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

CZWI · Jun 30, 2026

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

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001367859-26-000050Bank
Sequential deposit growth20thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.72% · CORE · VALID

Net-income growth0thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-66.30% · CORE · VALID

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

Yoy · gp.financial.interest_income

-2.08% · CORE · VALID

Cash and equivalents90thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$121.8M · CORE · VALID

Sequential loan growth80thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.63% · 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
Sep 30, 20215/5 normalizedLevel 3Dec 31, 20215/5 normalizedLevel 3Mar 31, 20225/5 normalizedLevel 3Jun 30, 20225/5 normalizedLevel 3Sep 30, 20225/5 normalizedLevel 3Dec 31, 20225/5 normalizedLevel 3Mar 31, 20235/5 normalizedLevel 3Jun 30, 20235/5 normalizedLevel 3Sep 30, 20236/6 normalizedLevel 3Dec 31, 20236/6 normalizedLevel 3Mar 31, 20246/6 normalizedLevel 3Jun 30, 20245/5 normalizedLevel 3Sep 30, 20245/5 normalizedLevel 3Dec 31, 20245/5 normalizedLevel 3Mar 31, 20255/5 normalizedLevel 3Jun 30, 20255/5 normalizedLevel 3Sep 30, 20255/5 normalizedLevel 3Dec 31, 20255/5 normalizedLevel 3Mar 31, 20265/5 normalizedLevel 3Jun 30, 20265/5 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.72%
Current
-0.72%
Delta
-3.44%
Earnings Growth Decreased
Previous
17.45%
Current
-66.30%
Delta
-83.75%
Interest Income Growth Decreased
Previous
1.96%
Current
-2.08%
Delta
-4.04%
Liquidity Decreased
Previous
$149.2M
Current
$121.8M
Delta
-$27.4M
Loan Growth Increased
Previous
1.32%
Current
1.63%
Delta
0.31%
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.

Jun 30, 2019
Similarity
85%
Compared
3 dimensions
Coverage
60%
Liquidity 5.0 · Loan Growth 25.0 · Deposit Growth 5.0
Mar 31, 2022
Similarity
71%
Compared
4 dimensions
Coverage
80%
Liquidity 15.0 · Deposit Growth 55.0 · Earnings Growth 10.0 · Interest Income Growth 5.0
Jun 30, 2025
Similarity
69%
Compared
5 dimensions
Coverage
100%
Liquidity 25.0 · Loan Growth 40.0 · Deposit Growth 20.0 · Earnings Growth 45.0 · Interest Income Growth 15.0
Dec 31, 2019
Similarity
68%
Compared
3 dimensions
Coverage
60%
Liquidity 10.0 · Loan Growth 5.0 · Deposit Growth 55.0
Jun 30, 2015
Similarity
67%
Compared
5 dimensions
Coverage
100%
Liquidity 52.5 · Loan Growth 6.7 · Deposit Growth 26.7 · Earnings Growth 27.3 · Interest Income Growth 35.0
Research Graph

Related governed research

Analogous To · CZWI state analogue 5 →Analogous To · CZWI state analogue 2 →Compared To · Savings Institution, Federally Chartered peers →Analogous To · CZWI state analogue 3 →Analogous To · CZWI state analogue 1 →Analogous To · CZWI state analogue 4 →Transitioned To · CZWI Fundamental State →Transitioned To · CZWI DEPOSIT_GROWTH_DECREASED →Transitioned To · CZWI EARNINGS_GROWTH_DECREASED →Transitioned To · CZWI INTEREST_INCOME_GROWTH_DECREASED →Transitioned To · CZWI LIQUIDITY_DECREASED →Transitioned To · CZWI LOAN_GROWTH_INCREASED →

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.