Citizens Community Federal National Association
Altoona, WI
IDRSSD: 962890
Total Assets
$1.78B
Latest filing
Total Deposits
$1.55B
Latest filing
Net Interest Margin
3.43%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
291880330ALTOONA, WI
Key People
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Locations
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Main Office
Citizens Community Federal National Association
219 Fairfax St
Altoona, WI 54720
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/10/2001FDIC Certificate 360330
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Citizens Community Federal National Association (Main) | 219 Fairfax St | Altoona, WI |
| STRUM BRANCH | 131 5th Ave N | Strum, WI |
| MONDOVI BRANCH | 203 E Main St | Mondovi, WI |
| CHIPPEWA FALLS HALLIE BRANCH | 2727 Commercial Blvd | Chippewa Falls, WI |
| BLUE EARTH BRANCH | 303 S Main St | Blue Earth, MN |
| FAIR MALL SHOPPING CENTER BRANCH | 1015 Highway 15 S | Fairmont, MN |
| SKYLINE SHOPPING CENTER BRANCH | 2630 Bridge Ave | Albert Lea, MN |
| LADYSMITH BRANCH | 810 Miner Ave W | Ladysmith, WI |
Showing 7 of 21
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/10/2001 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54720 |
| State and County Number | 55035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Eau Claire, WI |
Operational Info
| Number of Employees | 215 |
| Domestic Offices | 22 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/10/2001 |
| Primary Insurance Agency | DIF |
| Website | www.ccf.us |
| Data Updated | 01/30/2026 |
| CERT | 57265 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.78B |
| Total Deposits | $1.55B |
| Total Liabilities | $1.57B |
| Total Equity Capital | $212.96M |
| Net Income | $4.89M |
| Net Loans and Leases | $1.32B |
| Assets Per Employee ($Millions) | $8.05M |
| Bank Premises and Fixed Assets | $17.09M |
| Cash and Balances due from Depository Institutions | $116.59M |
| Deposits Held in Domestic Offices | $1.55B |
Key Performance Ratios
| Return on Assets (ROA) | 1.12% |
| Return on Equity (ROE) | 8.89% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 62.48% |
| Tier 1 Risk-Based Capital Ratio | 13.367% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.968% |
| Earning Assets to total Assets | 91.72% |
Income and Expense
| Total Interest Income | $21.80M |
| Total Noninterest Income | $2.43M |
| Total Interest Expense | $8.00M |
| Total Noninterest Expense | $10.26M |
| Net Interest Income | $13.80M |
| Pre-tax Net Operating Income | $5.78M |
| Provision for Credit Losses | $200.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $850.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.27M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $16.84M |
| Total Liabilities and Capital | $1.78B |
Securities
| Securities | $216.79M |
| Available-for-sale debt securities | $134.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $80.21M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Community Federal National Association?
$1.78B as of the latest filing.
How much are Citizens Community Federal National Association's total deposits?
$1.55B in total deposits.
Where is Citizens Community Federal National Association located?
Altoona, WI.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
22.
When was it established?
12/10/2001.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$1.32B (latest filing).
What is the total interest income (latest filing)?
$21.80M.