Citizens Community Federal Mortgage Rates, Fees & Info

Altoona, WI

LEI: 549300SUC4CLYKKZWS29

Tax ID: 39-0859926

5 stars - out of 5 stars, based on 31 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Citizens Community Federal is a smaller mortgage company specializing in Cash Out Refi, Home Purchase, and Refi loans. Citizens Community Federal has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Eau Claire, Minneapolis, Mankato, Wausau, and Sebring among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Community Federal has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citizens Community Federal is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.52% 3/19/23
    30 Year Conventional Refi 6.51% 3/19/23
    30 Year Cash-out Refi 6.63% 3/19/23
    30 Year FHA Refi 6.27% 3/19/23
    30 Year VA Purchase 6.27% 3/19/23
    30 Year VA Refi 6.27% 3/19/23
    30 Year USDA Purchase 6.97% 3/19/23
    15 Year Conventional Purchase 5.77% 3/19/23
    15 Year Conventional Refi 5.93% 3/19/23
    15 Year Cash-out Refi 5.93% 3/19/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    990

    Origination Dollar Volume (All Markets)

    $326,770,000

    Employee count

    242 Show all (5) awards

    Relative Rate

    Citizens Community Federal's average 30 year fixed mortgage rate was 3.13%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.02%.

    Relative Fees (Closing Costs)

    Citizens Community Federal's average total fees/closing costs for a 30 year fixed rate mortgage were $2,655.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    EAU CLAIRE, WI (FHA|USDA|VA) 312 $99,060,000 $317,500 $2,545 3.06%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 113 $75,055,000 $664,204 $2,673 3.17%
    Outside of Metro Areas 340 $67,650,000 $198,971 $2,438 3.24%
    MANKATO, MN (FHA|USDA|VA) 63 $20,665,000 $328,016 $2,335 2.83%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $17,790,000 $8,895,000 $0 2.35%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $9,345,000 $9,345,000 $0 2.90%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 14 $9,080,000 $648,571 $3,359 3.50%
    Menomonie, WI (FHA|USDA|VA) 27 $6,285,000 $232,778 $2,490 2.98%
    Albert Lea, MN (FHA|USDA|VA) 31 $4,815,000 $155,323 $2,812 3.01%
    DULUTH, MN-WI (FHA|USDA|VA) 7 $3,495,000 $499,286 $2,936 3.20%
    Fairmont, MN (FHA|USDA|VA) 16 $1,960,000 $122,500 $2,690 3.19%
    Red Wing, MN (FHA|USDA|VA) 13 $1,845,000 $141,923 $1,998 3.14%
    ROCHESTER, MN (FHA|USDA|VA) 5 $1,245,000 $249,000 $1,840 3.05%
    Faribault-Northfield, MN (FHA|USDA|VA) 4 $960,000 $240,000 $2,124 2.91%
    Owatonna, MN (FHA|USDA|VA) 6 $950,000 $158,333 $2,640 3.04%
    Shawano, WI (FHA|USDA|VA) 5 $745,000 $149,000 $2,523 3.40%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $715,000 $715,000 $0 2.95%
    ST. CLOUD, MN (FHA|USDA|VA) 2 $610,000 $305,000 $2,183 3.19%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $550,000 $275,000 $1,929 2.38%
    Bozeman, MT (FHA|USDA|VA) 1 $535,000 $535,000 $2,218 3.50%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $390,000 $195,000 $3,042 4.19%
    Brainerd, MN (FHA|USDA|VA) 4 $310,000 $77,500 $2,548 4.02%
    Fergus Falls, MN (FHA|USDA|VA) 2 $310,000 $155,000 $2,493 2.56%
    MADISON, WI (FHA|USDA|VA) 1 $295,000 $295,000 $4,251 3.00%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.50%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.50%
    Baraboo, WI (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.27%
    Austin, MN (FHA|USDA|VA) 2 $170,000 $85,000 $2,299 3.06%
    Whitewater, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,705 3.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.85%
    APPLETON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,815 2.50%
    GREEN BAY, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,914 2.63%
    Alexandria, MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,530 2.38%
    Worthington, MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,091 3.13%
    New Ulm, MN (FHA|USDA|VA) 1 $115,000 $115,000 $2,001 2.38%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.29%
    Citizens Community Federal's top markets include Eau Claire, Minneapolis, Mankato, Wausau, and Sebring among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Citizens Community Federal based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Prevail Bank
    Similarity Rank: 88
    Forward Bank
    Similarity Rank: 400
    CO-OP Credit Union
    Similarity Rank: 504
    Farmers & Merchants Savings Bank
    Similarity Rank: 720
    Anoka Hennepin Credit Union
    Similarity Rank: 826
    Citizens State Bank of La Crosse
    Similarity Rank: 1080
    MY Credit Union
    Similarity Rank: 1200
    Liberty Bank Minnesota
    Similarity Rank: 1488
    Bankers' Bank
    Similarity Rank: 1704
    WNB Financial, N.A.
    Similarity Rank: 1836

