
What believers are saying
- July 27, 2026 earnings grew loans to $1.383 billion and deposits to $1.554 billion.
- Management kept quarterly dividends at $0.105, signaling capital discipline after Q2 2026.
- TCE hit 8.9% on April 27, 2026, supporting organic growth and M&A.
What critics are saying
- Q2 2026 EPS fell to $0.11, down from $0.39 in Q1 and $0.33 last year.
- Nonperforming assets jumped to $32.4 million on June 30, 2026, pressuring earnings.
- Persistent CRE and agriculture losses can force a capital raise or M&A freeze in 2027.
What makes CCFBank unique
- CCFBank serves Wisconsin and Minnesota through 21 branches and agribusiness specialization.
- Citizens Community Bancorp targets organic growth plus small-community-bank acquisitions in its markets.
- The bank combines commercial, residential mortgage, and agricultural lending under one local platform.
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