CZWI / Citizens Community Bancorp, Inc. - Depositi SEC, Relazione annuale, dichiarazione di delega

Citizens Community Bancorp, Inc.
US ˙ NasdaqGM ˙ US1749031043

Statistiche di base
LEI 549300VKLJAF4WABEF16
CIK 1367859
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Citizens Community Bancorp, Inc.
SEC Filings (Chronological Order)
Questa pagina fornisce un elenco completo e cronologico dei depositi SEC, esclusi i documenti di proprietà che forniamo altrove.
August 7, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS CO

July 28, 2025 EX-99.3

2025 Second Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondi

2025 Second Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period the

July 28, 2025 EX-99.1

Citizens Community Bancorp, Inc. Reports Second Quarter 2025 Earnings of $0.33 Per Share; Board of Directors Authorize 5% Stock Buyback Authorization

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Second Quarter 2025 Earnings of $0.33 Per Share; Board of Directors Authorize 5% Stock Buyback Authorization EAU CLAIRE, WI, July 28, 2025 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.3 million and earnings per di

July 28, 2025 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2025 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner O

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2025 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans

July 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 28, 2025 CITIZENS COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 28, 2025 CITIZENS COMMUNITY BANCORP, INC.

July 9, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 7, 2025 CITIZENS COMMUNITY BAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 7, 2025 CITIZENS COMMUNITY BANCORP, INC.

June 23, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 17, 2025 CITIZENS COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 17, 2025 CITIZENS COMMUNITY BANCORP, INC.

May 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS C

April 29, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ý Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ý Definitive Proxy State

April 28, 2025 EX-99.3

2025 First Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondin

2025 First Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period then

April 28, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2025 CITIZENS COMMUNITY BANCORP, INC.

April 28, 2025 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2025 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Oc

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2025 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans H

April 28, 2025 EX-99.1

Citizens Community Bancorp, Inc. Reports First Quarter 2025 Earnings of $0.32 Per Share; Book Value Per Share Up 8% and Tangible Book Value Per Share Up 10% Since March 31, 2024, After Annual Dividend Payment of $0.36 Per Share

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports First Quarter 2025 Earnings of $0.32 Per Share; Book Value Per Share Up 8% and Tangible Book Value Per Share Up 10% Since March 31, 2024, After Annual Dividend Payment of $0.36 Per Share EAU CLAIRE, WI, April 28, 2025 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “B

March 13, 2025 EX-19.1

Director and Officer Insider Trading Policy, adopted October 24, 2024, (filed herewith).

ex191 Director and Officer Insider Trading Policy 1.0 Purpose and Applicability This policy applies to all members of the Board of Directors and Section 16 officers of Citizens Community Bancorp, Inc. and Citizens Community Federal N.A. (in either case, referred to as the “Company”) and all Related Persons to such individuals. In addition, the policy applies to colleagues of the Company identified

March 13, 2025 EX-19.2

Colleague Insider Trading Policy, adopted, adopted October 24, 2024, (filed herewith).

ex192 Colleague Insider Trading Policy 1.0 Purpose and Applicability This policy applies to all colleagues and advisers of Citizens Community Bancorp, Inc. and Citizens Community Federal N.A. (in either case referred to as the “Company”) and all Related Persons to such individuals. The federal securities laws prohibit any colleague of the Company from purchasing or selling Company securities on th

March 13, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS COMMUN

March 13, 2025 EX-21

Subsidiaries of the Company as of December 31, 2024 (filed herewith).

Exhibit 21 Subsidiaries of Citizens Community Bancorp, Inc. The following lists the direct and indirect subsidiaries of Citizens Community Bancorp, Inc.: Name of Subsidiary Jurisdiction of Incorporation or Organization Citizens Community Federal National Association Federal (U.S.)

February 14, 2025 EX-99.A

JOINT FILING AGREEMENT

EX-99.A 2 czwi4442631-ex99a.htm JOINT FILING AGREEMENT EXHIBIT A JOINT FILING AGREEMENT Manulife Financial Corporation and Manulife Investment Management (US) LLC agree that the Schedule 13G (Amendment No.2) to which this Agreement is attached, relating to the Common Stock of Citizens Community Bancorp Inc., is filed on behalf of each of them. Manulife Financial Corporation February 4, 2025 Date /

January 27, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2025 CITIZENS COMMUNITY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2025 CITIZENS COMMUNITY BANCORP, INC.

January 27, 2025 EX-99.1

2024 Fourth Quarter Results 2025 Janney CEO Forum Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-mo

2024 Fourth Quarter Results 2025 Janney CEO Forum Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period then ended.

January 27, 2025 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner O

ex992 EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating

January 27, 2025 EX-99.3

2024 Fourth Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondi

ex993 2024 Fourth Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month peri

January 27, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2025 CITIZENS COMMUNITY BANCORP, INC.

January 27, 2025 EX-99.1

Citizens Community Bancorp, Inc. Reports Fourth Quarter 2024 Earnings of $0.27 Per Share and Twelve Month 2024 Earnings of $1.34 Per Share; Board of Directors Increases Annual Dividend by 12.5% to $0.36 Per Share

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Fourth Quarter 2024 Earnings of $0.27 Per Share and Twelve Month 2024 Earnings of $1.34 Per Share; Board of Directors Increases Annual Dividend by 12.5% to $0.36 Per Share EAU CLAIRE, WI, January 27, 2025 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFB

November 14, 2024 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / FJ Capital Management LLC Passive Investment

SC 13G/A 1 eps11622czwi.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 10)* Citizens Community Bancorp (CZWI) (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) 9/30/2024 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate

November 5, 2024 EX-10.1

Business Note, dated August 1, 2024, issued by Citizens Community Bancorp, Inc. to Chippewa Valley Bank (filed herewith)

%. The daily interest rate will be calculated on the basis of a 365 day year, which means that it is calculated by dividing.365 Day Rate Calculation2) Customer understands andthe applicable stated interest rate in section 4(a), (b) or (c), above, as applicable, and in section 4(d), above, by 365. agrees that calculating the daily interest rate using a 365 day year means the actual annual interest

November 5, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZE

November 4, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 4, 2024 CITIZENS COMMUNITY BANCORP, INC.

November 4, 2024 EX-99.1

2024 Third Quarter Results 2024 Hovde Group Financial Services Conference Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or

2024 Third Quarter Results 2024 Hovde Group Financial Services Conference Exhibit 99.

October 28, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 28, 2024 CITIZENS COMMUNITY BANCORP, INC.

October 28, 2024 EX-99.1

Citizens Community Bancorp, Inc. Reports Third Quarter 2024 Earnings of $0.32 Per Share; Nine Month 2024 Earnings of $1.07 Per Share

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Third Quarter 2024 Earnings of $0.32 Per Share; Nine Month 2024 Earnings of $1.07 Per Share EAU CLAIRE, WI, October 28, 2024 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.3 million and earnings per diluted share of

October 28, 2024 EX-99.3

2024 Third Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondin

2024 Third Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period then

October 28, 2024 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Portfolio Contractual Repricing Deposit Composition Commercial Deposit Concentrations Top 100 D

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Portfolio Contractual Repricing Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural

October 1, 2024 CORRESP

Citizens Community Bancorp, Inc. 2174 Eastridge Center Eau Claire, WI 54701

Citizens Community Bancorp, Inc. 2174 Eastridge Center Eau Claire, WI 54701 October 1, 2024 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street, N.E. Washington, D.C. 20549 Attention: Mr. Victor Cecco Mr. William Schroeder Re: Citizens Community Bancorp, Inc. Form 10-K for Fiscal Year Ended December 31, 2023 File No. 001-33003 Dear Messr

September 11, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 11, 2024 CITIZENS COMMUNI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 11, 2024 CITIZENS COMMUNITY BANCORP, INC.

September 11, 2024 EX-99.1

2024 Second Quarter Results Janney Financial Services Conference Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corr

2024 Second Quarter Results Janney Financial Services Conference Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month per

August 6, 2024 EX-10.3

Business Note, dated May 1, 2024, issued by Citizens Community Bancorp, Inc. to Chippewa Valley Bank (filed herewith)

below, according to the following schedule: BUSINESS NOTE (Use only for business purpose loans) $ ") atLender(" , Wisconsin, the sum of $ FOR LENDER CLERICAL USE ONLY LOAN OFFICER (MAKER) (DATE) THIS NOTE INCLUDES ADDITIONAL PROVISIONS ON PAGE 2.

