Citizens Community Bancorp, Inc. Reports Fourth Quarter 2025 Earnings of $0.44 Per Share; Board Approves Moving to Quarterly Dividend at $0.105 per share

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., Jan. 26, 2026 (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 $4.3 million and earnings per diluted share of $0.44 for the fourth quarter ended December 31, 2025, compared to $3.7 million and earnings per diluted share of $0.37 for the third quarter ended September 30, 2025, and $2.7 million and $0.27 earnings per diluted share for the quarter ended December 31, 2024, respectively. For the twelve months ended December 31, 2025, the Company reported earnings of $14.4 million and earnings per diluted share of $1.46 compared to the prior year period of $13.8 million and earnings per diluted share of $1.34.","length":773,"tagName":"p"},{"type":"text","content":"The Company’s improved fourth quarter 2025 operating results reflected the following changes from the third quarter of 2025: (1) loan growth of $17.3 million, or 1.3% and deposit growth of $43.5 million, or 2.9%; (2) a decrease in net interest income of $0.1 million, largely due to a decrease of $0.4 million in the recognition of interest income in the third quarter from loan payoffs; (3) lower provision for credit losses of $0.2 million compared to a $0.7 million provision in the third quarter; (4) lower non-interest income of $0.3 million; (5) lower non-interest expense of $0.4 million; (6) lower tax expense of $0.2 million due to a lower effective tax rate realized through purchased tax credits; and (7) fewer shares outstanding due to the repurchase of approximately 250,000 shares during the quarter.","length":814,"tagName":"p"},{"type":"text","content":"Book value per share improved to $19.54 at December 31, 2025, compared to $18.95 at September 30, 2025, and $17.94 at December 31, 2024. Tangible book value per share (non-GAAP) 1 was $16.23 at December 31, 2025, compared to $15.71 at September 30, 2025, and increased 10.5% from $14.69 at December 31, 2024, with dividends paid of 2.45% of the December 31, 2024 tangible book value. Since December 31, 2024, the Company has paid dividends to shareholders totaling $0.36 per share. For the fourth quarter of 2025, the increase in tangible book value was primarily due to the increase in net income in the quarter, along with the impact of lower unrealized losses on the available for sale investment portfolio. Stockholders’ equity as a percentage of total assets was 10.55% at December 31, 2025, compared to 10.82% at September 30, 2025, with the decline largely due to modest asset growth. Tangible common equity (“TCE”) as a percent of tangible assets (non-GAAP) 1 decreased to 8.92% at December 31, 2025, compared to 9.13% at September 30, 2025.","length":1047,"tagName":"p"},{"type":"readMore"},{"type":"text","content":"“We utilized our capital strength to enhance shareholder value early in the quarter by repurchasing approximately 250,000 shares at an average price less than tangible book value, and the Board voted to declare a quarterly dividend replacing the ‘thrift like’ annual dividend in prior years.” stated Stephen Bianchi, Chairman, President and Chief Executive Officer. “Loan growth returned in the quarter and the pipeline looked promising entering 2026. We remained focused on growing our customer base, and specifically deposits, as noted in the YOY growth of $44 million. With the improved quality of our deposit base and as loans originated during the pandemic come due for pricing adjustments, we anticipate continued NIM expansion which should result in stronger earnings.”","length":776,"tagName":"p"},{"type":"text","content":" December 31, 2025, Highlights:  ","length":30,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Quarterly earnings were $4.3 million, or $0.44 per diluted share for the quarter ended December 31, 2025, an increase compared to earnings of $3.7 million, or $0.37 per diluted share for the quarter ended September 30, 2025, and an increase from $2.7 million, or $0.27 per diluted share for the quarter ended December 31, 2024.","length":327,"tagName":"p"}]},{"val":[{"type":"text","content":"For the twelve months ended December 31, 2025, earnings were $14.4 million or $1.46 per diluted share compared to $13.8 million or $1.34 per diluted share for the twelve-month period ending December 31, 2024. The increase in earnings for the twelve-month period primarily relates to the increase in net interest income, partially offset by provisions for credit losses