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 Refi, Home Purchase, and Cash Out 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, La Crosse, and Menomonie among others. We have data for 35 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% 11/21/24
    30 Year Conventional Refi 6.48% 11/21/24
    30 Year Cash-out Refi 6.76% 11/21/24
    30 Year FHA Purchase 6.27% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 6.94% 11/21/24
    15 Year Conventional Purchase 6.30% 11/21/24
    15 Year Conventional Refi 6.01% 11/21/24
    15 Year Cash-out Refi 6.01% 11/21/24
    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

    1,412

    Origination Dollar Volume (All Markets)

    $333,110,000

    Employee count

    239 Show all (7) 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) 496 $117,700,000 $237,298 $2,223 3.19%
    Outside of Metro Areas 486 $89,890,000 $184,959 $2,139 3.18%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 137 $44,055,000 $321,569 $2,460 3.21%
    MANKATO, MN (FHA|USDA|VA) 99 $32,805,000 $331,364 $2,372 3.11%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 25 $15,385,000 $615,400 $1,769 3.41%
    Menomonie, WI (FHA|USDA|VA) 36 $7,100,000 $197,222 $2,482 3.05%
    Fairmont, MN (FHA|USDA|VA) 26 $3,650,000 $140,385 $2,459 3.04%
    Albert Lea, MN (FHA|USDA|VA) 24 $2,820,000 $117,500 $2,323 3.41%
    DULUTH, MN-WI (FHA|USDA|VA) 14 $2,660,000 $190,000 $2,116 3.48%
    Red Wing, MN (FHA|USDA|VA) 9 $2,005,000 $222,778 $2,708 3.19%
    Owatonna, MN (FHA|USDA|VA) 11 $1,985,000 $180,455 $2,527 2.90%
    Winona, MN (FHA|USDA|VA) 1 $1,665,000 $1,665,000 $0 3.50%
    ROCHESTER, MN (FHA|USDA|VA) 9 $1,635,000 $181,667 $2,014 3.16%
    Astoria, OR (FHA|USDA|VA) 1 $1,355,000 $1,355,000 $0 3.75%
    Brainerd, MN (FHA|USDA|VA) 3 $1,285,000 $428,333 $2,898 3.58%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 4 $1,130,000 $282,500 $2,536 3.28%
    Austin, MN (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,527 3.46%
    New Ulm, MN (FHA|USDA|VA) 5 $535,000 $107,000 $2,251 3.20%
    APPLETON, WI (FHA|USDA|VA) 1 $455,000 $455,000 $5,889 2.75%
    Grand Rapids, MN (FHA|USDA|VA) 1 $415,000 $415,000 $3,134 3.00%
    ST. CLOUD, MN (FHA|USDA|VA) 2 $410,000 $205,000 $2,621 3.88%
    Beaver Dam, WI (FHA|USDA|VA) 3 $405,000 $135,000 $1,411 2.92%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $395,000 $395,000 $0 3.75%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $335,000 $335,000 $2,729 2.63%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $325,000 $325,000 $3,296 4.13%
    Faribault-Northfield, MN (FHA|USDA|VA) 2 $310,000 $155,000 $2,482 2.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,184 3.00%
    Fergus Falls, MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,295 3.00%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.75%
    MADISON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,515 3.38%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.95%
    Willmar, MN (FHA|USDA|VA) 1 $145,000 $145,000 $3,187 2.38%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,394 2.38%
    Platteville, WI (FHA|USDA|VA) 1 $85,000 $85,000 $1,729 3.13%
    Stevens Point, WI (FHA|USDA|VA) 1 $55,000 $55,000 $1,530 2.88%
    Citizens Community Federal's top markets include Eau Claire, Minneapolis, Mankato, La Crosse, and Menomonie among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Illinois (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.

