X0202 SCHEDULE 13D/A 0002128672 XXXXXXXX LIVE 3 Common Stock 07/27/2026 false 0001367859 174903104 Citizens Community Bancorp, Inc.

2174 EastRidge Center Eau Claire WI 54701

Andrew Schornack (952) 944-6050 7525 Office Ridge Circle Eden Prairie MN 55344 Y Gale Hoese b PF N X1 700000.00 0.00 700000.00 0.00 878472.49 N 9.1 IN 0002128672 N Andrew Schornack b PF N X1 21048.00 0.00 21048.00 0.00 878472.49 N 9.1 IN Y Jill Schornack b PF N X1 13952.00 0.00 13952.00 0.00 878472.49 N 9.1 IN Y David Schornack b PF N X1 84573.49 270.00 84573.49 270.00 878472.49 N 9.1 IN Y Denise Schornack b PF N X1 1305.00 270.00 1305.00 270.00 878472.49 N 9.1 IN Y Jonathan Hoese b PF N X1 40000.00 0.00 40000.00 0.00 878472.49 N 9.1 IN Y Tamara Retka b PF N X1 8312.00 0.00 8312.00 0.00 878472.49 N 9.1 IN Y Noah Retka b PF N X1 5500.00 0.00 5500.00 0.00 878472.49 N 9.1 IN Y Joseph Schornack b PF N X1 3512.00 0.00 3512.00 0.00 878472.49 N 9.1 IN Common Stock Citizens Community Bancorp, Inc. 2174 EastRidge Center Eau Claire WI 54701 This Amendment No. 3 (this "Amendment No. 3") amends and supplements the Schedule 13D originally filed by the Reporting Persons with the Securities and Exchange Commission on June 4, 2026, amended by an Amendment No. 1 filed by the Reporting Persons with the Securities and Exchange Commission on June 29, 2026 and by an Amendment No. 2 filed by the Reporting Persons with the Securities and Exchange Commission on July 8, 2026 (collectively, the "Statement"). Unless otherwise defined herein, capitalized terms used in this Amendment No. 3 shall have the meanings ascribed to them in the Statement. Unless amended or supplemented below, the information in the Statement remains unchanged; provided that the beneficial ownership information in this Amendment No. 3 is as of July 7, 2026 and there has been no "material change" in such information requiring an amendment. Item 4 of the Statement is hereby amended and restated in its entirety as follows: The Reporting Persons acquired their shares of Common Stock for investment purposes. The Reporting Persons believe the shares are undervalued relative to the Issuer's intrinsic value, long-term earnings potential, and franchise value. The Reporting Persons are experienced community banking operators with a track record of building and growing community banking franchises. The Reporting Persons believe the Issuer possesses an attractive community banking platform with strong deposit-gathering capabilities, disciplined credit management, and favorable market positioning in Wisconsin and Minnesota. The Reporting Persons intend to use their experience to support the Issuer's continued growth and the enhancement of long-term value for all shareholders. The Reporting Persons intend to review their investment in the Issuer on a continuing basis. Depending upon the price and availability of shares of Common Stock, subsequent developments affecting the Issuer, the Issuer's business and prospects, general stock market and economic conditions, tax considerations, and other factors, the Reporting Persons may from time to time acquire additional shares of Common Stock or dispose of shares of Common Stock in open market transactions, privately negotiated transactions, or otherwise. The Reporting Persons have from time to time, and may in the future, engage in discussions with the Issuer's management, Board of Directors, other shareholders, industry participants, or other relevant parties regarding the Issuer's business, operations, governance, capitalization, ownership structure, strategy, board composition, and other matters, including the possibility of one or more extraordinary transactions such as a merger, business combination, recapitalization, restructuring, or other strategic transaction involving the Issuer. On July 27, 2026, certain of the Reporting Persons discussed with the Issuer's management potential changes in the composition of the board of directors of the Issuer and the addition of one or more directors nominated by the Reporting Persons. The Reporting Persons expect to continue this dialogue with the Issuer, its management and board of directors and may continue to propose or make additional proposals regarding a change in the present board of directors or management of the Issuer, including proposals to change the number or term of directors or to fill any existing vacancies on the board. Except as set forth herein, the Reporting Persons do not have any present plans or proposals that relate to or would result in any of the actions described in subparagraphs (a) through (j) of Item 4 of Schedule 13D, although the Reporting Persons reserve the right to develop such plans or proposals in the future and to take any and all actions that they may deem appropriate to maximize the value of their investment in the Issuer. Gale Hoese /s/ Gale Hoese 07/29/2026 Andrew Schornack /s/ Andrew Schornack 07/29/2026 Jill Schornack /s/ Jill Schornack 07/29/2026 David Schornack /s/ David Schornack 07/29/2026 Denise Schornack /s/ Denise Schornack 07/29/2026 Jonathan Hoese /s/ Jonathan Hoese 07/29/2026 Tamara Retka /s/ Tamara Retka 07/29/2026 Noah Retka /s/ Noah Retka 07/29/2026 Joseph Schornack /s/ Joseph Schornack 07/29/2026