Citizens Community Bancorp, Inc.

Citizens Community Bancorp, Inc. reported net income of $14.4 million for FY 2025, an increase from $13.75 million in FY 2024. Diluted earnings per share were $1.46, up from $1.34. The improvement was driven by a $4.7 million increase in net interest income to $51.2 million, primarily due to lower short-term interest rates reducing liability costs and higher asset yields, partially offset by a smaller balance sheet. Non-interest income increased by $1.0 million to $11.1 million, led by higher gains on equity securities and loan sales. Non-interest expense rose modestly by 1.5% to $42.9 million. The company recorded a $1.95 million provision for credit losses, compared to a $3.175 million reversal in 2024. Total assets grew to $1.78 billion, with cash increasing significantly to $118.9 million. The return on average assets was 0.82% and return on average equity was 7.89%.

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