    Citizens State Bank
    Similarity Rank: 168
    Prevail Bank
    Similarity Rank: 378
    CO-OP Credit Union
    Similarity Rank: 378
    Peoples Bank Midwest
    Similarity Rank: 808
    Liberty Bank Minnesota
    Similarity Rank: 882
    First Dakota National Bank
    Similarity Rank: 1517
    Anoka Hennepin Credit Union
    Similarity Rank: 1564
    VALLEY MORTGAGE, INC.
    Similarity Rank: 1876
    TOPLINE FEDERAL CREDIT UNION
    Similarity Rank: 1946
    ST. CLOUD FINANCIAL
    Similarity Rank: 1976

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,401 $331,615,000 $236,699 $2,235 3.19%
    USDA 11 $1,495,000 $135,909 $3,633 3.01%

    For 2020, Citizens Community Federal's most frequently originated type of loan was Conventional, with 1,401 originations. Their 2nd most popular type was USDA, with 11 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 649 $140,215,000 $216,048 $1,871 3.12%
    Home Purchase 386 $102,690,000 $266,036 $2,857 3.34%
    Cash Out Refi 359 $87,375,000 $243,384 $2,323 3.16%
    Other 13 $1,995,000 $153,462 $2,063 3.19%
    Home Improvement 5 $835,000 $167,000 $4,175 3.76%

    For 2020, Citizens Community Federal's most frequently cited loan purpose was Refi, with 649 originations. The 2nd most popular reason was Home Purchase, with 386 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 718 $150,860,000 $210,111 $2,382 3.16%
    15 Year 361 $64,995,000 $180,042 $2,008 2.79%
    20 Year 181 $43,695,000 $241,409 $2,015 3.51%
    Other 57 $26,265,000 $460,789 $1,911 4.09%
    10 Year 55 $33,935,000 $617,000 $1,768 3.21%
    5 Year 21 $7,065,000 $336,429 $1,283 4.82%
    30+ year 14 $5,110,000 $365,000 $4,743 4.38%
    1 Year 4 $1,100,000 $275,000 $4,751 4.53%
    3 Year 1 $85,000 $85,000 $0 5.50%

    For 2020, Citizens Community Federal's most frequently cited loan duration was 30 Year, with 718 originations. The 2nd most popular length was 15 Year, with 361 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 955 $175,965,000 $184,257
    $1k-2k 207 $43,235,000 $208,865
    $2k-3k 56 $14,120,000 $252,143
    $3k-4k 22 $5,660,000 $257,273
    $5k+ 12 $2,940,000 $245,000
    $4k-5k 9 $2,715,000 $301,667

    Citizens Community Federal's average total fees were $2,382, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 955 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 578 $114,810,000 $198,633
    3-4% 484 $123,140,000 $254,421
    <2.5% 187 $32,215,000 $172,273
    4-5% 141 $56,415,000 $400,106
    5-6% 18 $6,360,000 $353,333
    7-8% 2 $80,000 $40,000
    6-7% 1 $15,000 $15,000
    % 1 $75,000 $75,000

    During 2020, Citizens Community Federal's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 2.5-3%, with 578 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 651 $95,905,000 $147,320 $2,172 3.10%
    $200k-400k 445 $121,985,000 $274,124 $2,373 3.12%
    $100,000 or less 214 $15,480,000 $72,336 $1,979 3.45%
    $400k-600k 65 $29,675,000 $456,538 $2,805 3.22%
    $1MM+ 25 $60,455,000 $2,418,200 $8,742 4.16%
    $600k-1MM 12 $9,610,000 $800,833 $4,213 3.90%

    2020 saw Citizens Community Federal place emphasis on $100k-200k loans with 651 originations, totaling $95,905,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 293 $64,485,000 $220,085 $2,330 3.04%
    $50k-75k 284 $43,180,000 $152,042 $2,194 3.06%
    $75k-100k 244 $47,180,000 $193,361 $2,164 3.12%
    $50k or less 212 $24,550,000 $115,802 $2,111 3.16%
    $150k-250k 138 $37,150,000 $269,203 $2,277 3.12%
    $250k+ 75 $23,625,000 $315,000 $2,876 3.11%