for the most recent twelve-month period versus negative provisions for credit losses during the twelve-month period ending December 31, 2024.","length":510,"tagName":"p"}]},{"val":[{"type":"text","content":"Net interest income decreased $0.1 million to $13.1 million for the current quarter ended December 31, 2025, from $13.2 million for the quarter ended September 30, 2025, and increased from $11.7 million for the quarter ended December 31, 2024. The decrease in net interest income from the third quarter of 2025 was primarily due to a net decrease of $0.4 million, or 8 basis points (“bps”), related to loan payoffs in the third quarter of nonperforming loans and payoffs of loans with purchase accretion.","length":504,"tagName":"p"}]},{"val":[{"type":"text","content":"The net interest margin decreased 5 bps to 3.15% for the quarter ended December 31, 2025, compared to the quarter ended September 30, 2025, and increased 36 bps from the quarter ended December 31, 2024. The decrease in net interest margin from lower loan payoffs discussed above, was partially offset by lower deposit costs, or an increase in the net interest margin of 6 bps. The growth in lower yielding interest-bearing cash also decreased the net interest margin by 3 bps.","length":476,"tagName":"p"}]},{"val":[{"type":"text","content":"The provision for credit losses was $0.20 million for the quarter ended December 31, 2025, compared to a provision for credit losses of $0.65 million for the third quarter, and a negative provision for credit losses of $0.45 million during the quarter ended December 31, 2024. Factors affecting the December 31, 2025, provision for credit losses include: (1) the impact of loan growth; and (2) decreases in delinquent loans offset by increases of reserves on impaired loans. The allowance for credit losses on loans was $22.4 million or 141% of total nonperforming loans and 1.67% of total loans.","length":596,"tagName":"p"}]},{"val":[{"type":"text","content":"Non-interest income decreased by $0.3 million in the fourth quarter of 2025 to $2.7 million from $3.0 million the prior quarter, and increased $0.7 million from $2.0 million in the fourth quarter of 2024. The decrease in the fourth quarter of 2025, from the third quarter of 2025, was primarily due to lower gains on sale of loans, partially offset by net gains on equity securities. The increase of non-interest income in the fourth quarter of 2025, from the fourth quarter of 2024, was primarily due to higher gains on sale of loans and net gains on equity securities.","length":570,"tagName":"p"}]},{"val":[{"type":"text","content":"Non-interest expense decreased $0.4 million to $10.7 million from $11.1 million for the previous quarter and decreased $0.1 million from $10.8 million for the fourth quarter of 2024. The decrease in non-interest expense compared to the linked quarter was largely due to lower compensation items, primarily due to lower medical costs on the Company’s self-insured medial plan and lower data processing expense from improved negotiations with the service provider. The $0.1 million decrease from the fourth quarter of 2024, was largely due to lower data processing expenses.","length":572,"tagName":"p"}]},{"val":[{"type":"text","content":"The effective tax rate was 12.6% for the quarter ended December 31, 2025, compared to 18.8% for the quarter ended September 30, 2025, and 19.5% for the quarter ended December 31, 2024. The decrease in the effective tax rate in the fourth quarter of 2025 was largely due to the full year impact of a new tax credit investment which partially funded in the fourth quarter of 2025, with final funding in 2026.","length":406,"tagName":"p"}]},{"val":[{"type":"text","content":"Loans receivable increased $17.3 million during the fourth quarter ended December 31, 2025, to $1.340 billion compared to the prior quarter end. The increase was largely due to a growth in new multi-family and C&I loan originations from the third quarter.","length":259,"tagName":"p"}]},{"val":[{"type":"text","content":"Nonperforming assets were flat at $16.7 million at December 31, 2025 and at September 30, 2025, respectively.","length":109,"tagName":"p"}]},{"val":[{"type":"text","content":"Special mention loans increased $11.6 million to $24.5 million at December 31, 2025, from $12.9 million at September 30, 2025. The increase was largely due to two separate commercial real estate relationships totaling $6 million and $5 million, each.","length":250,"tagName":"p"}]},{"val":[{"type":"text","content":"Substandard loans increased $0.1 