August 6, 2024 EX-99.1

Citizens Community Bancorp, Inc. Clawback Policy (filed herewith)

Clawback Policy 1.0 Introduction The Board of Directors of the Company (the “Board”) believes that it is in the best interests of the Company and its shareholders to create and maintain a culture that emphasizes integrity and accountability and that reinforces the Company’s pay-for-performance compensation philosophy. The Board has therefore adopted this policy which provides for the recoupment of

August 6, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS CO

July 29, 2024 EX-99.1

Citizens Community Bancorp, Inc. Reports Second Quarter 2024 Earnings of $0.35 Per Share; Board of Directors Approves Additional 5% Stock Buyback Authorization; Criticized Assets Decreased 18%

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Second Quarter 2024 Earnings of $0.35 Per Share; Board of Directors Approves Additional 5% Stock Buyback Authorization; Criticized Assets Decreased 18% EAU CLAIRE, WI, July 29, 2024 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported e

July 29, 2024 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner O

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans

July 29, 2024 EX-99.3

2024 Second Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondi

2024 Second Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period the

July 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2024 CITIZENS COMMUNITY BANCORP, INC.

June 20, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 18, 2024 CITIZENS COMMUNITY BANCORP, INC.

May 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS C

May 8, 2024 EX-10.1

Fourth Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., Citizens Community Federal, N.A. and Stephen Bianchi, dated as of May 2, 2024 (incorporated by reference to Exhibit 10.1 to the Company's Form 10-Q filed on May 8, 2024 (File No. 001-33003)).

132199793v2 FOURTH AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Fourth Amended and Restated Executive Employment Agreement (the “Agreement”) is made effective as of May 2, 2024 (the “Effective Date”), by and between Citizens Community Bancorp, Inc.

May 8, 2024 EX-10.2

Third Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., Citizens Community Federal N.A. and James R. Broucek, dated as of May 2, 2024 (filed herewith)

132400423v1 THIRD AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Third Amended and Restated Executive Employment Agreement (the “Agreement”) is made effective as of May 2, 2024 (the “Effective Date”), by and between Citizens Community Bancorp, Inc.

April 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 29, 2024 CITIZENS COMMUNITY BANCORP, INC.

April 29, 2024 EX-99.3

2024 First Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondin

2024 First Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period then

April 29, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ý Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ý Definitive Proxy State

April 29, 2024 EX-99.1

Citizens Community Bancorp, Inc. Reports First Quarter 2024 Earnings of $0.39 Per Share; Nonperforming Assets Decreased 31%; Criticized Assets Decreased 25%

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports First Quarter 2024 Earnings of $0.39 Per Share; Nonperforming Assets Decreased 31%; Criticized Assets Decreased 25% EAU CLAIRE, WI, April 29, 2024 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $4.1 million and earning

April 29, 2024 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Oc

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2024 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans H

March 5, 2024 EX-21

Subsidiaries of the Company as of December 31, 2023 (filed herewith).

Exhibit 21 Subsidiaries of Citizens Community Bancorp, Inc. The following lists the direct and indirect subsidiaries of Citizens Community Bancorp, Inc.: Name of Subsidiary Jurisdiction of Incorporation or Organization Citizens Community Federal National Association Federal (U.S.)

March 5, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS COMMUN

March 5, 2024 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 5, 2024 CITIZENS COMMUNITY BANCORP, INC.

March 5, 2024 EX-10.18

Addendum No. 1 dated December 13, 2023 to the Second Amended and Restated Executive Employment Agreement dated April 21, 2022 by and between Citizens Community Federal, N.A. and with James S. Broucek (filed herewith).

1 Exhibit 10.18 ADDENDUM NO. 1 TO SECOND AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Addendum No. 1 is made this [•] day of December, 2023 (the “Effective Date”), to the Second Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the “Holding Company”) and its wholly- owned subsidiary, Citizens Community Federal,

March 5, 2024 EX-10.17

Addendum No. 1 dated December 13, 2023 to the Third Amended and Restated Executive Employment Agreement dated April 21, 2022 by and between Citizens Community Federal, N.A. and with Stephen M. Bianchi (filed herewith).

1 Exhibit 10.17 ADDENDUM NO. 1 TO THIRD AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Addendum No. 1 is made this [•] day of December, 2023 (the “Effective Date”), to the Third Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the “Holding Company”) and its wholly- owned subsidiary, Citizens Community Federal, N

February 14, 2024 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* Citizens Community Bancorp Inc/WI (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appr

February 13, 2024 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / MANULIFE FINANCIAL CORP - SC 13G/A Passive Investment

SC 13G/A 1 czwi4298391-sc13ga.htm SC 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 29, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to des

February 8, 2024 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / BANC FUNDS CO LLC - NONE Passive Investment

SC 13G/A 1 doc1.htm NONE UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designat

January 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 29, 2024 CITIZENS COMMUNITY BANCORP, INC.

January 29, 2024 EX-99.1

Citizens Community Bancorp, Inc. Reports 4Q2023 Earnings of $0.35 Per Share; Common Equity Increases 5%; Deposits Grew $46 million; Board of Directors Increase Annual Dividend 10% to $0.32 Per Share

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports 4Q2023 Earnings of $0.35 Per Share; Common Equity Increases 5%; Deposits Grew $46 million; Board of Directors Increase Annual Dividend 10% to $0.32 Per Share EAU CLAIRE, WI, January 29, 2024 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today r

January 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 29, 2024 CITIZENS COMMUNITY BANCORP, INC.

January 29, 2024 EX-99.1

2023 Fourth Quarter Results Earnings Release Presentation 2024 Janney CEO Forum for Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-e

2023 Fourth Quarter Results Earnings Release Presentation 2024 Janney CEO Forum for Exhibit 99.

January 29, 2024 EX-99.3

2023 Fourth Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondi

2023 Fourth Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e., fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period the

January 29, 2024 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner O

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans

December 15, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 13, 2023 CITIZENS COMMUNIT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 13, 2023 CITIZENS COMMUNITY BANCORP, INC.

November 20, 2023 EX-16.1

Letter, dated November 20, 2023, from Eide Bailly LLP to the Securities and Exchange Commission (incorporated by reference to Exhibit 16.1 to the Company’s Form 8-K filed on November 20, 2023 (File No. 001-330003)).

w w w . e i d e b a i l l y . c o m 800 Nicollet Mall, Ste. 1300 | Minneapolis, MN 55402-7033 | T 612.253.6500 | F 612.253.6600 | EOE EXHIBIT 16.1 November 20, 2023 Securities and Exchange Commission 100 F Street NE Washington, DC 20549 Commissioners: On November 17, 2023, we provided notice to Citizens Community Bancorp, Inc. (the Company) of our decision to not stand for reelection as the Compan

November 20, 2023 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 17, 2023 CITIZENS COMMUNITY BANCORP, INC.

November 3, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZE

November 3, 2023 EX-10.1

Business Note Renewal, Dated August 1, 2023, issued by Citizens Community Bancorp, Inc. to Chippewa Valley Bank (incorporated by reference to Exhibit 10.1 to the Company’s Form 10-Q filed on November 3, 2023 (File No, 001-33003)).

%. The daily interest rate will be calculated on the basis of a 365 day year, which means that it is calculated by dividing.365 Day Rate Calculation2) Customer understands andthe applicable stated interest rate in section 4(a), (b) or (c), above, as applicable, and in section 4(d), above, by 365. agrees that calculating the daily interest rate using a 365 day year means the actual annual interest

October 26, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2023 CITIZENS COMMUNITY BANCORP, INC.

October 26, 2023 EX-99.1

2023 Third Quarter Results Hovde Group Financial Services Conference 2023 Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or

2023 Third Quarter Results Hovde Group Financial Services Conference 2023 Exhibit 99.

October 24, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 24, 2023 CITIZENS COMMUNITY BANCORP, INC.

