Citizens Community Federal Mortgage Rates, Fees & Info

Altoona, WI

LEI: 549300SUC4CLYKKZWS29

Tax ID: 39-0859926

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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 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, Menomonie, and Fairmont among others. We have data for 26 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 6.84% 11/22/24
    30 Year Conventional Refi 6.48% 11/22/24
    30 Year Cash-out Refi 6.76% 11/22/24
    30 Year FHA Purchase 6.27% 11/22/24
    30 Year VA Purchase 6.27% 11/22/24
    30 Year USDA Purchase 6.94% 11/22/24
    15 Year Conventional Purchase 6.30% 11/22/24
    15 Year Conventional Refi 6.01% 11/22/24
    15 Year Cash-out Refi 6.01% 11/22/24
    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.

    Citizens Community Federal Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Citizens Community Federal. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    690

    Origination Dollar Volume (All Markets)

    $163,340,000

    Employee count

    273

    Awards

    Citizens Community Federal 30 Year Conventional Loans silver Citizens Community Federal USDA Loans silver Citizens Community Federal USDA Loans bronze Citizens Community Federal USDA Loans silver
    Show all (4) awards

    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) 233 $51,135,000 $219,464 $2,746 4.15%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 70 $43,900,000 $627,143 $2,629 4.35%
    Outside of Metro Areas 235 $35,665,000 $151,766 $2,428 4.36%
    MANKATO, MN (FHA|USDA|VA) 63 $18,015,000 $285,952 $2,781 4.07%
    Menomonie, WI (FHA|USDA|VA) 17 $2,845,000 $167,353 $3,388 4.23%
    Fairmont, MN (FHA|USDA|VA) 18 $1,940,000 $107,778 $2,729 3.98%
    Red Wing, MN (FHA|USDA|VA) 9 $1,475,000 $163,889 $3,100 4.44%
    Albert Lea, MN (FHA|USDA|VA) 10 $960,000 $96,000 $3,041 3.96%
    APPLETON, WI (FHA|USDA|VA) 2 $850,000 $425,000 $2,104 4.25%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $735,000 $245,000 $3,193 4.21%
    Fergus Falls, MN (FHA|USDA|VA) 3 $715,000 $238,333 $2,219 3.63%
    Manitowoc, WI (FHA|USDA|VA) 1 $645,000 $645,000 $3,188 5.04%
    Owatonna, MN (FHA|USDA|VA) 4 $620,000 $155,000 $2,796 4.00%
    Faribault-Northfield, MN (FHA|USDA|VA) 3 $555,000 $185,000 $3,479 4.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $520,000 $130,000 $2,851 4.73%
    MADISON, WI (FHA|USDA|VA) 2 $510,000 $255,000 $4,879 4.13%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $485,000 $485,000 $3,020 3.88%
    FLINT, MI (FHA|USDA|VA) 3 $475,000 $158,333 $4,245 4.43%
    ROCHESTER, MN (FHA|USDA|VA) 2 $380,000 $190,000 $2,339 3.56%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $345,000 $345,000 $2,641 4.00%
    New Ulm, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,737 4.38%
    Worthington, MN (FHA|USDA|VA) 1 $125,000 $125,000 $3,607 4.94%
    Hutchinson, MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,859 4.36%
    Shawano, WI (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.55%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.10%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $45,000 $45,000 $1,991 3.63%
    Citizens Community Federal's top markets include Eau Claire, Minneapolis, Mankato, Menomonie, and Fairmont among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Michigan (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: 48
    CO-OP Credit Union
    Similarity Rank: 204
    Citizens State Bank of La Crosse
    Similarity Rank: 406
    ST. CLOUD FINANCIAL
    Similarity Rank: 978
    South Metro Federal Credit Union
    Similarity Rank: 1088
    First National Bank of Elk River
    Similarity Rank: 1110
    IDEAL
    Similarity Rank: 1221
    Liberty Bank Minnesota
    Similarity Rank: 1344
    SPIRE Credit Union
    Similarity Rank: 1368
    WESTconsin Credit Union
    Similarity Rank: 1504

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 672 $161,570,000 $240,432 $2,652 4.25%
    USDA 18 $1,770,000 $98,333 $3,327 3.81%

    For 2019, Citizens Community Federal's most frequently originated type of loan was Conventional, with 672 originations. Their 2nd most popular type was USDA, with 18 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 328 $86,600,000 $264,024 $2,983 4.36%
    Cash Out Refi 181 $27,805,000 $153,619 $2,724 4.03%
    Refi 171 $48,105,000 $281,316 $2,010 4.23%
    Other 7 $645,000 $92,143 $2,133 4.30%
    Home Improvement 3 $185,000 $61,667 $1,746 4.33%