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 985 $326,125,000 $331,091 $2,506 3.14%
    USDA 5 $645,000 $129,000 $3,620 3.10%

    For 2021, Citizens Community Federal's most frequently originated type of loan was Conventional, with 985 originations. Their 2nd most popular type was USDA, with 5 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 338 $92,410,000 $273,402 $2,402 3.05%
    Home Purchase 329 $157,875,000 $479,863 $3,131 3.33%
    Refi 313 $74,025,000 $236,502 $2,058 3.03%
    Other 7 $1,265,000 $180,714 $2,711 3.11%
    Home Improvement 3 $1,195,000 $398,333 $2,077 3.08%

    For 2021, Citizens Community Federal's most frequently cited loan purpose was Cash Out Refi, with 338 originations. The 2nd most popular reason was Home Purchase, with 329 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 429 $89,695,000 $209,079 $2,655 3.13%
    15 Year 241 $36,595,000 $151,846 $2,070 2.61%
    20 Year 129 $30,405,000 $235,698 $2,305 3.36%
    Other 71 $45,745,000 $644,296 $2,943 3.91%
    5 Year 56 $106,410,000 $1,900,179 $2,218 3.76%
    10 Year 38 $8,420,000 $221,579 $2,250 2.78%
    30+ year 22 $9,240,000 $420,000 $5,296 4.16%
    3 Year 3 $195,000 $65,000 $0 4.17%
    1 Year 1 $65,000 $65,000 $0 3.13%

    For 2021, Citizens Community Federal's most frequently cited loan duration was 30 Year, with 429 originations. The 2nd most popular length was 15 Year, with 241 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 577 $102,965,000 $178,449
    $1k-2k 129 $23,685,000 $183,605
    $2k-3k 60 $14,560,000 $242,667
    $3k-4k 19 $6,215,000 $327,105
    $4k-5k 12 $3,910,000 $325,833
    $5k+ 11 $5,475,000 $497,727

    Citizens Community Federal's average total fees were $2,655, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 577 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 356 $100,950,000 $283,567
    3-4% 320 $153,980,000 $481,188
    <2.5% 211 $49,755,000 $235,806
    4-5% 85 $20,295,000 $238,765
    5-6% 9 $1,325,000 $147,222
    6-7% 6 $390,000 $65,000
    7-8% 2 $50,000 $25,000
    Over 8% 1 $25,000 $25,000

    During 2021, Citizens Community Federal's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 356 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 419 $61,295,000 $146,289 $2,261 3.01%
    $200k-400k 267 $73,355,000 $274,738 $2,837 3.19%
    $100,000 or less 194 $13,800,000 $71,134 $1,944 3.25%
    $400k-600k 64 $30,650,000 $478,906 $4,080 3.17%
    $1MM+ 31 $136,025,000 $4,387,903 $10,020 3.33%
    $600k-1MM 15 $11,645,000 $776,333 $6,706 3.63%

