<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2021 Workiva-->
<!--r:aad5dbc6-fc7e-4a9d-a9b2-cdc124c1a177,g:34094ded-13ec-4e2e-9bc4-1a57d24d8df2-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:czwi="http://citizenscommunityfederal.net/20210331" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://citizenscommunityfederal.net/20210331">
  <xs:import namespace="http://fasb.org/srt/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd"/>
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2020-01-31" schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="czwi-20210331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="czwi-20210331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="czwi-20210331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="czwi-20210331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://citizenscommunityfederal.net/role/CoverPage">
        <link:definition>0001001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheets" roleURI="http://citizenscommunityfederal.net/role/ConsolidatedBalanceSheets">
        <link:definition>1001002 - Statement - Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheetsParenthetical" roleURI="http://citizenscommunityfederal.net/role/ConsolidatedBalanceSheetsParenthetical">
        <link:definition>1002003 - Statement - Consolidated Balance Sheets (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofOperationsunaudited" roleURI="http://citizenscommunityfederal.net/role/ConsolidatedStatementsofOperationsunaudited">
        <link:definition>1003004 - Statement - Consolidated Statements of Operations (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofComprehensiveIncomeunaudited" roleURI="http://citizenscommunityfederal.net/role/ConsolidatedStatementsofComprehensiveIncomeunaudited">
        <link:definition>1004005 - Statement - Consolidated Statements of Comprehensive Income (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementofChangesinStockholdersEquityunaudited" roleURI="http://citizenscommunityfederal.net/role/ConsolidatedStatementofChangesinStockholdersEquityunaudited">
        <link:definition>1005006 - Statement - Consolidated Statement of Changes in Stockholders' Equity (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementofChangesinStockholdersEquityunauditedParenthetical" roleURI="http://citizenscommunityfederal.net/role/ConsolidatedStatementofChangesinStockholdersEquityunauditedParenthetical">
        <link:definition>1006007 - Statement - Consolidated Statement of Changes in Stockholders' Equity (unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofCashFlowsunaudited" roleURI="http://citizenscommunityfederal.net/role/ConsolidatedStatementsofCashFlowsunaudited">
        <link:definition>1007008 - Statement - Consolidated Statements of Cash Flows (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NATUREOFBUSINESSANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES" roleURI="http://citizenscommunityfederal.net/role/NATUREOFBUSINESSANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES">
        <link:definition>2101101 - Disclosure - NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NATUREOFBUSINESSANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies" roleURI="http://citizenscommunityfederal.net/role/NATUREOFBUSINESSANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies">
        <link:definition>2202201 - Disclosure - NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NATUREOFBUSINESSANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/NATUREOFBUSINESSANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESNarrativeDetails">
        <link:definition>2403401 - Disclosure - NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIES" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIES">
        <link:definition>2104102 - Disclosure - INVESTMENT SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESTables" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESTables">
        <link:definition>2305301 - Disclosure - INVESTMENT SECURITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESAvailableforSaleSecuritiesDetails" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESAvailableforSaleSecuritiesDetails">
        <link:definition>2406402 - Disclosure - INVESTMENT SECURITIES - Available-for-Sale Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESHeldtoMaturitySecuritiesDetails" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESHeldtoMaturitySecuritiesDetails">
        <link:definition>2407403 - Disclosure - INVESTMENT SECURITIES - Held-to-Maturity Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESNarrativeDetails">
        <link:definition>2408404 - Disclosure - INVESTMENT SECURITIES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESMaturityofAvailableforSaleSecuritiesDetails" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESMaturityofAvailableforSaleSecuritiesDetails">
        <link:definition>2409405 - Disclosure - INVESTMENT SECURITIES - Maturity of Available-for-Sale Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESMaturityofHeldtoMaturitySecuritiesDetails" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESMaturityofHeldtoMaturitySecuritiesDetails">
        <link:definition>2410406 - Disclosure - INVESTMENT SECURITIES - Maturity of Held-to-Maturity Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESInvestmentCategoryofAvailableforSaleSecuritiesDetails" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESInvestmentCategoryofAvailableforSaleSecuritiesDetails">
        <link:definition>2411407 - Disclosure - INVESTMENT SECURITIES - Investment Category of Available-for-Sale Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESInvestmentCategoryofHeldtoMaturitySecuritiesDetails" roleURI="http://citizenscommunityfederal.net/role/INVESTMENTSECURITIESInvestmentCategoryofHeldtoMaturitySecuritiesDetails">
        <link:definition>2412408 - Disclosure - INVESTMENT SECURITIES - Investment Category of Held-to-Maturity Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANS" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANS">
        <link:definition>2113103 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTables" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTables">
        <link:definition>2314302 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSNarrativeDetails">
        <link:definition>2415409 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSOriginatedandAcquiredLoansbyTypeandRiskDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSOriginatedandAcquiredLoansbyTypeandRiskDetails">