    For 2019, Citizens Community Federal's most frequently cited loan purpose was Home Purchase, with 328 originations. The 2nd most popular reason was Cash Out Refi, with 181 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 370 $73,320,000 $198,162 $2,898 4.13%
    15 Year 160 $24,020,000 $150,125 $2,262 3.83%
    20 Year 80 $15,580,000 $194,750 $2,390 4.87%
    Other 45 $37,585,000 $835,222 $1,890 5.09%
    10 Year 23 $11,155,000 $485,000 $2,014 4.57%
    5 Year 9 $1,185,000 $131,667 $0 5.11%
    1 Year 2 $290,000 $145,000 $0 4.93%
    3 Year 1 $205,000 $205,000 $0 6.75%

    For 2019, Citizens Community Federal's most frequently cited loan duration was 30 Year, with 370 originations. The 2nd most popular length was 15 Year, with 160 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 359 $58,745,000 $163,635
    $1k-2k 126 $25,070,000 $198,968
    $2k-3k 46 $9,480,000 $206,087
    $3k-4k 15 $3,575,000 $238,333
    $4k-5k 13 $3,315,000 $255,000
    $5k+ 5 $1,985,000 $397,000

    Citizens Community Federal's average total fees were $2,898, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 359 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 319 $64,205,000 $201,270
    4-5% 262 $53,420,000 $203,893
    5-6% 84 $42,210,000 $502,500
    6-7% 13 $1,115,000 $85,769
    2.5-3% 12 $2,390,000 $199,167

    During 2019, Citizens Community Federal's average interest rate for loans was 4.13%, while their most frequently originated rate bucket for loans was 3-4%, with 319 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 287 $40,765,000 $142,038 $2,635 4.15%
    $200k-400k 190 $52,460,000 $276,105 $2,912 4.02%
    $100,000 or less 168 $11,020,000 $65,595 $2,085 4.57%
    $400k-600k 26 $11,790,000 $453,462 $4,485 4.23%
    $600k-1MM 10 $7,760,000 $776,000 $3,188 4.74%
    $1MM+ 9 $39,545,000 $4,393,889 $0 4.99%

    2019 saw Citizens Community Federal place emphasis on $100k-200k loans with 287 originations, totaling $40,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 153 $16,255,000 $106,242 $2,378 4.29%
    $50k-75k 137 $19,135,000 $139,672 $2,564 4.17%
    $100k-150k 126 $28,970,000 $229,921 $2,738 4.08%
    $75k-100k 85 $15,725,000 $185,000 $2,703 4.01%
    $150k-250k 59 $14,795,000 $250,763 $3,221 4.02%
    $250k+ 24 $7,270,000 $302,917 $3,675 4.13%

    Citizens Community Federal lent most frequently to those with incomes in the $50k or less range, with 153 originations. The second most popular income band? $50k-75k, with 137 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 122 $22,650,000 $185,656 $2,666 3.97%
    30-36% 111 $18,985,000 $171,036 $2,609 4.01%
    <20% 49 $7,815,000 $159,490 $2,619 3.96%
    40% 36 $6,530,000 $181,389 $3,086 4.08%
    43% 28 $5,360,000 $191,429 $3,028 4.21%
    36% 21 $4,105,000 $195,476 $2,340 4.13%
    42% 20 $3,290,000 $164,500 $2,412 4.07%
    37% 19 $3,705,000 $195,000 $2,570 4.36%
    41% 19 $3,215,000 $169,211 $2,871 4.06%
    45% 19 $3,935,000 $207,105 $3,082 4.07%
    39% 19 $3,305,000 $173,947 $2,534 4.07%
    44% 15 $2,785,000 $185,667 $2,973 4.16%
    38% 14 $2,360,000 $168,571 $2,938 4.06%
    47% 12 $2,280,000 $190,000 $2,921 3.99%
    >60% 10 $1,240,000 $124,000 $1,707 5.11%
    48% 10 $1,960,000 $196,000 $2,520 3.87%
    50-60% 9 $1,135,000 $126,111 $2,183 4.25%
    46% 9 $1,945,000 $216,111 $2,497 4.04%
    49% 7 $1,705,000 $243,571 $3,201 3.80%

    Citizens Community Federal lent most frequently to those with DTI ratios of 20-30%, with 122 originations. The next most common DTI ratio? 30-36%, with 111 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 567 $99,175,000 $174,912 $2,663 4.11%
    Not applicable 86 $56,870,000 $661,279 $0 5.06%
    Not provided 22 $4,510,000 $205,000 $2,983 4.08%
    Asian 8 $1,890,000 $236,250 $2,615 4.52%
    Black 3 $595,000 $198,333 $2,700 3.88%
    Vietnamese 1 $115,000 $115,000 $0 5.50%
    Native Hawaiian or Islander 1 $75,000 $75,000 $0 5.43%
    Other Asian 1 $75,000 $75,000 $0 6.10%
    American Indian 1 $35,000 $35,000 $0 6.25%