    2021 saw Citizens Community Federal place emphasis on $100k-200k loans with 419 originations, totaling $61,295,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 210 $33,430,000 $159,190 $2,328 3.03%
    $50k or less 202 $24,860,000 $123,069 $2,180 3.01%
    $100k-150k 158 $37,390,000 $236,646 $2,598 3.03%
    $75k-100k 153 $31,055,000 $202,974 $2,685 2.97%
    $150k-250k 62 $17,270,000 $278,548 $2,943 3.04%
    $250k+ 42 $16,650,000 $396,429 $3,636 3.10%

    Citizens Community Federal lent most frequently to those with incomes in the $50k-75k range, with 210 originations. The second most popular income band? $50k or less, with 202 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 215 $36,145,000 $168,116 $2,261 2.92%
    30-36% 134 $25,110,000 $187,388 $2,617 2.96%
    <20% 84 $17,850,000 $212,500 $2,374 2.84%
    40% 38 $7,350,000 $193,421 $2,838 3.00%
    43% 35 $6,265,000 $179,000 $2,330 3.00%
    39% 35 $9,165,000 $261,857 $2,962 3.14%
    38% 33 $6,175,000 $187,121 $2,689 3.01%
    41% 31 $5,555,000 $179,194 $2,618 2.96%
    42% 30 $6,360,000 $212,000 $2,373 3.08%
    44% 24 $5,300,000 $220,833 $2,756 3.14%
    37% 23 $3,925,000 $170,652 $2,612 2.97%
    36% 22 $4,960,000 $225,455 $3,411 2.85%
    45% 21 $3,625,000 $172,619 $2,389 3.05%
    49% 15 $3,465,000 $231,000 $2,803 2.91%
    48% 14 $3,110,000 $222,143 $2,490 3.09%
    46% 13 $3,345,000 $257,308 $2,298 2.98%
    47% 11 $2,585,000 $235,000 $3,247 3.30%
    50-60% 3 $845,000 $281,667 $3,063 3.21%
    >60% 3 $285,000 $95,000 $1,257 5.57%

    Citizens Community Federal lent most frequently to those with DTI ratios of 20-30%, with 215 originations. The next most common DTI ratio? 30-36%, with 134 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 146 $162,310,000 $1,111,712 $0 3.84%
    White 757 $144,725,000 $191,182 $2,502 3.00%
    Not provided 70 $15,420,000 $220,286 $2,611 3.21%
    Asian 9 $2,695,000 $299,444 $2,597 3.15%
    American Indian 6 $960,000 $160,000 $2,401 2.75%
    Black 2 $660,000 $330,000 $2,992 3.00%

    Approval Rates

    Total approvals of all applications
    84.74%

    Citizens Community Federal has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    74.14%

    Citizens Community Federal has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 990 $326,770,000 $330,071

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    990 $326,770,000 $330,071

