UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

________________

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): ~~June~~July 177, 2025

CITIZENS COMMUNITY BANCORP, INC.

(Exact name of registrant as specified in its charter)

Maryland

(State or other jurisdiction of incorporation)


001-33003						20-5120010
(Commission File Number)						(I.R.S. Employer Identification No.)

2174 EastRidge Center

Eau Claire, WI 54701

(Address and Zip Code of principal executive offices)

715-836-9994

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


☐						Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐						Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐						Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐						Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered or to be registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $.01 par value per share	CZWI	NASDAQ Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933. (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter.)

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 52.0704. ~~Submission~~Triggering ofEvents ~~Matters~~That toAccelerate or Increase a ~~Vote~~Direct ofFinancial ~~Security~~Obligation ~~Holders~~or an Obligation under an Off-Balance Sheet Arrangement.

OnAs ~~June~~previously ~~17,~~disclosed ~~2025,~~in a Form 8-K filed by Citizens Community Bancorp, Inc. (the "“Company"”) ~~held~~on ~~its~~August ~~2025~~27, ~~Annual~~2020, ~~Meeting~~the ofCompany ~~Stockholders~~agreed ~~(the~~to ~~"Annual~~issue ~~Meeting")~~and sell 6.00% Afixed-to-floating ~~total~~rate ofsubordinated 9notes due September 1,~~989~~ 2030,~~536~~ ~~shares~~(the “Notes”) in the principal amount of ~~common~~$15 ~~stock~~million. ~~were~~The ~~eligible~~Notes tomay ~~vote~~be redeemed at the ~~Annual~~option ~~Meeting.~~of ~~The~~the ~~matters~~Company ~~voted~~at any time on ator after the ~~Annual~~fifth ~~Meeting~~anniversary ~~were~~of asthe ~~follows:~~effective date of the Notes.

~~1. Proposal~~On 1:July ~~Election~~7, 2025, the Board of Directors: of the Company approved redemption of the entire principal balance of the Notes in the aggregate amount of $15 million plus accrued and unpaid interest, and authorized management to provide notice of such redemption to the noteholders. The redemption date is September 1, 2025.

~~Stephen~~Cautionary M.Statement ~~Bianchi,~~Regarding ~~James~~Forward-Looking ~~D. Moll and Kathleen S. Skarvan were elected directors of the Company. The results of the vote were as follows:~~Statements

Name	Votes For	Votes Withheld	Broker Non-Votes
Stephen M. Bianchi	6,022,560	561,375	945,491
James D. Moll	5,062,992	1,520,943	945,491
Kathleen S. Skarvan	5,052,105	1,531,830	945,491

Certain statements contained in this Form 8-K are considered “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements may be identified using forward-looking words or phrases such as “anticipate,” “believe,” “could,” “expect,” “estimates,” “intend,” “may,” “on pace,” “preliminary,” “planned,” “potential,” “should,” “will,” “would” or the negative of those terms or other words of similar meaning. Such forward-looking statements in this release are inherently subject to many uncertainties arising in the operations and business environment of the Company and its subsidiary, Citizens Community Federal N.A. (the “Bank”). These uncertainties include: conditions in the financial markets and economic conditions generally; the impact of inflation on our business and our customers; geopolitical tensions, including current or anticipated impact of military conflicts; higher lending risks associated with our commercial and agricultural banking activities; future pandemics (including new variants of COVID-19); cybersecurity risks; adverse impacts on the regional banking industry and the business environment in which it operates; interest rate risk; lending risk; changes in the fair value or ratings downgrades of our securities; the sufficiency of allowance for credit losses; competitive pressures among depository and other financial institutions; disintermediation risk; our ability to maintain our reputation; our ability to maintain or increase our market share; our ability to realize the benefits of net deferred tax assets; our ability to obtain needed liquidity; our ability to raise capital needed to fund growth or meet regulatory requirements; our ability to attract and retain key personnel; our ability to keep pace with technological change; prevalence of fraud and other financial crimes; the possibility that our internal controls and procedures could fail or be circumvented; our ability to successfully execute our acquisition growth strategy; risks posed by acquisitions and other expansion opportunities, including difficulties and delays in integrating the acquired business operations or fully realizing the cost savings and other benefits; restrictions on our ability to pay dividends; the potential volatility of our stock price; accounting standards for credit losses; legislative or regulatory changes or actions, or significant litigation, adversely affecting the Company or the Bank; public company reporting obligations; changes in federal or state tax laws; and changes in accounting principles, policies or guidelines and their impact on financial performance. Stockholders, potential investors, and other readers are urged to consider these factors carefully in evaluating the forward-looking statements and are cautioned not to place undue reliance on such forward-looking statements. Such uncertainties and other risks that may affect the Company’s performance are discussed further in Part I, Item 1A, “Risk Factors,” in the Company’s Form 10-K, for the year ended December 31, 2024, filed with the Securities and Exchange Commission (“SEC”) on March 13, 2025 and the Company’s subsequent filings with the SEC. The Company undertakes no obligation to make any revisions to the forward-looking statements contained in this news release or to update them to reflect events or circumstances occurring after the date of this release.

2. Proposal 2: Ratification of the Appointment of the Company's Independent Registered Public Accounting Firm:

The Stockholders approved the proposal to ratify the appointment by the Company's Audit Committee of Crowe LLP as the Company's independent registered public accounting firm for the fiscal year ending December 31, 2025. The results of the vote were as follows:

Votes For						Votes Against						Abstentions						Broker Non-Votes
7,408,134						105,697						15,595						—

3. Proposal 3: Advisory (non-binding) vote on the executive compensation of the Company's named executive officers:

The Stockholders approved the advisory (non-binding) proposal regarding the compensation of the Company's named executive officers as disclosed in the Proxy Statement for the Annual Meeting. The results of the vote were as follows:

Votes For						Votes Against						Abstentions						Broker Non-Votes
6,000,132						292,686						291,117						945,491

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIZENS COMMUNITY BANCORP, INC.

Date: June 23, 2025

By:

/s/ James S. Broucek

Date: July 9, 2025

By:

/s/ James S. Broucek

James S. Broucek

Chief Financial Officer

Filing Compare · Citizens Community Bancorp Inc.