Citizens Community Bancorp is the holding company for Citizens Community Federal N.A., a community bank serving customers across Wisconsin and Minnesota through 21 branch locations. The bank focuses on the Chippewa Valley region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and surrounding rural communities. Citizens Community offers standard community banking products — loans and deposits — to individuals, small businesses, and agricultural operators. The loan portfolio is concentrated in commercial and agricultural real estate, which together account for roughly 80% of gross loans, with smaller allocations to C&I and agricultural operating loans, residential mortgages, and consumer loans. Agricultural lending is a distinctive feature of the book, reflecting the rural character of many of the bank's markets. The business model is straightforward: the bank takes in deposits and lends that money out at a higher rate, with net interest margin as the primary earnings driver. Profitability is tied to loan volume and mix, deposit costs, the interest rate environment, and credit quality in local real estate and agricultural markets. The bank funds itself primarily through customer deposits, supplemented by FHLB advances and an investment portfolio of mortgage-backed securities, agency securities, and corporate debt. At year-end 2025, Citizens Community had roughly $1.8B in total assets, $1.5B in deposits, and a gross loan portfolio of $1.3B.