October 24, 2023 EX-99.1

Citizens Community Bancorp, Inc. Reports 3Q2023 Earnings of $0.24 Per Share Reflecting Tax Changes; Lower Future Effective Tax Rate Expected; Non-Performing Assets Decline: Net Interest Margin Expands

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports 3Q2023 Earnings of $0.24 Per Share Reflecting Tax Changes; Lower Future Effective Tax Rate Expected; Non-Performing Assets Decline: Net Interest Margin Expands EAU CLAIRE, WI, October 24, 2023 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today

October 24, 2023 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner Oc

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans H

October 24, 2023 EX-99.3

2023 Third Quarter Results Earnings Release Presentation Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (

2023 Third Quarter Results Earnings Release Presentation Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.

September 13, 2023 EX-99.1

2023 Second Quarter Results 2023 Janney Community Bank Forum Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-mont

2023 Second Quarter Results 2023 Janney Community Bank Forum Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.

September 13, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 13, 2023 CITIZENS COMMUNITY BANCORP, INC.

August 3, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS CO

July 24, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2023 CITIZENS COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2023 CITIZENS COMMUNITY BANCORP, INC.

July 24, 2023 EX-99.1

Citizens Community Bancorp, Inc. Reports Earnings of $0.31 Per Share in 2Q23; Tangible Book Value Increases, Specific Reserve Declines

Citizens Community Bancorp, Inc. Reports Earnings of $0.31 Per Share in 2Q23; Tangible Book Value Increases, Specific Reserve Declines EAU CLAIRE, WI, July 24, 2023 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.2 million and earnings per diluted share of $0.31 for the

July 24, 2023 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner O

ex992 EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating

July 11, 2023 SC 13G/A

CZWI / Citizens Community Bancorp Inc MD / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 9) * Citizens Community (CZWI) (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) 07/10/2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sch

June 21, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 20, 2023 CITIZENS COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 20, 2023 CITIZENS COMMUNITY BANCORP, INC.

May 4, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS C

April 28, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ý Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ý Definitive Proxy State

April 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2023 CITIZENS COMMUNITY B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2023 CITIZENS COMMUNITY BANCORP, INC.

April 25, 2023 EX-99.1

Citizens Community Bancorp, Inc. Reports Earnings of $0.35 Per Share in 1Q23; Deposit and Loan Balances Increase From Prior Quarter

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Earnings of $0.35 Per Share in 1Q23; Deposit and Loan Balances Increase From Prior Quarter EAU CLAIRE, WI, April 25, 2023 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.7 million and earnings per diluted share of $0

April 25, 2023 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner Oc

ex992 EXHIBIT 99.2 Earnings Release Supplement First Quarter 2023 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Deposit Composition Commercial Deposit Concentrations Top 100 Depositors Liquidity Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating L

March 7, 2023 EX-21

Subsidiaries of the Company as of December 31, 202

Exhibit 21 Subsidiaries of Citizens Community Bancorp, Inc. The following lists the direct and indirect subsidiaries of Citizens Community Bancorp, Inc.: Name of Subsidiary Jurisdiction of Incorporation or Organization Citizens Community Federal National Association Federal (U.S.)

March 7, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS COMMUN

March 7, 2023 EX-3.4

Amended and Restated Bylaws of the Registrant dated January 23, 2023 (incorporated by reference to Exhibit 3.4 to the Company's annual report on Form 10-K for the year ended December 31, 2022 filed on March 7, 2023 (File No. 001-33003)).

ex34 1 CITIZENS COMMUNITY BANCORP, INC. AMENDED AND RESTATED BYLAWS ARTICLE I - STOCKHOLDERS Section 1. ANNUAL MEETING The annual meeting of the stockholders of Citizens Community Bancorp, Inc. (the "Corporation") shall be held each year at such place, on such date, and at such time as the Board of Directors shall fix, in their discretion, or at such other time and date as may be fixed by or under

February 14, 2023 SC 13G/A

CZWI / Citizens Community Bancorp Inc. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Citizens Community Bancorp Inc/WI (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appr

February 14, 2023 SC 13G/A

CZWI / Citizens Community Bancorp Inc. / MANULIFE FINANCIAL CORP - AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SC 13G/A 1 cfg4164414-sc13ga.htm AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 30, 2022 (Date of Event which Req

February 6, 2023 SC 13G/A

CZWI / Citizens Community Bancorp Inc. / BANC FUNDS CO LLC - NONE Passive Investment

Schedule 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 01)* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule

January 24, 2023 EX-99.1

2022 Fourth Quarter Results Janney Bank CEO Forum Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-mo

2022 Fourth Quarter Results Janney Bank CEO Forum Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e. fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period then ended.

January 24, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 24, 2023 CITIZENS COMMUNITY BANCORP, INC.

January 23, 2023 EX-3.1

Amended and Restated Bylaws of Citizens Community Bancorp, Inc. dated January 23, 2023 (redlined to show amendments against the prior version)

EX-3.1 2 ex31.htm EX-3.1 CITIZENS COMMUNITY BANCORP, INC. AMENDED AND RESTATED BYLAWS ARTICLE I - STOCKHOLDERS Section 1. ANNUAL MEETING The annual meeting of the stockholders of Citizens Community Bancorp, Inc. (the "Corporation") shall be held each year at such place, on such date, and at such time during the 31-day period beginning on the 31st in January of each year as the Board of Directors s

January 23, 2023 EX-99.3

2022 Fourth Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondi

2022 Fourth Quarter Results Earnings Release Presentation Exhibit 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e. fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding three-month period then

January 23, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 23, 2023 CITIZENS COMMUNITY BANCORP, INC.

January 23, 2023 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Construct

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Campground Loans Credit Quality/Risk Rating Descriptio

January 23, 2023 EX-99.1

Citizens Community Bancorp, Inc. Reports Earnings of $0.45 Per Share in 4Q22 and $1.69 Per Share in 2022; Net Loan Growth Up 2.6% From Prior Quarter; Board of Directors Increase Annual Dividend 12% to $0.29 Per Share

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Earnings of $0.45 Per Share in 4Q22 and $1.69 Per Share in 2022; Net Loan Growth Up 2.6% From Prior Quarter; Board of Directors Increase Annual Dividend 12% to $0.29 Per Share EAU CLAIRE, WI, January 23, 2023 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “

January 23, 2023 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 23, 2023 CITIZENS COMMUNITY BANCORP, INC.

November 7, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZE

November 7, 2022 EX-10.1

Business Note Renewal, Dated August 1, 2022, issued by Citizens Community Bancorp, Inc. to Chippewa Valley Bank (incorporated by reference to Exhibit 10.1 to the Company's Form 10-Q filed on November 7, 2022 (File No. 001-33003)).

ex101 %. The daily interest rate will be calculated on the basis of a 365 day year, which means that it is calculated by dividing.365 Day Rate Calculation2) Customer understands andthe applicable stated interest rate in section 4(a), (b) or (c), above, as applicable, and in section 4(d), above, by 365. agrees that calculating the daily interest rate using a 365 day year means the actual annual int

October 31, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 31, 2022 CITIZENS COMMUNITY BANCORP, INC.

October 31, 2022 EX-99.1

2022 Third Quarter Results Hovde Group 2022 Financial Services Conference Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspo

2022 Third Quarter Results Hovde Group 2022 Financial Services Conference Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.

October 24, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 24, 2022 CITIZENS COMMUNITY BANCORP, INC.

October 24, 2022 EX-99.3

2022 Third Quarter Results Earnings Release Presentation EXHIBIT 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the correspondin

2022 Third Quarter Results Earnings Release Presentation EXHIBIT 99.3 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e. fiscal year) then ended. ?MMM-YY? refers to either the corresponding quarter-end date, or the corresponding three-month period then

October 24, 2022 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Constructi

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures Non?Owner Occupied CRE Owner Occupied CRE Multi?family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Campground Loans Credit Quality/Risk Rating Description

October 24, 2022 EX-99.1

Citizens Community Bancorp, Inc. Reports Earnings Of $0.38 Per Share in 3Q22; Net Interest Income Increases; Net Loan Growth Up 2.2% From Prior Quarter

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Earnings Of $0.38 Per Share in 3Q22; Net Interest Income Increases; Net Loan Growth Up 2.2% From Prior Quarter EAU CLAIRE, WI, October 24, 2022 - Citizens Community Bancorp, Inc. (the ?Company?) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the ?Bank? or ?CCFBank?), today reported earnings of $4.0 million and earnings p

September 16, 2022 EX-99.1

PRESS RELEASE FOR IMMEDIATE RELEASE For more information contact Stephen Bianchi, Chief Executive Officer 2174 Eastridge Center, Eau Claire, WI 54701 (715) 836-9994 Ext. 11007 | [email protected] www.ccf.us Citizens Community Federal National Associati

PRESS RELEASE FOR IMMEDIATE RELEASE For more information contact Stephen Bianchi, Chief Executive Officer 2174 Eastridge Center, Eau Claire, WI 54701 (715) 836-9994 Ext.

