Citizens Community Bancorp (NASDAQ:CZWI) delivered a strong finish to 2025, posting fourth-quarter net income of $4.3 million—a 59% jump compared to the $2.7 million reported in the same period a year ago.
The Eau Claire, Wisconsin-based parent of Citizens Community Federal (CCFBank) saw its diluted earnings per share climb to $0.44 for the quarter, outperforming both prior-year and sequential-quarter results.
The bank’s performance was anchored by a steady expansion of its balance sheet.
During the fourth quarter, Citizens reported $17.3 million in new loan growth, while deposits surged by $43.5 million.
This influx of capital helped offset a modest compression in net interest margin (NIM), which tightened to 3.15%.
Asset quality remained a highlight for the quarter, as the bank lowered its provision for credit losses to $0.20 million, reflecting a stable credit environment across its Midwest footprint.
For the full year 2025, Citizens recorded total earnings of $14.4 million, or $1.46 per diluted share.
The bank also prioritized shareholder returns through aggressive capital management.
In the fourth quarter, Citizens repurchased approximately 250,000 shares at an average price of $15.99.
These buybacks, combined with strong earnings, helped push the non-GAAP tangible book value per share to $16.23 at year-end, while total book value reached $19.54.