Short answer
Citizens Community Bancorp Inc. (CZWI) filed its Q2 2026 10-Q quarterly report on Aug 6, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $22M (down 2.1% year over year) with net income of $1M.
Q2 2026 key financials · XBRL
- Revenue
- $22M
- −2.1% YoY · +2.4% QoQ
- Net income
- $1M
- −66.3% YoY · −70.7% QoQ
- EPS (diluted)
- $0.11
- −66.7% YoY · −71.8% QoQ
Source: XBRL data from the Citizens Community Bancorp Inc. (CZWI) Q2 2026 10-Q on SEC EDGAR. USD.
Citizens Community Bancorp Inc. Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly revenue not disclosed; net interest income $13.5M vs $13.3M YoY
- Net interest margin 3.22% vs 3.27% YoY; net income $1.1M vs $3.3M
- Worst-performing line: gain on loan sales $442K vs $699K, down 36.77% YoY
- Credit-loss provision $4.325M vs $1.350M YoY, including $1.4M charge-offs
- Management cited higher nonaccrual loans, lending risk, interest-rate risk, and economic uncertainty as headwinds
Risk Factors
- Newly added shareholder-activism risk triggered by a June 4, 2026 Schedule 13D reporting 9.1% ownership
- Most material update: July 27, 2026 board-seat request from activist stockholders led by Andrew Schornack
- Governance risk: potential proxy contest could increase costs and divert management attention
- Near-term market risk: adversarial action could materially harm stock price and value-maximizing transactions
- Capital-allocation risk: repurchase authorization expired July 23, 2026 after 881 shares repurchased at $20.63 each
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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