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 88 $11,550,000 $131,250 $2,002 2.96%
    40-60% 232 $41,860,000 $180,431 $1,973 2.93%
    60-80% 442 $209,330,000 $473,597 $2,632 3.18%
    80-100% 213 $62,465,000 $293,263 $3,128 3.28%
    Over 100% 1 $25,000 $25,000 $1,312 8.12%
    Under 20% 13 $1,065,000 $81,923 $1,722 3.68%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Community Federal National Association 1001 Superior Avenue Tomah, WI 54660 Full Service B&M $97,470
    Citizens Community Federal National Association 303 South Main Street Blue Earth, MN 56013 Full Service B&M $33,290
    Citizens Community Federal National Association 3151 South Service Drive Red Wing, MN 55066 Full Service Retail $17,111
    Citizens Community Federal National Association 322 North River Street Spooner, WI 54801 Full Service B&M $95,541
    Citizens Community Federal National Association 3625 Gateway Drive Eau Claire, WI 54701 Full Service B&M $95,337
    Citizens Community Federal National Association 436 East La Salle Avenue Barron, WI 54812 Full Service B&M $39,213
    Citizens Community Federal National Association 501 1st Ave S Saint James, MN 56081 Full Service B&M $20,089
    Citizens Community Federal National Association 50518 Charles Street Osseo, WI 54758 Full Service B&M $64,983
    Citizens Community Federal National Association 53 First Streeet, S.W. Wells, MN 56097 Full Service B&M $69,019
    Citizens Community Federal National Association 7035 10th Street N Oakdale, MN 55128 Full Service B&M $25,656
    Citizens Community Federal National Association 810 Miner Avenue West Ladysmith, WI 54848 Full Service B&M $27,799
    Citizens Community Federal National Association 1204 West Knapp Street Rice Lake, WI 54868 Full Service B&M $48,262
    Citizens Community Federal National Association 131 Fifth Avenue Strum, WI 54770 Full Service B&M $42,580
    Citizens Community Federal National Association 1500 North Superior Avenue Tomah, WI 54660 Full Service B&M $31,179
    Citizens Community Federal National Association 180 St Andrews Dr Mankato, MN 56001 Full Service Retail $76,885
    Citizens Community Federal National Association 203 East Main Street Mondovi, WI 54755 Full Service B&M $23,417
    Citizens Community Federal National Association 218 North Broadway Street Ellsworth, WI 54011 Full Service B&M $51,762
    Citizens Community Federal National Association 219 Fairfax Street Altoona, WI 54720 Full Service B&M $324,591
    Citizens Community Federal National Association 22818 North Main Ettrick, WI 54627 Full Service B&M $24,437
    Citizens Community Federal National Association 2630 Bridge Ave Albert Lea, MN 56007 Full Service B&M $45,123
    Citizens Community Federal National Association 2727 Commercial Blvd Chippewa Falls, WI 54729 Full Service Retail $25,951
    Citizens Community Federal National Association 2850 Decker Drive Rice Lake, WI 54868 Full Service B&M $30,376
    Citizens Community Federal National Association 300 Western Ave Nw, Ste 100 Faribault, MN 55021 Full Service Retail $33,725
    Citizens Community Federal National Association 1015 Hwy 15 S Fairmont, MN 56031 Full Service B&M $27,117
    Citizens Community Federal National Association 1123 South Minnesota Ave Saint Peter, MN 56082 Full Service B&M $22,228

    For 2021, Citizens Community Federal had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $64,207
    Net interest income $56,785
    Total noninterest income $14,395
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,571
    Trading account gains and fees $0
    Additional Noninterest Income $12,824
    Pre-tax net operating income $31,354
    Securities gains (or losses, -) $1,224
    Income before extraordinary items $23,896
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $23,896
    Minority interest net income $0
    Net income $23,896
    Sale, conversion, retirement of capital stock, net $797
    Net operating income $22,929

    Citizens Community Federal's gross interest income from loans was $64,207,000.
    Citizens Community Federal's net interest income from loans was $56,785,000.
    Citizens Community Federal's fee based income from loans was $1,571,000.
    Citizens Community Federal's net income from loans was $23,896,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,422
    Provision for credit losses $0
    Total noninterest expense $39,826
    Salaries and employee benefits $22,267
    Premises and equipment expense $4,691
    Additional noninterest expense $12,868
    Applicable income taxes $8,682
    Net charge-offs $130
    Cash dividends $12,500

