GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

CZWI · Sep 30, 2021

Citizens Community Bancorp Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001367859-21-000163Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.70% · CORE · VALID

Net-income growth65thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

43.59% · CORE · VALID

Interest-expense growth15thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-24.84% · CORE · VALID

Interest-income growth40thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

6.29% · CORE · VALID

Cash and equivalents80thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$102.3M · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History60 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
-0.65%
Current
2.70%
Delta
3.36%
Earnings Growth Decreased
Previous
53.34%
Current
43.59%
Delta
-9.75%
Funding Cost Growth Increased
Previous
-26.12%
Current
-24.84%
Delta
1.28%
Interest Income Growth Increased
Previous
-2.57%
Current
6.29%
Delta
8.86%
Liquidity Decreased
Previous
$128.4M
Current
$102.3M
Delta
-$26.1M
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.