    Approval Rates

    Total approvals of all applications
    86.29%

    Citizens Community Federal has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.87%

    Citizens Community Federal has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 690 $163,340,000 $236,725

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 24 $45,660,000 $1,902,500
    Single Family (1-4 Units):Manufactured 7 $415,000 $59,286
    Single Family (1-4 Units):Site-Built 659 $117,265,000 $177,944

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 44 $3,910,000 $88,864 $1,847 4.29%
    40-60% 108 $26,560,000 $245,926 $2,302 4.06%
    60-80% 310 $87,590,000 $282,548 $2,754 4.30%
    80-100% 212 $44,490,000 $209,858 $2,991 4.18%
    Under 20% 16 $790,000 $49,375 $1,183 5.12%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 10 4.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 6 2.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 20 8.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 81 34.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 13 5.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 11 4.7%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 9 3.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 8 3.4%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 52 22.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 2 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Community Federal National Association 1015 Hwy 15 S Fairmont, MN 56031 Full Service B&M $20,007
    Citizens Community Federal National Association 104 Main Street Minnesota Lake, MN 56068 Full Service B&M $13,567
    Citizens Community Federal National Association 1123 South Minnesota Ave Saint Peter, MN 56082 Full Service B&M $21,179
    Citizens Community Federal National Association 1204 West Knapp Street Rice Lake, WI 54868 Full Service B&M $44,846
    Citizens Community Federal National Association 131 Fifth Avenue Strum, WI 54770 Full Service B&M $17,435
    Citizens Community Federal National Association 180 St Andrews Dr Mankato, MN 56001 Full Service Retail $64,569
    Citizens Community Federal National Association 203 East Main Street Mondovi, WI 54755 Full Service B&M $14,893
    Citizens Community Federal National Association 2125 Cameron St Eau Claire, WI 54703 Full Service B&M $29,205
    Citizens Community Federal National Association 218 North Broadway Street Ellsworth, WI 54011 Full Service B&M $18,957
    Citizens Community Federal National Association 219 Fairfax Street Altoona, WI 54720 Full Service B&M $214,437
    Citizens Community Federal National Association 22818 North Main Ettrick, WI 54627 Full Service B&M $24,099
    Citizens Community Federal National Association 2630 Bridge Ave Albert Lea, MN 56007 Full Service B&M $37,011
    Citizens Community Federal National Association 2727 Commercial Blvd Chippewa Falls, WI 54729 Full Service Retail $23,637
    Citizens Community Federal National Association 2850 Decker Drive Rice Lake, WI 54868 Full Service B&M $29,656
    Citizens Community Federal National Association 300 Western Ave, Ste. 100 Faribault, MN 55021 Full Service Retail $31,480
    Citizens Community Federal National Association 303 South Main Street Blue Earth, MN 56013 Full Service B&M $26,614
    Citizens Community Federal National Association 3151 South Service Drive Red Wing, MN 55066 Full Service Retail $18,555
    Citizens Community Federal National Association 322 North River Street Spooner, WI 54801 Full Service B&M $75,807
    Citizens Community Federal National Association 3625 Gateway Drive Eau Claire, WI 54701 Full Service B&M $77,062
    Citizens Community Federal National Association 436 East La Salle Avenue Barron, WI 54812 Full Service B&M $30,056
    Citizens Community Federal National Association 501 1st Ave S Saint James, MN 56081 Full Service B&M $16,171
    Citizens Community Federal National Association 50518 Charles Street Osseo, WI 54758 Full Service B&M $50,804
    Citizens Community Federal National Association 50659 Main St North Eleva, WI 54738 Full Service B&M $21,202
    Citizens Community Federal National Association 53 First Streeet, S.W. Wells, MN 56097 Full Service B&M $44,785
    Citizens Community Federal National Association 7035 10th Street N Oakdale, MN 55128 Full Service B&M $27,780
    Citizens Community Federal National Association 810 Miner Avenue West Ladysmith, WI 54848 Full Service B&M $25,881

    For 2019, Citizens Community Federal had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $60,615
    Net interest income $45,720
    Total noninterest income $12,781
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,169
    Trading account gains and fees $0
    Additional Noninterest Income $10,612
    Pre-tax net operating income $15,557
    Securities gains (or losses, -) $272
    Income before extraordinary items $12,170
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,170
    Minority interest net income $0
    Net income $12,170
    Sale, conversion, retirement of capital stock, net $470
    Net operating income $11,955

