Citizens Community Bancorp, Inc. is a bank holding company that provides commercial, agricultural, and consumer banking services through its subsidiary, Citizens Community Federal N.A., with approximately 21 branch locations across Wisconsin and Minnesota serving individual consumers and small commercial borrowers in regional markets including the Chippewa Valley, Twin Cities, and Mankato areas. The company generates revenue primarily from interest income on loans and investments, deposit service fees, loan origination fees, and FHLB dividends, offering a traditional range of community banking products including commercial and agricultural real estate loans, commercial and industrial loans, residential mortgages, consumer installment loans, multiple deposit account types, and investment securities. It competes with banks, credit unions, and finance companies by emphasizing relationship banking, service quality, and responsiveness to local business needs.