Citizens Community Bancorp | 10-Q: FY2025 Q3 Revenue: USD 25.28 M

Revenue: As of FY2025 Q3, the actual value is USD 25.28 M.

EPS: As of FY2025 Q3, the actual value is USD 0.37, meeting the estimate of USD 0.37.

EBIT: As of FY2025 Q3, the actual value is USD -8.679 M.

Commercial/Agricultural Real Estate

• Commercial Real Estate: Amortized cost of $682,440, with 51.6% of total loans.
• Agricultural Real Estate: Amortized cost of $64,001, with 4.8% of total loans.
• Multi-family Real Estate: Amortized cost of $237,068, with 17.9% of total loans.
• Construction and Land Development: Amortized cost of $74,354, with 5.6% of total loans.

C&I/Agricultural Operating

• Commercial and Industrial: Amortized cost of $101,535, with 7.7% of total loans.
• Agricultural Operating: Amortized cost of $30,078, with 2.3% of total loans.

Residential Mortgage

• Residential Mortgage: Amortized cost of $124,834, with 9.4% of total loans.
• Purchased HELOC Loans: Amortized cost of $1,979, with 0.2% of total loans.

Consumer Installment

• Originated Indirect Paper: Amortized cost of $2,566, with 0.2% of total loans.
• Other Consumer: Amortized cost of $4,155, with 0.3% of total loans.

Allowance for Credit Losses

• Total ACL for Loans: $22,182 at the end of the period.

Cash Flow

• Net Cash from Operating Activities: $7,838 for the nine months ended September 30, 2025.
• Net Cash from Investing Activities: $57,761 for the nine months ended September 30, 2025.
• Net Cash Used in Financing Activities: -$33,340 for the nine months ended September 30, 2025.

Future Outlook and Strategy

• The company continues to focus on maintaining a strong credit quality across its loan portfolio, with a disciplined credit review process to identify potential risks early.
• Strategic emphasis on expanding the multi-family real estate segment, which has shown significant growth in its share of the total loan portfolio.