Business: Citizens Community Bancorp, Inc. operates as the holding company for Citizens Community Federal that offers various financial services in Wisconsin, Minnesota, and Michigan. Citizens is a federally chartered savings bank based in Eau Claire, Wisconsin. With over 50,000 customers and assets totaling more than $480 million, Citizens is both strong and growing. Bauer Financial, a national rating service based in Coral Gables, Florida, has awarded Citizens with its highest "Five-Star"or "superior"rating. And its strength in consumer lending has distinguished Citizens in the banking industry.