Citizens Community Bancorp, Inc. Reports Second Quarter 2025 Earnings of $0.33 Per Share; Board of Directors Authorize 5% Stock Buyback Authorization

About this update from Citizens Community Bancorp, Inc.

[{"type":"image","alt":"Citizens Community Bancorp, Inc.","displaySize":"","headline":null,"caption":"Citizens Community Bancorp, Inc.","className":"","disableSlideshowImg":false,"size":{"original":{"width":300,"height":81,"url":"https://media.zenfs.com/en/globenewswire.com/b4999d328c8e158f26ecf75d8ff91846"},"resized":{"url":"https://s.yimg.com/ny/api/res/1.2/rGxlf0f8zZJpiPSZggPmGw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTQyMDtoPTExMztjZj13ZWJw/https://media.zenfs.com/en/globenewswire.com/b4999d328c8e158f26ecf75d8ff91846","width":300,"height":81}},"lazy":false},{"type":"text","content":"EAU CLAIRE, Wis., July 28, 2025 (GLOBE NEWSWIRE) -- Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.3 million and earnings per diluted share of $0.33 for the second quarter ended June 30, 2025, compared to $3.2 million and earnings per diluted share of $0.32 for the quarter ended March 31, 2025, and $3.7 million and $0.35 earnings per diluted share for the quarter ended June 30, 2024, respectively. For the six months ended June 30, 2025, the Company reported earnings of $6.5 million and earnings per diluted share of $0.65 compared to the prior year period of $7.8 million and earnings per diluted share of $0.75.","length":746,"tagName":"p"},{"type":"text","content":"The Company’s second quarter 2025 operating results reflected the following changes from the first quarter of 2025: 1) increase in net interest income of $1.7 million, due to the recognition of $1.1 million of interest income from loan payoffs, which contributed a 27 basis point increase in net interest margin, and a $0.6 million increase resulting from higher asset yields and lower deposit costs, which contributed a 15 basis point increase in net interest margin; 2) a provision for credit losses of $1.35 million compared to a negative provision of $0.25 million in the first quarter largely due to a $9.3 million increase in 30 to 89 day delinquencies and a modest change in macro-economic assumptions; 3) $0.2 million higher non-interest income; and 4) $0.3 million higher non-interest expense.","length":802,"tagName":"p"},{"type":"text","content":"Book value per share improved to $18.36 at June 30, 2025, compared to $18.02 at March 31, 2025, and $17.10 at June 30, 2024. Tangible book value per share (non-GAAP) 1 was $15.15 at June 30, 2025, compared to $14.79 at March 31, 2025, and an 8.9% increase from $13.91 at June 30, 2024. For the second quarter of 2025, the increase in tangible book value was primarily due to the increase in net income in the quarter compared to the first quarter. Stockholders’ equity as a percentage of total assets was 10.57% at June 30, 2025, compared to 10.12% at March 31, 2025. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP) 1 increased to 8.89% at June 30, 2025, compared to 8.45% at March 31, 2025.","length":715,"tagName":"p"},{"type":"text","content":"“The quarter was solid overall with continued margin improvement of 15 bps to 3.00% (42 bps reported), strong net interest income which increased 9.4% from the linked quarter and in line non-interest expense contributed to the solid $0.33 in earnings per share. Tangible book value was higher by 2.4% from the linked quarter to $15.15 and the tangible common equity ratio improved to 8.9%. Asset quality was mixed with nonperforming assets and classified loans decreasing by $1.5 million and $1.7 million, respectively, while one $9 million multi-family relationship was added to special mention loans. Good credit administration practices kept net charge-offs manageable at $16 thousand for the quarter and the allowance to credit losses to total loans increased from 1.49% to 1.59% and the allowance to credit losses to nonperforming loans increased to 176% versus 148% compared to the prior quarter. Business activity in our markets continues to be good and seems poised to accelerate in the second half of 2025,” stated Stephen Bianchi, Chairman, President, and Chief Executive Officer. June 30, 2025, Highlights: ","length":1117,"tagName":"p"},{"type":"readMore"},{"type":"list","items":[{"val":[{"type":"text","content":"Quarterly earnings were $3.3 million, or $0.33 per diluted share for the quarter ended June 30, 2025, an increase compared to earnings of $3.2 million, or $0.32 per diluted share for the quarter ended March 31, 2025, and a decrease from $3.7 million, or $0.35 per diluted share for the quarter ended June 30, 2024.","length":314,"tagName":"p"}]},{"val":[{"type":"text","content":"For the six months ended June 30, 2025, earnings were $6.5 million or $0.65 per diluted share compared to $7.8 million or $0.75 per diluted share. The decline in earnings for the six-month period primarily relates to provisions for credit losses for the most recent six-month period versus negative provisions for credit losses during the six-month period ending June 30, 2024, as economic variables used in the calculation of provisions have begun to normalize in the most recent periods.","length":489,"tagName":"p"}]},{"val":[{"type":"text","content":"Net interest income increased $1.7 million to $13.3 million for the