million to $21.4 million at December 31, 2025, from September 30, 2025.","length":104,"tagName":"p"}]},{"val":[{"type":"text","content":"Total deposits increased $43.5 million during the quarter ended December 31, 2025, to $1.524 billion. This was largely due to growth in retail consumer deposits of $33.9 million and seasonal growth in public deposits of $12.1 million.","length":234,"tagName":"p"}]},{"val":[{"type":"text","content":"The efficiency ratio was 68% for the quarter ended December 31, 2025, compared to 67% for the quarter ended September 30, 2025.","length":127,"tagName":"p"}]},{"val":[{"type":"text","content":"On January 22, 2026, the Board of Directors approved a quarterly dividend of $0.105 per share. The quarterly dividend, subject to future Board approvals, is intended to replace the Company’s former annual dividend. The dividend will be payable on February 20, 2026, to shareholders of record on February 6, 2026.","length":312,"tagName":"p"}]},{"val":[{"type":"text","content":"On July 24, 2025, the Board of Directors authorized a new 5% common stock buyback authorization, or 499 thousand shares. The Company repurchased approximately 250 thousand shares during the quarter ended December 31, 2025, at an average price of $15.99 per share. Approximately 113 thousand shares remained available to purchase under this authorization as of December 31, 2025. ","length":378,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":5734,"olType":false},{"type":"text","content":" Balance Sheet and Asset Quality ","length":31,"tagName":"p"},{"type":"text","content":"Total assets increased by $54.8 million during the quarter to $1.782 billion at December 31, 2025.","length":98,"tagName":"p"},{"type":"text","content":"Cash and cash equivalents increased $36.4 million as interest-bearing cash increased due to cash provided by deposit increases, partially offset by loan growth.","length":160,"tagName":"p"},{"type":"text","content":"The on-balance sheet liquidity ratio, which is defined as the fair market value of available for sale (“AFS”) and held to maturity (“HTM”) securities that are not pledged and cash on deposit with other financial institutions, was 14.8% of total assets at December 31, 2025, compared to 13.4% at September 30, 2025. On-balance sheet liquidity, collateralized new borrowing capacity, and uncommitted federal funds borrowing availability was $792 million, or 243%, of uninsured and uncollateralized deposits at December 31, 2025, and $741 million, or 267% at September 30, 2025.","length":575,"tagName":"p"},{"type":"text","content":"AFS securities decreased $3.5 million during the quarter ended December 31, 2025, to $134.1 million from $137.6 million at September 30, 2025. The decrease was largely related to corporate debt security redemptions of $5.0 million, and principal repayments of $2.5 million, partially offset by purchases of new corporate debt securities of $3 million and a decrease in the unrealized loss on AFS securities of $1.0 million.","length":423,"tagName":"p"},{"type":"text","content":"HTM securities decreased $1.3 million to $80.2 million during the quarter ended December 31, 2025, from $81.5 million at September 30, 2025, due to principal repayments.","length":169,"tagName":"p"},{"type":"text","content":"Loans receivable increased $17.3 million during the fourth quarter ended December 31, 2025, to $1.340 billion compared to the prior quarter end as loan growth was realized in multi-family loans and C&I loans.","length":212,"tagName":"p"},{"type":"text","content":"The office loan portfolio consisting of seventy-one loans totaled $32 million at December 31, 2025, compared to seventy-one loans totaling $26 million at September 30, 2025. Criticized loans in the office loan portfolio for the quarter ended December 31, 2025, totaled $0.2 million, compared to $0.2 million at September 30, 2025, and there have been no charge-offs in the trailing twelve months.","length":396,"tagName":"p"},{"type":"text","content":"The allowance for credit losses on loans increased by $0.2 million to $22.4 million at December 31, 2025, representing 1.67% of total loans receivable compared to 1.68% of total loans receivable at September 30, 2025. The provision for credit losses was $0.20 million for the quarter ended December 31, 2025, compared to a provision for credit losses of $0.65 million for the quarter ended September 30, 2025, and a negative provision for credit losses of $0.45 million for the quarter ended December 31, 2024. 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