    Citizens Community Federal's gross interest income from loans was $60,615,000.
    Citizens Community Federal's net interest income from loans was $45,720,000.
    Citizens Community Federal's fee based income from loans was $2,169,000.
    Citizens Community Federal's net income from loans was $12,170,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,895
    Provision for credit losses $3,525
    Total noninterest expense $39,419
    Salaries and employee benefits $19,402
    Premises and equipment expense $5,200
    Additional noninterest expense $14,817
    Applicable income taxes $3,659
    Net charge-offs $809
    Cash dividends $7,350

    Citizens Community Federal's interest expense for loans was $14,895,000.
    Citizens Community Federal's payroll and benefits expense were $19,402,000.
    Citizens Community Federal's property, plant and equipment expenses $5,200,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    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 $1,203,097
    Deposits held in domestic offices $1,203,097
    Deposits by Individuals, partnerships, and corporations $1,007,014
    Deposits by U.S. Government $18
    Deposits by States and political subdivisions in the U.S. $141,632
    Deposits by Commercial banks and other depository institutions in U.S. $54,433
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $398,647
    Demand deposits $398,181
    Nontransaction accounts $804,450
    Money market deposit accounts (MMDAs) $246,431
    Other savings deposits (excluding MMDAs) $156,605
    Total time deposits $401,414
    Total time and savings deposits $804,916
    Noninterest-bearing deposits $174,812
    Interest-bearing deposits $1,028,285
    Retail deposits $1,105,851
    IRAs and Keogh plan accounts $43,496
    Brokered deposits $50,377
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,531,129
    Cash & Balances due from depository institutions $60,136
    Interest-bearing balances $31,508
    Total securities $183,215
    Federal funds sold & reverse repurchase $390
    Net loans and leases $1,172,953
    Loan and leases loss allowance $10,320
    Trading account assets $0
    Bank premises and fixed assets $23,154
    Other real estate owned $1,428
    Goodwill and other intangibles $43,366
    All other assets $46,487

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,531,129
    Total Liabilities $1,342,535
    Total deposits $1,203,097
    Interest-bearing deposits $1,028,285
    Deposits held in domestic offices $1,203,097
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $133,739
    Subordinated debt $0
    All other liabilities $5,699

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,172,953
    Loan and leases loss allowance $10,320
    Total loans and leases (domestic) $1,183,273
    All real estate loans $955,506
    Real estate loans in domestic offices $955,506
    Construction and development loans $96,293
    Residential 1-4 family construction $18,478
    Other construction, all land development and other land $77,815
    Loans secured by nonfarm nonresidential properties $412,168
    Nonfarm nonresidential secured by owner-occupied properties $226,168
    Commercial real estate & other non-farm, non-residential $186,000
    Multifamily residential real estate $87,008
    1-4 family residential loans $274,674
    Farmland loans $85,363
    Loans held in foreign offices $0
    Farm loans $37,781
    Commercial and industrial loans $109,675
    To non-U.S. addressees $0
    Loans to individuals $58,014
    Credit card loans $0
    Related Plans $1,105
    Consumer Auto Loans $9,742
    Other loans to individuals $47,167
    All other loans & leases $22,297
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,282
    Non 1-4 family restructured loans & leases $1,675
    Total loans and leases (foreign) $0

    Citizens Community Federal had $1,172,953,000 of loans outstanding in 2019. $955,506,000 of loans were in real estate loans. $96,293,000 of loans were in development loans. $87,008,000 of loans were in multifamily mortgage loans. $274,674,000 of loans were in 1-4 family mortgage loans. $37,781,000 of loans were in farm loans. $0 of loans were in credit card loans. $9,742,000 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 515 $104,376 $202,672
    Nonfarm, nonresidential loans - <$100k 140 $5,723 $40,879
    Nonfarm, nonresidential loans - $100-250k 164 $21,610 $131,768
    Nonfarm, nonresidential loans - $250k-1MM 211 $77,043 $365,133
    Commercial & Industrial, US addressed loans - <$1MM 715 $67,334 $94,173
    Commercial & Industrial, US addressed loans - <$100k 436 $9,848 $22,587
    Commercial & Industrial, US addressed loans - $100-250k 151 $14,629 $96,881
    Commercial & Industrial, US addressed loans - $250k-1MM 128 $42,857 $334,820
    Farmland loans - <$1MM 356 $37,796 $106,169
    Farmland loans - <$100k 141 $4,959 $35,170
    Farmland loans - $100-250k 133 $15,358 $115,474
    Farmland loans - $250k-1MM 82 $17,479 $213,159
    Agriculture operations loans - <$1MM 314 $23,337 $74,322
    Agriculture operations loans - <$100k 200 $5,031 $25,155
    Agriculture operations loans - $100-250k 71 $8,578 $120,817
    Agriculture operations loans - $250k-1MM 43 $9,728 $226,233