current quarter ended June 30, 2025, from $11.6 million for the quarter ended March 31, 2025, and from $11.6 million for the quarter ended June 30, 2024. The increase in net interest income from the first quarter of 2025 was primarily due to: 1) $0.7 million of interest income recognized on the payoffs of nonperforming loans; 2) an increase in purchase accretion of $0.4 million due to a loan payoff; 3) higher interest income of $0.2 million on loans due to loans repricing and the impact of new originations; 4) lower deposit rates decreased interest expense of $0.4 million; and 5) the impact of one more day in the quarter of interest income, net of interest expense of $0.1 million.","length":757,"tagName":"p"}]},{"val":[{"type":"text","content":"The net interest margin increased 42 basis points (“bps”) to 3.27% for the quarter ended June 30, 2025, compared to the quarter ended March 31, 2025, and increased 55 bps from the quarter ended June 30, 2024. The increase in the net interest margin from the linked quarter was due to: 1) income recognized on the payoffs of loans of 17 bps; 2) higher purchase accretion due to loan payoffs of 10 bps; 3) lower deposit costs of 8 bps; and 4) higher asset yields due to repricing, new loan originations and higher percentage of loans compared to total interest-earning assets of 7 bps.","length":583,"tagName":"p"}]},{"val":[{"type":"text","content":"The provision of credit losses was $1.4 million for the quarter ended June 30, 2025, compared to negative provisions for credit losses of $0.25 million, and $1.53 million during the quarters ended March 31, 2025, and June 30, 2024, respectively. The June 30, 2025 provision for credit losses was primarily due to: 1) the impact of three delinquent 30 - 89 day commercial real estate loan relationships of $0.7 million; 2) a change in the macro-economic assumptions used by our third-party provider of $0.3 million; 3) provisions on new loans with longer contractual life outpacing previously established provisions on prepaid and maturing loans, resulting in an increase of $0.15 million; and 4) an increase in off-balance sheet commitments from new construction originations of $0.2 million. Additionally, the Bank had $16 thousand of net charge-offs in the second quarter. Allowance for credit losses on loans was $21.3 million or 176% of total nonperforming loans of $12.1 million at June 30, 2025.","length":1001,"tagName":"p"}]},{"val":[{"type":"text","content":"Non-interest income increased by $0.2 million in the second quarter of 2025, to $2.8 million from $2.6 million the prior quarter due to the collection of loan fees on nonaccrual loan payoffs and higher gains on equity securities. Total non-interest income for the quarter ended June 30, 2025, was an increase of $0.9 million from the second quarter of 2024 primarily due to higher gains on sale of loans and higher net realized gains on equity securities.","length":455,"tagName":"p"}]},{"val":[{"type":"text","content":"Non-interest expense increased $0.3 million to $10.8 million from $10.5 million for the previous quarter and increased $0.5 million from $10.3 million the second quarter of 2024. The increase in non-interest expense compared to the linked quarter was largely due to compensation items, including the annual merit increase and modestly higher incentive costs. The $0.5 million increase from the second quarter of 2024 was largely due to higher compensation expense, which includes the annual merit increase impact and inflation factors impacting non-interest expense.","length":566,"tagName":"p"}]},{"val":[{"type":"text","content":"The effective tax rate was 19.2% for the quarter ended June 30, 2025, compared to 19.6% for the quarter ended March 31, 2025, and 22.1% for the quarter ended June 30, 2024.","length":172,"tagName":"p"}]},{"val":[{"type":"text","content":"Loans receivable decreased $7.1 million during the second quarter ended June 30, 2025, to $1.35 billion compared to the prior quarter end. New loan originations increased approximately $25 million in the second quarter compared to the first quarter, with some prepayments expected in the first quarter, sliding to the second quarter and offsetting net loan growth.","length":364,"tagName":"p"}]},{"val":[{"type":"text","content":"Nonperforming assets decreased $1.5 million during the quarter to $13.0 million at June 30, 2025, compared to $14.5 million at March 31, 2025, largely due to the payoff of an agricultural relationship.","length":201,"tagName":"p"}]},{"val":[{"type":"text","content":"Special mention loans increased $8.2 million to $23.2 million at June 30, 2025, from $15.0 million at March 31, 2025. The increase was largely due to one multifamily loan that is experiencing slower leasing activity than expected.","length":230,"tagName":"p"}]},{"val":[{"type":"text","content":"Total deposits decreased $45.2 million during the quarter ended June 30, 2025, to $1.48 billion. Total deposit decline reflected the seasonal shrinkage in public deposits of $20.3 million, which typically decreases again in the third quarter before increasing in the fourth quarter. Commercial deposits declined $17.0 million as business customers reinvested into their operations.","length":381,"tagName":"p"}]},{"val":[{"type":"text","content":"On July 7, 2025, the Board of Directors