    Citizens Community Federal lent most frequently to those with incomes in the $100k-150k range, with 293 originations. The second most popular income band? $50k-75k, with 284 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 333 $60,745,000 $182,417 $2,196 3.00%
    30-36% 238 $46,310,000 $194,580 $2,299 3.06%
    <20% 145 $28,825,000 $198,793 $2,137 2.86%
    41% 46 $8,730,000 $189,783 $2,219 2.99%
    43% 41 $7,865,000 $191,829 $2,318 3.04%
    42% 39 $7,455,000 $191,154 $2,543 3.08%
    37% 39 $6,575,000 $168,590 $2,163 3.09%
    36% 38 $8,330,000 $219,211 $2,431 3.21%
    45% 38 $7,430,000 $195,526 $2,286 3.23%
    38% 36 $7,520,000 $208,889 $2,312 3.04%
    44% 35 $7,445,000 $212,714 $2,320 3.24%
    40% 33 $6,195,000 $187,727 $2,127 3.00%
    48% 31 $6,685,000 $215,645 $2,290 3.11%
    46% 29 $5,795,000 $199,828 $2,228 3.07%
    39% 29 $5,985,000 $206,379 $2,469 3.21%
    47% 27 $6,075,000 $225,000 $2,330 3.09%
    49% 27 $5,505,000 $203,889 $2,355 3.29%
    50-60% 12 $3,230,000 $269,167 $2,384 3.47%
    >60% 4 $290,000 $72,500 $1,430 6.37%

    Citizens Community Federal lent most frequently to those with DTI ratios of 20-30%, with 333 originations. The next most common DTI ratio? 30-36%, with 238 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,217 $235,085,000 $193,168 $2,244 3.08%
    Not applicable 115 $81,225,000 $706,304 $0 4.32%
    Not provided 65 $13,065,000 $201,000 $2,178 3.28%
    Asian 7 $1,725,000 $246,429 $2,408 3.13%
    Black 3 $1,065,000 $355,000 $4,118 2.75%
    Native Hawaiian or Islander 2 $460,000 $230,000 $1,459 3.63%
    American Indian 2 $430,000 $215,000 $3,568 3.19%
    Asian Indian 1 $55,000 $55,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    89.87%

    Citizens Community Federal has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.12%

    Citizens Community Federal has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,412 $333,110,000 $235,914

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 57 $75,285,000 $1,320,789
    Single Family (1-4 Units):Manufactured 15 $1,515,000 $101,000
    Single Family (1-4 Units):Site-Built 1,340 $256,310,000 $191,276

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 86 $9,270,000 $107,791 $1,864 3.09%
    40-60% 292 $53,020,000 $181,575 $1,944 3.08%
    60-80% 670 $187,110,000 $279,269 $2,236 3.22%
    80-100% 356 $83,380,000 $234,213 $2,608 3.21%
    Under 20% 8 $330,000 $41,250 $1,368 4.92%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 35 12.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 13 4.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Credit monitoring or identity theft protection services 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 5 1.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 26 9.5%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 109 39.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 2.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 20 7.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.5%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 11 4.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 4 1.5%

