Risk factors
Citizens Community Bancorp (CZWI) risk factors
Item 1A of every Citizens Community Bancorp Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors30 risks1 new1 dropped9 reworded
Competition risk now covers larger banks and non-depository firms, customer retention, loan and deposit pricing, and service-fee pressure.
Filed Mar 05, 2026 - FY2024 10-K risk factors30 risks
Credit losses are central, especially in commercial real estate, commercial, and agricultural lending across Wisconsin and Minnesota.
Filed Mar 13, 2025