September 16, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 15, 2022 CITIZENS COMMUNITY BANCORP, INC.

September 13, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 13, 2022 CITIZENS COMMUNITY BANCORP, INC.

September 13, 2022 EX-99.1

2022 Second Quarter Results 2022 Janney Community Bank Forum Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-mont

2022 Second Quarter Results 2022 Janney Community Bank Forum Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.

August 4, 2022 EX-10.2

Second Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., Citizens Community Federal, N.A. and James S. Broucek, dated as of April 21, 2022 (incorporated by reference to Exhibit 10.2 to the Company's Form 10-Q filed on August 4, 2022 (File No. 001-33003)).

72903894v2 EXHIBIT 10.2 SECOND AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Second Amended and Restated Executive Employment Agreement (the ?Agreement?) is made effective as of [?], 2022 (the ?Effective Date?), by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the ?Holding Company?) and its wholly- owned subsidiary, Citizens Community Federal, N.A., a national b

August 4, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS CO

August 4, 2022 EX-10.1

Third Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., Citizens Community Federal, N.A., and Stephen Bianchi, dated as of April 21, 2022 (filed herewith).

72903762v2 EXHIBIT 10.1 THIRD AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Third Amended and Restated Executive Employment Agreement (the ?Agreement?) is made effective as of this [?] day of [?], 2022 (the ?Effective Date?), by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the ?Holding Company?) and its wholly- owned subsidiary, Citizens Community Federal, N.A.

July 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2022 CITIZENS COMMUNITY BANCORP, INC.

July 25, 2022 EX-99.1

2022 Second Quarter Results Earnings Release Presentation Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months

2022 Second Quarter Results Earnings Release Presentation Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.

July 25, 2022 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures COVID‐19 Related Loan Deferrals Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commerc

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures COVID?19 Related Loan Deferrals Non?Owner Occupied CRE Owner Occupied CRE Multi?family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Campground Loans Credi

July 25, 2022 EX-99.1

Citizens Community Bancorp, Inc. Reports Earnings Of $0.41 Per Share in 2Q22; Net Interest Margin Expands to 3.46% Originated Loans Up 6.0% From Prior Quarter

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Earnings Of $0.41 Per Share in 2Q22; Net Interest Margin Expands to 3.46% Originated Loans Up 6.0% From Prior Quarter EAU CLAIRE, WI, July 25, 2022 - Citizens Community Bancorp, Inc. (the ?Company?) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the ?Bank? or ?CCFBank?), today reported earnings of $4.4 million and earnin

July 25, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2022 CITIZENS COMMUNITY BANCORP, INC.

June 24, 2022 8-K

Material Modification to Rights of Security Holders, Triggering Events That Accelerate or Increase a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 21, 2022 CITIZENS COMMUNITY BANCORP, INC.

June 14, 2022 EX-99.1

2022 First Quarter Results Piper Sandler Upper Midwest Bank Tour Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-

2022 First Quarter Results Piper Sandler Upper Midwest Bank Tour Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.

June 14, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 14, 2022 CITIZENS COMMUNITY BANCORP, INC.

May 4, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS C

April 29, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEF 14A 1 def14a20211231.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ý Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule

April 25, 2022 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commerci

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2022 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Campground Loans Credit

April 25, 2022 EX-99.1

Citizens Community Bancorp, Inc. Reports Earnings Per Share $0.45 Per Share in 1Q22; Bank Capital Base Strengthened

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Reports Earnings Per Share $0.45 Per Share in 1Q22; Bank Capital Base Strengthened EAU CLAIRE, WI, April 25, 2022 - Citizens Community Bancorp, Inc. (the ?Company?) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the ?Bank? or ?CCFBank?), today reported earnings of $4.7 million and earnings per diluted share of $0.45 for the quar

April 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2022 CITIZENS COMMUNITY BANCORP, INC.

April 25, 2022 EX-99.1

2022 First Quarter Results First Quarter Investor Deck Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding

2022 First Quarter Results First Quarter Investor Deck Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e. fiscal year) then ended. ?MMM-YY? refers to either the corresponding quarter-end date, or the corresponding three-month period then en

April 25, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 21, 2022 CITIZENS COMMUNITY BANCORP, INC.

April 25, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2022 CITIZENS COMMUNITY BANCORP, INC.

March 14, 2022 EX-4.1

Form of Subordinated Note Purchase Agreement (incorporated by reference to Exhibit 4.1 to the Company’s current report on Form 8-K filed on March 14, 2022 (File No. 001-33003)).

72622817v6 EXHIBIT 4.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of March 11, 2022, and is made by and among Citizens Community Bancorp, Inc., a Maryland corporation (?Company?), and the several purchasers of the Subordinated Notes named on Schedule I hereto (each a ?Purchaser? and collectively, the ?Purchasers?). RECITALS WHEREAS

March 14, 2022 8-K

Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 11, 2022 CITIZENS COMMUNITY BANCORP, INC.

March 14, 2022 EX-4.3

Form of Global Subordinated Note (incorporated by reference to Exhibit 4.3 to the Company’s current report on Form 8-K filed on March 14, 2022 (File No. 001-33003)).

72647711v8 EXHIBIT 4.3 FORM OF GLOBAL SUBORDINATED NOTE 4.75% Fixed to Floating Rate Subordinated Note due April 1, 2032 THIS OBLIGATION (THIS ?SUBORDINATED NOTE?) IS NOT A DEPOSIT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (THE ?FDIC?) OR ANY OTHER GOVERNMENT AGENCY OR FUND. THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO

March 14, 2022 EX-4.2

Form of Subordinated Note (incorporated by reference to Exhibit 4.2 to the Company’s current report on Form 8-K filed on March 14, 2022 (File No. 001-33003)).

EXHIBIT 4.2 FORM OF SUBORDINATED NOTE 4.75% Fixed to Floating Rate Subordinated Note due April 1, 2032 THIS OBLIGATION (THIS ?SUBORDINATED NOTE?) IS NOT A DEPOSIT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (THE ?FDIC?) OR ANY OTHER GOVERNMENT AGENCY OR FUND. THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO THE CLAIMS OF CRE

March 2, 2022 EX-10.19

Note Modification Agreement, dated October 20, 2021, to the Business Note, dated October 22, 2020 issued by Citizens Community Bancorp, Inc. to Chippewa Valley Bank (incorporated by reference to Exhibit 10.19 to the Company's Form 10-K filed on March 2, 2022 (File No. 001-33003)).

the amount of each paymentAn adjustment in the Note Rate will result in an increase or decrease in (1) the number of scheduled periodic paymentsthe amount of the final payment, (3) of interest, (2) the amount of each remaining paymentsufficient to repay this Note in substantially equal payments, (4) of principal and interest so that those remaining payments will be substantially equal and sufficie

March 2, 2022 EX-10.12

Form of Citizens Community Bancorp, Inc. Long Term Incentive Plan Award Agreement for Performance-Based Restricted Shares (incorporated by reference to Exhibit 10.12 to the Company's Form 10-K filed on March 2, 2022 (File No. 001-33003)).

72402867v1 CITIZENS COMMUNITY BANCORP, INC. LONG-TERM INCENTIVE PLAN AWARD AGREEMENT FOR PERFORMANCE-BASED RESTRICTED SHARES Award Date: RS No. I. The Award and the Plan. As of the Award Date set forth above (the ?Award Date?), Citizens Community Bancorp, Inc. (the ?Company?) grants to (?you?) the award (the ?Award?) stated in this Long-Term Incentive Plan Award Agreement (this ?Agreement?). The A

March 2, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS COMMUN

March 2, 2022 EX-10.11

Form of Citizens Community Bancorp, Inc. Long Term Incentive Plan Award Agreement for Time-Based Restricted Shares (incorporated by reference to Exhibit 10.11 to the Company's Form 10-K filed on March 2, 2022 (File No. 001-33003)).

