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

CZWI · Dec 31, 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

Filing0001367859-22-000069Bank
Sequential deposit growth15thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-1.48% · CORE · VALID

Net-income growth80thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

67.12% · CORE · VALID

Interest-expense growth10thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-27.35% · CORE · VALID

Interest-income growth25thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

-0.76% · CORE · VALID

Cash and equivalents65thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$47.7M · 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 Decreased
Previous
2.70%
Current
-1.48%
Delta
-4.18%
Earnings Growth Increased
Previous
43.59%
Current
67.12%
Delta
23.53%
Funding Cost Growth Decreased
Previous
-24.84%
Current
-27.35%
Delta
-2.51%
Interest Income Growth Decreased
Previous
6.29%
Current
-0.76%
Delta
-7.05%
Liquidity Decreased
Previous
$102.3M
Current
$47.7M
Delta
-$54.7M
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.