Citizens Community Bancorp Inc

Citizens Community Bancorp, Inc. (Nasdaq: CZWI) is the holding company of CCFBank N.A., a national bank that provides traditional community banking services to businesses, agricultural operators, and consumers primarily in Wisconsin and Minnesota through 21 branch locations. The company's primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. CCFBank offers commercial real estate, multi-family, construction and development, commercial and industrial, agricultural, residential mortgage, and consumer loans. The company has transformed from a consumer-focused bank into a commercially oriented institution, with approximately 90% of its loan portfolio now in CRE, C&I, agriculture, and construction and development. Notable lending niches include campground loans (approximately $152 million), hotel loans ($100 million), and restaurant loans ($62 million). The bank maintains a diversified deposit base composed of approximately 57% consumer, 28% commercial, 13% public, and 2% wholesale deposits. Updated Jul 27, 2026