    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 $125,809
    Citizens Community Federal National Association 1015 Hwy 15 S Fairmont, MN 56031 Full Service B&M $26,007
    Citizens Community Federal National Association 104 Main Street Minnesota Lake, MN 56068 Full Service B&M $14,758
    Citizens Community Federal National Association 1123 South Minnesota Ave Saint Peter, MN 56082 Full Service B&M $21,351
    Citizens Community Federal National Association 1204 West Knapp Street Rice Lake, WI 54868 Full Service B&M $48,967
    Citizens Community Federal National Association 131 Fifth Avenue Strum, WI 54770 Full Service B&M $17,274
    Citizens Community Federal National Association 1500 North Superior Avenue Tomah, WI 54660 Full Service B&M $26,507
    Citizens Community Federal National Association 180 St Andrews Dr Mankato, MN 56001 Full Service Retail $71,614
    Citizens Community Federal National Association 203 East Main Street Mondovi, WI 54755 Full Service B&M $17,287
    Citizens Community Federal National Association 2125 Cameron St Eau Claire, WI 54703 Full Service B&M $33,342
    Citizens Community Federal National Association 218 North Broadway Street Ellsworth, WI 54011 Full Service B&M $39,329
    Citizens Community Federal National Association 219 Fairfax Street Altoona, WI 54720 Full Service B&M $211,049
    Citizens Community Federal National Association 22818 North Main Ettrick, WI 54627 Full Service B&M $24,740
    Citizens Community Federal National Association 2630 Bridge Ave Albert Lea, MN 56007 Full Service B&M $41,113
    Citizens Community Federal National Association 2727 Commercial Blvd Chippewa Falls, WI 54729 Full Service Retail $26,244
    Citizens Community Federal National Association 2850 Decker Drive Rice Lake, WI 54868 Full Service B&M $29,065
    Citizens Community Federal National Association 300 Western Ave Nw, Ste 100 Faribault, MN 55021 Full Service Retail $32,875
    Citizens Community Federal National Association 303 South Main Street Blue Earth, MN 56013 Full Service B&M $29,637
    Citizens Community Federal National Association 3151 South Service Drive Red Wing, MN 55066 Full Service Retail $19,440
    Citizens Community Federal National Association 322 North River Street Spooner, WI 54801 Full Service B&M $90,487
    Citizens Community Federal National Association 3625 Gateway Drive Eau Claire, WI 54701 Full Service B&M $82,974
    Citizens Community Federal National Association 436 East La Salle Avenue Barron, WI 54812 Full Service B&M $33,446
    Citizens Community Federal National Association 501 1st Ave S Saint James, MN 56081 Full Service B&M $17,609
    Citizens Community Federal National Association 50518 Charles Street Osseo, WI 54758 Full Service B&M $64,090
    Citizens Community Federal National Association 50659 Main St North Eleva, WI 54738 Full Service B&M $24,727
    Citizens Community Federal National Association 53 First Streeet, S.W. Wells, MN 56097 Full Service B&M $47,934
    Citizens Community Federal National Association 7035 10th Street N Oakdale, MN 55128 Full Service B&M $29,673
    Citizens Community Federal National Association 810 Miner Avenue West Ladysmith, WI 54848 Full Service B&M $28,630

    For 2020, Citizens Community Federal had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $64,739
    Net interest income $52,925
    Total noninterest income $14,568
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,699
    Trading account gains and fees $0
    Additional Noninterest Income $12,869
    Pre-tax net operating income $20,228
    Securities gains (or losses, -) $111
    Income before extraordinary items $14,978
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,978
    Minority interest net income $0
    Net income $14,978
    Sale, conversion, retirement of capital stock, net $530
    Net operating income $14,890

    Citizens Community Federal's gross interest income from loans was $64,739,000.
    Citizens Community Federal's net interest income from loans was $52,925,000.
    Citizens Community Federal's fee based income from loans was $1,699,000.
    Citizens Community Federal's net income from loans was $14,978,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,814
    Provision for credit losses $7,750
    Total noninterest expense $39,515
    Salaries and employee benefits $21,545
    Premises and equipment expense $5,417
    Additional noninterest expense $12,553
    Applicable income taxes $5,361
    Net charge-offs $1,027
    Cash dividends $10,500

    Citizens Community Federal's interest expense for loans was $11,814,000.
    Citizens Community Federal's payroll and benefits expense were $21,545,000.
    Citizens Community Federal's property, plant and equipment expenses $5,417,000.

