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Citizens Community Bancorp CZWI Federal Home Loan Bank (“FHLB”) advances

Federal Home Loan Bank (“FHLB”) advances at other companies

Citizens & Northern logo
Citizens & NorthernCZNC
$139.49M-9.7%
Riverview Bancorp logo
Riverview BancorpRVSB
$16.1M-78.9%
AVB
Avidia Bancorp, Inc.AVBC
$205M-36.9%
Texas Community Bancshares, Inc. logo
Texas Community Bancshares, Inc.TCBS
$41.57M-16.1%
First Guaranty Bancshares logo
First Guaranty BancsharesFGBI
$135M0.0%
CF Bankshares logo
CF BanksharesCFBK
$100.97M+8.9%

Other financials

Income statement

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Revenue$16.1M+13.5%
Net income$3.8M+17.5%
EPS (diluted)$0.39+21.9%

Balance sheet

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Cash & equivalents$149.2M+48.9%
Total debt$731.0K-24.6%
Total equity$190.9M+6.0%
Total assets$1.8B+2.4%

Cash flow

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Operating cash flow$4.0M+146%
CapEx$570.0K+470%
Free cash flow$3.4M+125%

Valuation

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Market cap$225.58M+67.4%
Enterprise value$77.1M+14.4%
P/E15.1×+4.2×
P/S3.5×+1.2×

Profitability

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Net margin23.3%+0.2pp
FCF margin20.1%-1.7pp

Returns & leverage

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Return on equity8.1%+0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens Community Bancorp in its filing.

Tagged under the XBRL concept czwi:LongtermFederalHomeLoanBankAdvancesNet.

The official record: Citizens Community Bancorp’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Community Bancorp's federal home loan bank (“FHLB”) advances?
Citizens Community Bancorp (CZWI) reported federal home loan bank (“FHLB”) advances of $0 in Q1 2026.
What is the long-term trend for Citizens Community Bancorp's federal home loan bank (“FHLB”) advances?
Over 5 years (2020 to 2025), Citizens Community Bancorp's federal home loan bank (“FHLB”) advances has grown at a -100.0% compound annual growth rate (CAGR), from $123.5M to $0.
What does federal home loan bank (“FHLB”) advances mean?
This represents long-term borrowings obtained from the Federal Home Loan Bank system, typically collateralized by residential mortgage loans. These advances serve as a primary source of wholesale funding to support the bank's lending activities and liquidity management. The level of these advances reflects the bank's reliance on external funding sources to manage its balance sheet growth.