    Citizens Community Federal's interest expense for loans was $7,422,000.
    Citizens Community Federal's payroll and benefits expense were $22,267,000.
    Citizens Community Federal's property, plant and equipment expenses $4,691,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,411,507
    Deposits held in domestic offices $1,411,507
    Deposits by Individuals, partnerships, and corporations $1,241,528
    Deposits by U.S. Government $17
    Deposits by States and political subdivisions in the U.S. $169,951
    Deposits by Commercial banks and other depository institutions in U.S. $11
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $696,856
    Demand deposits $696,525
    Nontransaction accounts $714,651
    Money market deposit accounts (MMDAs) $288,985
    Other savings deposits (excluding MMDAs) $222,639
    Total time deposits $203,027
    Total time and savings deposits $714,982
    Noninterest-bearing deposits $300,553
    Interest-bearing deposits $1,110,955
    Retail deposits $1,390,115
    IRAs and Keogh plan accounts $37,837
    Brokered deposits $11
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,739,119
    Cash & Balances due from depository institutions $48,142
    Interest-bearing balances $27,431
    Total securities $275,178
    Federal funds sold & reverse repurchase $1,059
    Net loans and leases $1,300,720
    Loan and leases loss allowance $16,913
    Trading account assets $0
    Bank premises and fixed assets $22,873
    Other real estate owned $1,406
    Goodwill and other intangibles $39,557
    All other assets $50,184

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,739,119
    Total Liabilities $1,532,692
    Total deposits $1,411,507
    Interest-bearing deposits $1,110,955
    Deposits held in domestic offices $1,411,507
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $111,527
    Subordinated debt $0
    All other liabilities $9,658

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,300,720
    Loan and leases loss allowance $16,913
    Total loans and leases (domestic) $1,317,633
    All real estate loans $1,130,074
    Real estate loans in domestic offices $1,130,074
    Construction and development loans $86,117
    Residential 1-4 family construction $26,492
    Other construction, all land development and other land $59,625
    Loans secured by nonfarm nonresidential properties $607,031
    Nonfarm nonresidential secured by owner-occupied properties $220,924
    Commercial real estate & other non-farm, non-residential $386,107
    Multifamily residential real estate $178,349
    1-4 family residential loans $180,082
    Farmland loans $78,495
    Loans held in foreign offices $0
    Farm loans $31,588
    Commercial and industrial loans $107,144
    To non-U.S. addressees $0
    Loans to individuals $24,902
    Credit card loans $0
    Related Plans $505
    Consumer Auto Loans $4,048
    Other loans to individuals $20,349
    All other loans & leases $23,925
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $9,500
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $7,764
    Non 1-4 family restructured loans & leases $5,262
    Total loans and leases (foreign) $0

    Citizens Community Federal had $1,300,720,000 of loans outstanding in 2021. $1,130,074,000 of loans were in real estate loans. $86,117,000 of loans were in development loans. $178,349,000 of loans were in multifamily mortgage loans. $180,082,000 of loans were in 1-4 family mortgage loans. $31,588,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,048,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 453 $114,963 $253,781
    Nonfarm, nonresidential loans - <$100k 104 $4,774 $45,904
    Nonfarm, nonresidential loans - $100-250k 147 $19,710 $134,082
    Nonfarm, nonresidential loans - $250k-1MM 202 $90,479 $447,916
    Commercial & Industrial, US addressed loans - <$1MM 492 $59,375 $120,681
    Commercial & Industrial, US addressed loans - <$100k 276 $8,855 $32,083
    Commercial & Industrial, US addressed loans - $100-250k 118 $13,840 $117,288
    Commercial & Industrial, US addressed loans - $250k-1MM 98 $36,680 $374,286
    Farmland loans - <$1MM 213 $24,156 $113,408
    Farmland loans - <$100k 84 $3,427 $40,798
    Farmland loans - $100-250k 79 $8,478 $107,316
    Farmland loans - $250k-1MM 50 $12,251 $245,020
    Agriculture operations loans - <$1MM 184 $18,638 $101,293
    Agriculture operations loans - <$100k 102 $3,185 $31,225
    Agriculture operations loans - $100-250k 52 $7,003 $134,673
    Agriculture operations loans - $250k-1MM 30 $8,450 $281,667