    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 1.0%
    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 $1,319,509
    Deposits held in domestic offices $1,319,509
    Deposits by Individuals, partnerships, and corporations $1,166,575
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $150,166
    Deposits by Commercial banks and other depository institutions in U.S. $2,766
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $564,366
    Demand deposits $564,085
    Nontransaction accounts $755,143
    Money market deposit accounts (MMDAs) $245,549
    Other savings deposits (excluding MMDAs) $196,350
    Total time deposits $313,244
    Total time and savings deposits $755,424
    Noninterest-bearing deposits $262,327
    Interest-bearing deposits $1,057,182
    Retail deposits $1,273,083
    IRAs and Keogh plan accounts $41,383
    Brokered deposits $2,516
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,648,971
    Cash & Balances due from depository institutions $122,449
    Interest-bearing balances $85,003
    Total securities $187,984
    Federal funds sold & reverse repurchase $741
    Net loans and leases $1,223,613
    Loan and leases loss allowance $17,043
    Trading account assets $0
    Bank premises and fixed assets $23,314
    Other real estate owned $156
    Goodwill and other intangibles $40,244
    All other assets $50,470

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,648,971
    Total Liabilities $1,453,408
    Total deposits $1,319,509
    Interest-bearing deposits $1,057,182
    Deposits held in domestic offices $1,319,509
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $123,499
    Subordinated debt $0
    All other liabilities $10,400

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,223,613
    Loan and leases loss allowance $17,043
    Total loans and leases (domestic) $1,240,656
    All real estate loans $933,001
    Real estate loans in domestic offices $933,001
    Construction and development loans $108,765
    Residential 1-4 family construction $26,311
    Other construction, all land development and other land $82,454
    Loans secured by nonfarm nonresidential properties $420,165
    Nonfarm nonresidential secured by owner-occupied properties $198,921
    Commercial real estate & other non-farm, non-residential $221,244
    Multifamily residential real estate $122,152
    1-4 family residential loans $212,944
    Farmland loans $68,975
    Loans held in foreign offices $0
    Farm loans $32,785
    Commercial and industrial loans $215,883
    To non-U.S. addressees $0
    Loans to individuals $39,205
    Credit card loans $0
    Related Plans $729
    Consumer Auto Loans $6,548
    Other loans to individuals $31,928
    All other loans & leases $19,782
    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 $7,855
    Non 1-4 family restructured loans & leases $4,649
    Total loans and leases (foreign) $0

    Citizens Community Federal had $1,223,613,000 of loans outstanding in 2020. $933,001,000 of loans were in real estate loans. $108,765,000 of loans were in development loans. $122,152,000 of loans were in multifamily mortgage loans. $212,944,000 of loans were in 1-4 family mortgage loans. $32,785,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,548,000 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 528 $106,552 $201,803
    Nonfarm, nonresidential loans - <$100k 133 $5,001 $37,602
    Nonfarm, nonresidential loans - $100-250k 158 $20,862 $132,038
    Nonfarm, nonresidential loans - $250k-1MM 237 $80,689 $340,460
    Commercial & Industrial, US addressed loans - <$1MM 674 $55,770 $82,745
    Commercial & Industrial, US addressed loans - <$100k 410 $7,987 $19,480
    Commercial & Industrial, US addressed loans - $100-250k 141 $11,373 $80,660
    Commercial & Industrial, US addressed loans - $250k-1MM 123 $36,410 $296,016
    Farmland loans - <$1MM 287 $28,913 $100,742
    Farmland loans - <$100k 109 $4,001 $36,706
    Farmland loans - $100-250k 108 $11,645 $107,824
    Farmland loans - $250k-1MM 70 $13,267 $189,529
    Agriculture operations loans - <$1MM 277 $18,056 $65,184
    Agriculture operations loans - <$100k 156 $3,054 $19,577
    Agriculture operations loans - $100-250k 75 $6,800 $90,667
    Agriculture operations loans - $250k-1MM 46 $8,202 $178,304