72402611v1 CITIZENS COMMUNITY BANCORP, INC. LONG-TERM INCENTIVE PLAN AWARD AGREEMENT FOR TIME-BASED RESTRICTED SHARES Award Date: RS No. I. The Award and the Plan. As of the Award Date set forth above (the ?Award Date?), Citizens Community Bancorp, Inc. (the ?Company?) grants to (?you?) the award (the ?Award?) stated in this Long-Term Incentive Plan Award Agreement (this ?Agreement?). The Award co

March 2, 2022 EX-10.5

First Amendment to Citizens Community Bancorp, Inc. 2018 Equity Incentive Plan (incorporated by reference to Exhibit 10.5 to the Company's Form 10-K filed on March 2, 2022 (File No. 001-33003)).

72358609v1 FIRST AMENDMENT TO CITIZENS COMMUNITY BANCORP, INC. 2018 EQUITY INCENTIVE PLAN THIS FIRST AMENDMENT TO THE CITIZENS COMMUNITY BANCORP, INC. 2018 EQUITY INCENTIVE PLAN (this ?Amendment?) is made effective as of March 2, 2022. RECITALS A. Citizens Community Bancorp, Inc., a Maryland corporation (the ?Company?), adopted that certain 2018 Equity Incentive Plan (the ?Plan?). B. Section 10.2

March 2, 2022 EX-21

Subsidiaries of the Company as of December 31, 202

Exhibit 21 Subsidiaries of Citizens Community Bancorp, Inc. The following lists the direct and indirect subsidiaries of Citizens Community Bancorp, Inc.: Name of Subsidiary Jurisdiction of Incorporation or Organization Citizens Community Federal National Association Federal (U.S.)

February 16, 2022 SC 13G

CZWI / Citizens Community Bancorp Inc. / MANULIFE FINANCIAL CORP - SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: X Rul

February 14, 2022 SC 13G

CZWI / Citizens Community Bancorp Inc. / ALLIANCEBERNSTEIN L.P. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Citizens Community Bancorp Inc/WI (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to w

February 14, 2022 SC 13G/A

CZWI / Citizens Community Bancorp Inc. / Fourthstone LLC - AMENDMENT TO FORM SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 5)* Under the Securities Exchange Act of 1934 Citizens Community Bancorp, Inc (Name of Issuer) Common Stock, $.01 par value (Titles of Class of Securities) 174903104 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the

February 7, 2022 SC 13G/A

CZWI / Citizens Community Bancorp Inc. / BANC FUNDS CO LLC - NONE Passive Investment

Schedule 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 01)* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule

January 31, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2022 CITIZENS COMMUNITY BANCORP, INC.

January 31, 2022 EX-99.1

Citizens Community Bancorp, Inc. Earnings Per Share Increase 81% to $0.58 Per Share in 4Q21 from 4Q20; 2021 Record Annual Earnings of $21.3 Million; Quarterly Loan Growth of $83 Million Excluding PPP Loan Paydowns; 2022 Annual Dividend Increase of 13

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earnings Per Share Increase 81% to $0.58 Per Share in 4Q21 from 4Q20; 2021 Record Annual Earnings of $21.3 Million; Quarterly Loan Growth of $83 Million Excluding PPP Loan Paydowns; 2022 Annual Dividend Increase of 13% to $0.26 Per Share EAU CLAIRE, WI, January 31, 2022 - Citizens Community Bancorp, Inc. (the ?Company?) (Nasdaq: CZWI), the parent compa

January 31, 2022 EX-99.1

Exhibit 99.1 PRESS RELEASE FOR IMMEDIATE RELEASE For more information contact Stephen Bianchi, Chief Executive Officer 2174 Eastridge Center, Eau Claire, WI 54701 (715) 836-9994 Ext. 11007 | [email protected] www.ccf.us Citizens Community Federal Natio

EX-99.1 2 ex991.htm EX-99.1 Exhibit 99.1 PRESS RELEASE FOR IMMEDIATE RELEASE For more information contact Stephen Bianchi, Chief Executive Officer 2174 Eastridge Center, Eau Claire, WI 54701 (715) 836-9994 Ext. 11007 | [email protected] www.ccf.us Citizens Community Federal National Association Appoints New Board Member Altoona, WI, January 31, 2022 – Citizens Community Federal National Association

January 31, 2022 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures COVID‐19 Related Loan Deferrals Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commerc

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Cautionary Notes and Additional Disclosures COVID?19 Related Loan Deferrals Non?Owner Occupied CRE Owner Occupied CRE Multi?family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Campground Loans Credi

January 31, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2022 CITIZENS COMMUNITY BANCORP, INC.

January 31, 2022 EX-99.1

Fourth Quarter Results 2022 Janney Bank CEO Forum Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-mo

EX-99.1 2 ex991.htm EX-99.1 Fourth Quarter Results 2022 Janney Bank CEO Forum Exhibit 99.1 Cautionary Notes and Additional Disclosures 2 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e. fiscal year) then ended. “MMM-YY” refers to either the corresponding quarter-end date, or the corresponding thr

January 31, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2022 CITIZENS COMMUNITY BANCORP, INC.

November 8, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZE

November 8, 2021 EX-10.1

Business Note Renewal, dated August 1, 2021, issued by Citizens Community Bancorp, Inc. to Chippewa Valley Bank (incorporated by reference to the Exhibit 10.1 to the Company’s quarterly report on Form 10-Q filed on November 8, 2021 (File No. 001-33003)).

EX-10.1 2 ex101.htm EX-10.1 %. The daily interest rate will be calculated on the basis of a 365 day year, which means that it is calculated by dividing.365 Day Rate Calculation2) Customer understands andthe applicable stated interest rate in section 4(a), (b) or (c), above, as applicable, and in section 4(d), above, by 365. agrees that calculating the daily interest rate using a 365 day year means

October 25, 2021 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __,Exhibit 99.1 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 2021 Third Quarter Results Citizens Community Banc

Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October ,Exhibit 99.1 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 2021 Third Quarter Results Citizens Community Bancorp Inc. 2021 Hovde Group Financial Services Conference DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end

October 25, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 25, 2021 CITIZENS COMMUNITY BANCORP, INC.

October 25, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 25, 2021 CITIZENS COMMUNITY BANCORP, INC.

October 25, 2021 EX-99.1

Citizens Community Bancorp, Inc. Earnings Increase 44% to $0.47 Per Share in 3Q21 from 3Q20; 2021 Record Nine Month Earnings of $15.2 million; Quarterly Loan Growth of $109 Million Excluding PPP Loan Paydowns

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earnings Increase 44% to $0.47 Per Share in 3Q21 from 3Q20; 2021 Record Nine Month Earnings of $15.2 million; Quarterly Loan Growth of $109 Million Excluding PPP Loan Paydowns EAU CLAIRE, WI, October 25, 2021 - Citizens Community Bancorp, Inc. (the ?Company?) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the ?Bank? or ?CCFBank?

October 25, 2021 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID‐19 Related Loan Deferrals Non‐Owner Occupied CRE Owner Occupied CRE Multi‐family Commercial & Industrial Loans Const

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID?19 Related Loan Deferrals Non?Owner Occupied CRE Owner Occupied CRE Multi?family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Credit Quality/Risk Rating Descriptions Loans by R

September 16, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 16, 2021 CITIZENS COMMUNITY BANCORP, INC.

September 16, 2021 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __, 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 2021 Second Quarter Results Citizens Community Bancorp Inc. Ja

Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October , 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 2021 Second Quarter Results Citizens Community Bancorp Inc. Janney Community Bank Conference Exhibit 99.1 DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding fiscal year-end date or the

August 5, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS CO

July 26, 2021 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Cons

EXHIBIT 99.2 Earnings Release Supplement Second Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Credit Quality/Risk Rating Descriptions Loans by

July 26, 2021 EX-99.1

Citizens Community Bancorp, Inc. Earnings Increase 53% to $4.7 Million, or $0.44 Per Share in 2Q21 from 2Q20; 2021 Record Six Month Earnings of $10.2 million, Increase of 80% from 2020; Annualized Gross Loan Growth of 12% and Asset Quality Continues

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earnings Increase 53% to $4.7 Million, or $0.44 Per Share in 2Q21 from 2Q20; 2021 Record Six Month Earnings of $10.2 million, Increase of 80% from 2020; Annualized Gross Loan Growth of 12% and Asset Quality Continues to Improve; Board Approves 5% Stock Repurchase Program EAU CLAIRE, WI, July 26, 2021 - Citizens Community Bancorp, Inc. (the ?Company?) (

July 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 26, 2021 CITIZENS COMMUNITY BANCORP, INC.