approved the redemption of the entire $15 million balance of the 6% subordinated debentures due September 1, 2030, which were scheduled to reprice on September 1, 2025, to SOFR + 591 bps. The redemption will occur on September 1, 2025.","length":275,"tagName":"p"}]},{"val":[{"type":"text","content":"The efficiency ratio was 66% for the quarter ended June 30, 2025, compared to 73% for the quarter ended March 31, 2025. The improvement in the efficiency ratio was partially due to $1.1 million in interest income recognized from loan payoffs. Excluding the impact of interest income associated with the loan payoffs, the efficiency ratio was approximately 70%.","length":360,"tagName":"p"}]},{"val":[{"type":"text","content":"On July 24, 2025, the Board of Directors authorized a new 5% common stock buyback authorization, or 499,000 shares. ","length":115,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":6263,"olType":false},{"type":"text","content":" Balance Sheet and Asset Quality ","length":31,"tagName":"p"},{"type":"text","content":"Total assets decreased by $44.8 million during the quarter to $1.735 billion at June 30, 2025.","length":94,"tagName":"p"},{"type":"text","content":"Cash decreased $32.7 million as interest-bearing cash decreased due to funding balance sheet changes, while maintaining strong on-balance sheet liquidity.","length":154,"tagName":"p"},{"type":"text","content":"The on-balance sheet liquidity ratio, which is defined as the fair market value of AFS and HTM securities that are not pledged and cash on deposit with other financial institutions, was 12.17% of total assets at June 30, 2025, compared to 14.38% at March 31, 2025. On-balance sheet liquidity, collateralized new borrowing capacity, and uncommitted federal funds borrowing availability was $730 million, or 277%, of uninsured and uncollateralized deposits at June 30, 2025, and $852 million, or 314% at March 31, 2025.","length":517,"tagName":"p"},{"type":"text","content":"Securities available for sale (“AFS”) decreased $4.8 million during the quarter ended June 30, 2025, to $134.8 million from $139.6 million at March 31, 2025. The decrease was due to principal repayments of $3.4 million, and corporate debt security maturities of $3.2 million, partially offset by the purchase of new corporate debt securities of $1.9 million and a decrease in the unrealized loss on AFS securities of $0.1 million.","length":430,"tagName":"p"},{"type":"text","content":"Securities held to maturity (“HTM”) decreased $1.3 million to $83.0 million during the quarter ended June 30, 2025, from $84.3 million at March 31, 2025, due to principal repayments.","length":182,"tagName":"p"},{"type":"text","content":"Loans receivable decreased $7.1 million during the second quarter ended June 30, 2025, to $1.345 billion compared to the prior quarter end, as a modest pickup in origination and funding activity was offset by the payoff of larger non-strategic loans.","length":250,"tagName":"p"},{"type":"text","content":"The office loan portfolio consisting of seventy loans totaled $26 million at June 30, 2025, compared to seventy-two loans totaling $28 million at March 31, 2025. Criticized loans in the office loan portfolio for the quarter ended June 30, 2025, totaled $0.5 million, the same amount at March 31, 2025, and there have been no charge-offs in the trailing twelve months.","length":367,"tagName":"p"},{"type":"text","content":"The allowance for credit losses on loans increased by $1.1 million to $21.3 million at June 30, 2025, representing 1.59% of total loans receivable compared to 1.49% of total loans receivable at March 31, 2025. The Bank recorded a provision of credit losses of $1.35 million for the quarter ended June 30, 2025, compared to negative provisions for credit losses of $0.25 million, and $1.53 million during the quarters ended March 31, 2025, and June 30, 2024, respectively. The June 30, 2025 provision was primarily due to: 1) the impact of three delinquent 30 - 89 day commercial real estate loan relationships of $0.7 million; 2) a change in the macro-economic assumptions by our third-party provider of $0.3 million; 3) provisions on new loans with longer contractual life outpacing previously established provisions on prepaid and maturing loans, resulting in an increase of $0.15 million; and 4) an increase in off-balance sheet commitments from new construction originations of $0.2 million. Additionally, the Bank had $16 thousand of net charge-offs in the second quarter. Allowance for credit losses on loans was $21.3 million or 176% of total nonperforming loans of $12.1 million at June 30, 2025, compared to $20.2 million or $148% of total nonperforming loans of $13.7 million the prior quarter as the allowance level increased while nonperforming loans decreased during the most recent period.","length":1403,"tagName":"p"},{"type":"text","content":" Allowance for Credit Losses (“ACL”) - Loans Percentage ","length":54,"tagName":"p"},{"type":"text","content":"(in thousands, except ratios)","length":29,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"style":"vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"3","style":"text-align:center;vertical-align:middle;vertical-align:bottom;","val":[{"type":"text","content":"June 30, 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