Citizens munity Bancorp(US:CZWI)2025-10-27 12:30Deposit & Liquidity - 81% of deposits are insured or collateralized, totaling $1.48 billion[11, 17] - The average account sizes are $16 thousand for retail, $66 thousand for commercial, and $406 thousand for public deposits[13] - The company has a diverse commercial deposit base with no industry concentration exceeding 10%[15] Loan Portfolio - Non-Owner Occupied CRE loan balance outstanding is $447 million as of September 30, 2025, with an approximate weighted average LTV of 52%[24] - Owner Occupied CRE loan balance outstanding is $237 million as of September 30, 2025, with an approximate weighted average LTV of 50%[30] - Multi-family loan balance outstanding is $237 million as of September 30, 2025, with an approximate weighted average LTV of 61%[36] - Commercial & Industrial loan balance is $102 million as of September 30, 2025[42] - Construction & Development loan balance outstanding is $75 million as of September 30, 2025, with an approximate weighted average LTV of 73%[49] Capital & Stock Repurchase - As of September 30, 2025, approximately 136 thousand shares were repurchased under the stock repurchase program, with 363 thousand shares remaining available for repurchase[102] Financial Performance - Basic earnings per share for the three months ended September 30, 2025, was $0.37[103]