June 23, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 22, 2021 CITIZENS COMMUNITY BANCORP, INC.

June 10, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 10, 2021 CITIZENS COMMUNITY BANCORP, INC.

June 10, 2021 EX-3.1

Amendment to the Bylaws of Citizens Community Bancorp, Inc. dated June 10, 2021 (incorporated by reference to Exhibit 3.1 to the Company’s current report on Form 8-K filed on June 10, 2021 (File No. 001-33003)).

EX-3.1 2 ex31.htm EX-3.1 Exhibit 3.1 AMENDMENT TO THE BYLAWS OF CITIZENS COMMUNITY BANCORP, INC. Effective as of June 10, 2021, the Board of Directors of Citizens Community Bancorp, Inc. (the “Corporation”) hereby amends ARTICLE I - STOCKHOLDERS, Section 10 – CONTROL SHARE ACQUISITION ACT of the Bylaws of the Corporation and restates such Section in its entirety as follows: Section 10. CONTROL SHA

June 4, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 4, 2021 CITIZENS COMMUNITY BANCORP, INC.

June 4, 2021 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus DatedeXExhibit 99.1 October __, 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 2021 First Quarter Results Citizens Community Ba

Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus DatedeXExhibit 99.1 October , 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 2021 First Quarter Results Citizens Community Bancorp Inc. Piper Sandler Hosted [Virtual] Upper Midwest Bank Field Trip DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding

May 6, 2021 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS C

May 4, 2021 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __, 201eXHIBIT 99.1eXExhibit 99.15 Relating to Preliminary Prospectus Supplement Dated October __, 2015 2021 First Quarter Results Citizens

Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October , 201eXHIBIT 99.1eXExhibit 99.15 Relating to Preliminary Prospectus Supplement Dated October , 2015 2021 First Quarter Results Citizens Community Bancorp Inc. D.A. Davidson Financial Institutions Conference DATES AND PERIODS PRESENTED Unless otherwise noted, ?20YY? refers to either the corresponding

May 4, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 4, 2021 CITIZENS COMMUNITY BANCORP, INC.

April 30, 2021 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy State

April 26, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 26, 2021 CITIZENS COMMUNITY BANCORP, INC.

April 26, 2021 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Const

EXHIBIT 99.2 Earnings Release Supplement First Quarter 2021 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial & Industrial Loans Construction & Development Loans Agricultural Real Estate & Operating Loans Hotel Loans Restaurant Loans Credit Quality/Risk Rating Descriptions Loans by R

April 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 26, 2021 CITIZENS COMMUNITY BANCORP, INC.

April 26, 2021 EX-99.1

Citizens Community Bancorp, Inc. To Participate in a Series of Investor Meetings

Exhibit 99.1 Citizens Community Bancorp, Inc. To Participate in a Series of Investor Meetings EAU CLAIRE, WI, April 26, 2021 - Citizens Community Bancorp, Inc. (the ?Company?) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the ?Bank? or ?CCFBank?), today announced that Steve Bianchi, Chairman, President and Chief Executive Officer, and Jim Broucek, EVP and Chief Financial O

April 26, 2021 EX-99.1

Citizens Community Bancorp, Inc. Earns $5.5 Million, or $0.50 Per Share in 1Q21; Record Quarterly Earnings Increase 54% from 4Q20 Earnings; Asset Quality Continues to Improve

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earns $5.5 Million, or $0.50 Per Share in 1Q21; Record Quarterly Earnings Increase 54% from 4Q20 Earnings; Asset Quality Continues to Improve EAU CLAIRE, WI, April 26, 2021 - Citizens Community Bancorp, Inc. (the ?Company?) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the ?Bank? or ?CCFBank?), today reported earnings of $5.5 m

March 8, 2021 10-K

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS COMMUN

March 8, 2021 EX-21

Subsidiaries of the Company as of December 31, 20

Exhibit 21 Subsidiaries of Citizens Community Bancorp, Inc. The following lists the direct and indirect subsidiaries of Citizens Community Bancorp, Inc.: Name of Subsidiary Jurisdiction of Incorporation or Organization Citizens Community Federal National Association Federal (U.S.)

March 8, 2021 EX-10.9

Form of Citizens Community Bancorp, Inc. 2020 Long Term Incentive Plan Award Agreement (incorporated by reference to Exhibit 10.9 to the Company's annual report on Form 10-K filed on March 8, 2021 (file No. 001-33003)).

EX-10.9 2 ex109.htm EX-10.9 11415293v2 CITIZENS COMMUNITY BANCORP, INC. LONG-TERM INCENTIVE PLAN AWARD AGREEMENT Award Date: RS No. I. The Award and the Plan. As of the Award Date set forth above (the “Award Date”), Citizens Community Bancorp, Inc. (the “Company”) grants to (“you”) the award (the “Award”) stated in this Long-Term Incentive Plan Award Agreement (this “Agreement”). The Award consist

February 17, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 4)* Under the Securities Exchange Act of 1934 Citizens Community Bancorp, Inc (Name of Issuer) Common Stock, $.01 par value (Titles of Class of Secu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 4)* Under the Securities Exchange Act of 1934 Citizens Community Bancorp, Inc (Name of Issuer) Common Stock, $.01 par value (Titles of Class of Securities) 174903104 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the

February 9, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 01)* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) (CUSIP Num

Schedule 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 01)* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule

February 4, 2021 SC 13G/A

SCHEDULE 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* CITIZENS COMMUNITY BANCORP, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

February 1, 2021 EX-99.1

Filed Pursuant to Rule 433 ExEXHIBIT 99.12015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 2020 Fourth Quarter Results Citizens Community Bancorp Inc. Janneys’ Virtual CEO Forum DATES AND PERIODS PRESENTED Unless otherwise not

ex991 Filed Pursuant to Rule 433 ExEXHIBIT 99.12015 Relating to Preliminary Prospectus Supplement Dated October , 2015 2020 Fourth Quarter Results Citizens Community Bancorp Inc. Janneys’ Virtual CEO Forum DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-end date or the corresponding 12-months (i.e. fiscal year) then ended. “MMM-YY” refers t

February 1, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 1, 2021 CITIZENS COMMUNITY BANCORP, INC.

January 28, 2021 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial and Industrial Loans Co

ex992 EXHIBIT 99.2 Earnings Release Supplement Fourth Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles COVID-19 Related Loan Deferrals Non-Owner Occupied CRE Owner Occupied CRE Multi-family Commercial and Industrial Loans Construction and Development Loans Agricultural Real Estate and Operating Loans Hotel Loans Restaurant Loans Credit Quality/Risk Rating Descriptio

January 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 28, 2021 CITIZENS COMMUNITY BANCORP, INC.

January 28, 2021 EX-99.1

Citizens Community Bancorp, Inc. Earns $3.6 Million, or $0.32 Per Share in 4Q20; Record 2020 Annual Earnings Increase 34% from Prior Year Annual Earnings; Asset Quality Continues to Improve; 2021 Annual Cash Dividend Increases to $0.23 Per Share

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earns $3.6 Million, or $0.32 Per Share in 4Q20; Record 2020 Annual Earnings Increase 34% from Prior Year Annual Earnings; Asset Quality Continues to Improve; 2021 Annual Cash Dividend Increases to $0.23 Per Share EAU CLAIRE, WI, January 28, 2021 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community

December 4, 2020 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __, 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 2020 Third Quarter Results Citizens Community Bancorp Inc. Ray

ex991 Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October , 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 2020 Third Quarter Results Citizens Community Bancorp Inc. Raymond James Emerging Markets Conference EXHIBIT 99.1 DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to either the corresponding fiscal year-e

December 4, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 4, 2020 CITIZENS COMMUNITY BANCORP, INC.

December 1, 2020 8-K

Other Events - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 30, 2020 CITIZENS COMMUNITY BANCORP, INC.

November 6, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZE

November 6, 2020 EX-10.1

Business Note, dated October 22, 2020, issued by Citizens Community Bancorp, Inc. to Chippewa Valley Bank incorporated by reference to the Exhibit 10.1 to the Company’s quarterly report on Form 10-Q filed on November 6, 2020 (File No. 001-33003)).

ex101 Loan Number: 52496 Exhibit 10.1 BUSINESS eFIPCO W. B. A. 451 (4/20/20) 11221 BUSINESS NOTE Boxes checked are applicable. © 2020 Wisconsin Bankers Association/Distributed by FIPCO® (Use only for business purpose loans) Boxes not checked are inapplicable. Citizens Community Bancorp, Inc. October 22, 2020 $ 28,856,388.88 (MAKER) (DATE) 1. Promise to Pay and Payment Schedule. The undersigned ("M

October 27, 2020 EX-99.1

Citizens Community Bancorp, Inc. Earns $3.5 Million, or $0.31 Per Share in 3Q20 Criticized Assets Decline 27% Nonperforming Assets Decline 14.3%

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earns $3.5 Million, or $0.31 Per Share in 3Q20 Criticized Assets Decline 27% Nonperforming Assets Decline 14.3% EAU CLAIRE, WI, October 27, 2020 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $3.5 million, or $0.31 per share f

October 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 27, 2020 CITIZENS COMMUNITY BANCORP, INC.

October 27, 2020 EX-99.2

EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles Page(s) COVID-19 Related Loan Deferrals 2 Non-Owner Occupied CRE 3 Owner Occupied CRE 4 Multi-family 5 Commercial and Indu

ex992 EXHIBIT 99.2 Earnings Release Supplement Third Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles Page(s) COVID-19 Related Loan Deferrals 2 Non-Owner Occupied CRE 3 Owner Occupied CRE 4 Multi-family 5 Commercial and Industrial Loans 6 Construction and Development Loans 7 Agricultural Real Estate and Operating Loans 8 Hotel Loans 9 Restaurant Loans 10 Commercial

September 8, 2020 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __, 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 Citizens Community Bancorp Inc. Janney 2020 Virtual Community

a8kjanney Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October , 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 Citizens Community Bancorp Inc. Janney 2020 Virtual Community Bank Forum 2020 Second Quarter Results 1 Cautionary Notes and Additional Disclosures DATES AND PERIODS PRESENTED Unless otherwise noted, “20YY” refers to e

September 8, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 8, 2020 CITIZENS COMMUNITY BANCORP, INC.

August 27, 2020 8-K

Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 27, 2020 CITIZENS COMMUNITY BANCORP, INC.

August 27, 2020 EX-4.2

Form of Subordinated Note (incorporated by reference to Exhibit 4.2 to the Company’s current report on Form 8-K filed on August 27, 2020 (File No. 001-33003)).

ex42 EXHIBIT 4.2 FORM OF SUBORDINATED NOTE 6.00% Fixed to Floating Rate Subordinated Note due September 1, 2030 THIS OBLIGATION (THIS “SUBORDINATED NOTE”) IS NOT A DEPOSIT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (THE “FDIC”) OR ANY OTHER GOVERNMENT AGENCY OR FUND. THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO THE CLAI

August 27, 2020 EX-4.1

Form of Subordinated Note Purchase Agreement dated August 27, 2020 (incorporated by reference to Exhibit 4.1 to the Company’s current report on Form 8-K filed on August 27, 2020 (File No. 001-33003)).

ex41 EXHIBIT 4.1 EXECUTION COPY SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of August 27, 2020, and is made by and among Citizens Community Bancorp, Inc., a Maryland corporation (“Company”), and the several purchasers of the Subordinated Notes named on Schedule I hereto (each a “Purchaser” and collectively, the “Purchasers”). RECITA

August 17, 2020 8-K

Costs Associated with Exit or Disposal Activities - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 12, 2020 CITIZENS COMMUNITY BANCORP, INC.

August 6, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS CO

July 31, 2020 EX-99.1

Exhibit 99.1 Earnings Release Supplement Second Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles Page(s) CZWI Focus Items 1 COVID-19 Related Loan Deferrals 2 Non-Owner Occupied CRE 3 Owner Occupied CRE 4 Multi-family 5

ex991ersup Exhibit 99.1 Earnings Release Supplement Second Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles Page(s) CZWI Focus Items 1 COVID-19 Related Loan Deferrals 2 Non-Owner Occupied CRE 3 Owner Occupied CRE 4 Multi-family 5 Construction and Development Loans 6 Commercial and Industrial Loans 7 Agricultural Real Estate and Operating Loans 8 Commercial Real Esta

July 31, 2020 8-K/A

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 30, 2020 CITIZENS COMMUNITY BANCORP, INC.

July 30, 2020 EX-99.2

Exhibit 99.2 Earnings Release Supplement Second Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles Page(s) CZWI Focus Items 2 COVID-19 Related Loan Deferrals 3 Non-Owner Occupied CRE 4 Owner Occupied CRE 5 Multi-family 6

ex992 Exhibit 99.2 Earnings Release Supplement Second Quarter 2020 Citizens Community Bancorp, Inc. Table of Contents Segment Profiles Page(s) CZWI Focus Items 2 COVID-19 Related Loan Deferrals 3 Non-Owner Occupied CRE 4 Owner Occupied CRE 5 Multi-family 6 Construction and Development Loans 7 Commercial and Industrial Loans 8 Agricultural Real Estate and Operating Loans 9 Commercial Real Estate by

July 30, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2020 CITIZENS COMMUNITY BANCORP, INC.

July 30, 2020 EX-99.1

Citizens Community Bancorp, Inc. Earns $3.1 Million, or $0.28 Per Share in 2Q20. SBA Paycheck Protection Program Loan Production of $137 Million, Record Mortgage Originations of $82 Million

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earns $3.1 Million, or $0.28 Per Share in 2Q20. SBA Paycheck Protection Program Loan Production of $137 Million, Record Mortgage Originations of $82 Million EAU CLAIRE, WI, July 30, 2020 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earn

June 24, 2020 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 23, 2020 CITIZENS COMMUNITY BANCORP, INC.

June 8, 2020 8-K/A

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 23, 2020 CITIZENS COMMUNITY BANCORP, INC.

May 11, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS C

May 5, 2020 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __, 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 Citizens Community Bancorp Inc. DA Davidson Investor Conferenc

czwi20200505 Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October , 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 Citizens Community Bancorp Inc. DA Davidson Investor Conference May 2020 First Quarter Result 1 Cautionary Notes and Additional Disclosures CAUTIONARY NOTE REGARDING FORWARD LOOKING STATEMENTS This presentation con

May 5, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 5, 2020 CITIZENS COMMUNITY BANCORP, INC.

April 28, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2020 CITIZENS COMMUNITY BANCORP, INC.

April 28, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 23, 2020 CITIZENS COMMUNITY BANCORP, INC.

April 28, 2020 EX-3.1

Amendment to the Bylaws of Citizens Community Bancorp, Inc. dated April 23, 2020 (incorporated by reference Exhibit 3.1 to the Company’s current report on Form 8-K filed on April 28, 2020 (file No. 001-33003)).

Exhibit 3.1 AMENDMENT TO THE BYLAWS OF CITIZENS COMMUNITY BANCORP, INC. Effective as of April 23, 2020, the Board of Directors of Citizens Community Bancorp, Inc. (the “Corporation”) hereby amends ARTICLE I - STOCKHOLDERS, Section 10 – CONTROL SHARE ACQUISITION ACT of the Bylaws of the Corporation and restates such Section in its entirety as follows: Section 10. CONTROL SHARE ACQUISITION ACT. Notw

April 28, 2020 EX-10.1

Addendum No. 1 to the Second Amended and Restated Executive Employment Agreement with Stephen Bianchi, dated April 23, 2020 (incorporated by reference Exhibit 10.1 to the Company’s current report on Form 8-K filed on April 28, 2020 (File No. 001-33003)).

Exhibit 10.1 ADDENDUM NO. 1 TO SECOND AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Addendum No. 1 is made this 23rd day of April, 2020 (the “Effective Date”), to the Second Amended and Restated Executive Employment Agreement between by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the “Holding Company”) and its wholly-owned subsidiary, Citizens Community Federa

April 28, 2020 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ý Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ý Definitive Proxy State

April 28, 2020 EX-99.1

Citizens Community Bancorp, Inc. Earns $2.6 Million, or $0.23 Per Share, in 1Q20. First Quarter Highlighted by COVID 19 Preparation

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earns $2.6 Million, or $0.23 Per Share, in 1Q20. First Quarter Highlighted by COVID 19 Preparation EAU CLAIRE, WI, April 28, 2020 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (the “Bank” or “CCFBank”), today reported earnings of $2.6 million, or $0.23 per diluted share, for the

April 28, 2020 EX-10.2

Addendum No. 1 to the Amended and Restated Executive Employment Agreement with James Broucek, dated April 23, 2020 (Incorporated by reference Exhibit 10.2 to the Company’s current report on Form 8-K filed on April 28, 2020 (File No. 001-33003)).

Exhibit 10.2 ADDENDUM NO. 1 TO AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Addendum No. 1 is made this 23rd day of April, 2020 (the “Effective Date”), to the Amended and Restated Executive Employment Agreement between by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the “Holding Company”) and its wholly-owned subsidiary, Citizens Community Federal, N.A., a nat

April 7, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 6, 2020 CITIZENS COMMUNITY BANCORP, INC.

March 23, 2020 EX-99.1

Citizens Community Bancorp, Inc. Suspends Stock Repurchase Plan in Response to Coronavirus

Exhibit 99.1 Citizens Community Bancorp, Inc. Suspends Stock Repurchase Plan in Response to Coronavirus EAU CLAIRE, WI, March 23, 2020 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), announced its Board of Directors voted to immediately suspend its stock repurchase plan in response to the coronavirus on March 20, 2020. This action is effective until further notice. The Company’s

March 23, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 23, 2020 CITIZENS COMMUNITY BANCORP, INC.

March 16, 2020 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 12, 2020 CITIZENS COMMUNITY BANCORP, INC.

March 16, 2020 EX-16.1

Baker Tilly Virchow Krause, LLP letter dated March 16, 2020.

ex161secterminationlette Exhibit 16.1 March 16, 2020 Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Commissioners: We have read the statements made by Citizens Community Bancorp, Inc. (copy attached), for the event that occurred on March 12, 2020, which we understand will be filed by our former client, Citizens Community Bancorp, Inc., with the Securities and Exchange C

March 10, 2020 EX-4.1

Description of Capital Stock (incorporated by reference to Exhibit 4.1 to the Company's annual report on Form 10-K filed on March 10, 2020 (File No. 001-33003)).

EXHIBIT 4.1 DESCRIPTION OF CITIZENS CAPITAL STOCK The following description of Citizens’ capital stock is a summary of the material terms of Citizens’ charter and bylaws, as amended. Reference is made to the more detailed provisions of, and the descriptions are qualified in their entirety by reference to, these documents, forms of which are filed with the SEC as exhibits to the Annual Report on Fo

March 10, 2020 10-K

CZWI / Citizens Community Bancorp, Inc. 10-K - Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZENS COMMUN

March 10, 2020 EX-21

Subsidiaries of the Company as of December 31, 2019 (filed herewith).

Exhibit 21 Subsidiaries of Citizens Community Bancorp, Inc. The following lists the direct and indirect subsidiaries of Citizens Community Bancorp, Inc.: Name of Subsidiary Jurisdiction of Incorporation or Organization Citizens Community Federal National Association Federal (U.S.) Wells Insurance Agency, Inc. Minnesota F&M Investment Corp. of Tomah Nevada

February 14, 2020 SC 13G

CZWI / Citizens Community Bancorp, Inc. / BANC FUNDS CO LLC - NONE Passive Investment

Schedule 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. n/a )* Citizens Community Bancorp Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rul

February 14, 2020 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / Fourthstone Llc - AMENDMENT TO FORM SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 3)* Under the Securities Exchange Act of 1934 Citizens Community Bancorp, Inc. (Name of Issuer) Common Stock (Titles of Class of Securities) 174903104 (CUSIP Number) February 10, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

February 13, 2020 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)1 Citizens Community Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2019 (Date of Event which Requires Filing of this Statement) Check the appropriate box to desig

February 13, 2020 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / MALTESE CAPITAL MANAGEMENT LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Citizens Community Bancorp, Inc. (Name of issuer) Common Stock, par value $0.01 per share (Title of class of securities) 174903104 (CUSIP number) December 31, 2019 (Date of event which requires filing of this statement) Check the appropriate box to desig

February 12, 2020 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2) Citizens Community Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2019 (Date of Event which Requires Filing of this Statement) Check the appropriate box to design

January 28, 2020 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __, 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 Citizens Community Bancorp Inc. Investor Conference 2019 Fourt

invconf20200129 Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October , 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 Citizens Community Bancorp Inc. Investor Conference 2019 Fourth Quarter 1 Cautionary Notes and Additional Disclosures CAUTIONARY NOTE REGARDING FORWARD LOOKING STATEMENTS This presentation contains certain forwa

January 28, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 28, 2020 CITIZENS COMMUNITY BANCORP, INC.

January 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2020 CITIZENS COMMUNITY BANCORP, INC.

January 27, 2020 EX-99.1

Citizens Community Bancorp, Inc. Earns $3.2 Million, or $0.28 Per Share, in 4Q19; Fourth Quarter Highlighted by Net Loan Growth of $53 Million; Net Income Increased 125% to $9.5 Million in 2019 Declared a $0.21 dividend per share

EXHIBIT 99.1 Citizens Community Bancorp, Inc. Earns $3.2 Million, or $0.28 Per Share, in 4Q19; Fourth Quarter Highlighted by Net Loan Growth of $53 Million; Net Income Increased 125% to $9.5 Million in 2019 Declared a $0.21 dividend per share EAU CLAIRE, WI, January 27, 2020 - Citizens Community Bancorp, Inc. (the “Company”) (Nasdaq: CZWI), the parent company of Citizens Community Federal N.A. (th

January 27, 2020 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / Wellington Management Group LLP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* CITIZENS COMMUNITY BANCORP, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 174903104 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

January 21, 2020 SC 13G/A

CZWI / Citizens Community Bancorp, Inc. / Fourthstone Llc - AMENDMENT TO FORM SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 2 )* Under the Securities Exchange Act of 1934 Citizens Community Bancorp, Inc. (Name of Issuer) Common Stock (Titles of Class of Securities) 174903104 (CUSIP Number) Jan 15, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to whic

November 7, 2019 10-Q

CZWI / Citizens Community Bancorp, Inc. 10-Q - Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33003 CITIZE

November 4, 2019 EX-10.1

Second Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., Citizens Community Federal, N.A., and Stephen Bianchi, dated as of November 1, 2019 (incorporated by reference to Exhibit 10.1 to the Company’s current report on Form 8-K filed on November 4, 2019 (File No. 001-33003)).

Exhibit 10.1 SECOND AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Second Amended and Restated Executive Employment Agreement (the “Agreement”) is made effective as of this 1st day of November, 2019 (the “Effective Date”), by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the “Holding Company”) and its wholly-owned subsidiary, Citizens Community Federal, N.A., a n

November 4, 2019 EX-10.2

Second Amended and Restated Executive Employment Agreement by and between Citizens Community Bancorp, Inc., Citizens Community Federal, N.A., and James S. Broucek, dated as of November 1, 2019 (incorporated by reference to Exhibit 10.2 to the Company’s current report on Form 8-K filed on November 4, 2019 (File No. 001-33003)).

Exhibit 10.2 AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT This Amended and Restated Executive Employment Agreement (the “Agreement”) is made effective as of November 1, 2019 (the “Effective Date”), by and between Citizens Community Bancorp, Inc., a Maryland corporation, (the “Holding Company”) and its wholly-owned subsidiary, Citizens Community Federal, N.A., a national banking association

November 4, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 1, 2019 CITIZENS COMMUNITY BANCORP, INC.

November 4, 2019 EX-99.1

Filed Pursuant to Rule 433 Registration Statement No. __________ Issuer Free Writing Prospectus Dated October __, 2015 Relating to Preliminary Prospectus Supplement Dated October __, 2015 Citizens Community Bancorp Inc. Hovde 2019 Community Bank Inve

hovdeinvconf Filed Pursuant to Rule 433 Registration Statement No. Issuer Free Writing Prospectus Dated October , 2015 Relating to Preliminary Prospectus Supplement Dated October , 2015 Citizens Community Bancorp Inc. Hovde 2019 Community Bank Investor Conference 2019 Third Quarter 1 Cautionary Notes and Additional Disclosures CAUTIONARY NOTE REGARDING FORWARD LOOKING STATEMENTS This presentation

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