        <link:definition>2416410 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Originated and Acquired Loans by Type and Risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSSBAPPPLoansbyRoundDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSSBAPPPLoansbyRoundDetails">
        <link:definition>2417411 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - SBA PPP Loans by Round (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSChangesintheALLbyLoanTypeDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSChangesintheALLbyLoanTypeDetails">
        <link:definition>2418412 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Changes in the ALL by Loan Type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSLoansReceivablebyLoanTypeDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSLoansReceivablebyLoanTypeDetails">
        <link:definition>2419413 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Loans Receivable by Loan Type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSAgingAnalysisDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSAgingAnalysisDetails">
        <link:definition>2420414 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Aging Analysis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSImpairedLoansDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSImpairedLoansDetails">
        <link:definition>2421415 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Impaired Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTDRLoansDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTDRLoansDetails">
        <link:definition>2422416 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - TDR Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTDRLoanModificationsDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTDRLoanModificationsDetails">
        <link:definition>2423417 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - TDR Loan Modifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSLoansbyLoanSegmentDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSLoansbyLoanSegmentDetails">
        <link:definition>2424418 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Loans by Loan Segment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTroubledDebtRestructuringsDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSTroubledDebtRestructuringsDetails">
        <link:definition>2425419 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Troubled Debt Restructurings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSAcquiredLoansOutstandingBalanceandtheCarryingAmountDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSAcquiredLoansOutstandingBalanceandtheCarryingAmountDetails">
        <link:definition>2426420 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Acquired Loans Outstanding Balance and the Carrying Amount (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSAccretableYieldDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSAccretableYieldDetails">
        <link:definition>2427421 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Accretable Yield (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSNonAccretableYieldDetails" roleURI="http://citizenscommunityfederal.net/role/LOANSALLOWANCEFORLOANLOSSESANDIMPAIREDLOANSNonAccretableYieldDetails">
        <link:definition>2428422 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS - Non-Accretable Yield (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MORTGAGESERVICINGRIGHTS" roleURI="http://citizenscommunityfederal.net/role/MORTGAGESERVICINGRIGHTS">
        <link:definition>2129104 - Disclosure - MORTGAGE SERVICING RIGHTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MORTGAGESERVICINGRIGHTSTables" roleURI="http://citizenscommunityfederal.net/role/MORTGAGESERVICINGRIGHTSTables">
        <link:definition>2330303 - Disclosure - MORTGAGE SERVICING RIGHTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MORTGAGESERVICINGRIGHTSNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/MORTGAGESERVICINGRIGHTSNarrativeDetails">
        <link:definition>2431423 - Disclosure - MORTGAGE SERVICING RIGHTS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MORTGAGESERVICINGRIGHTSServicingAssetatAmortizedCostDetails" roleURI="http://citizenscommunityfederal.net/role/MORTGAGESERVICINGRIGHTSServicingAssetatAmortizedCostDetails">
        <link:definition>2432424 - Disclosure - MORTGAGE SERVICING RIGHTS - Servicing Asset at Amortized Cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASES" roleURI="http://citizenscommunityfederal.net/role/LEASES">
        <link:definition>2133105 - Disclosure - LEASES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASESTables" roleURI="http://citizenscommunityfederal.net/role/LEASESTables">
        <link:definition>2334304 - Disclosure - LEASES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASESNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/LEASESNarrativeDetails">
        <link:definition>2435425 - Disclosure - LEASES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASESOperatingLeasesDetails" roleURI="http://citizenscommunityfederal.net/role/LEASESOperatingLeasesDetails">
        <link:definition>2436426 - Disclosure - LEASES - Operating Leases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASESMaturitiesofOperatingLeaseLiabilitiesDetails" roleURI="http://citizenscommunityfederal.net/role/LEASESMaturitiesofOperatingLeaseLiabilitiesDetails">
        <link:definition>2437427 - Disclosure - LEASES - Maturities of Operating Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LEASESMaturitiesofOperatingLeaseLiabilitiesDetails_1" roleURI="http://citizenscommunityfederal.net/role/LEASESMaturitiesofOperatingLeaseLiabilitiesDetails_1">
        <link:definition>2437427 - Disclosure - LEASES - Maturities of Operating Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITS" roleURI="http://citizenscommunityfederal.net/role/DEPOSITS">
        <link:definition>2138106 - Disclosure - DEPOSITS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSTables" roleURI="http://citizenscommunityfederal.net/role/DEPOSITSTables">
        <link:definition>2339305 - Disclosure - DEPOSITS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSDepositsbyTypeDetails" roleURI="http://citizenscommunityfederal.net/role/DEPOSITSDepositsbyTypeDetails">
        <link:definition>2440428 - Disclosure - DEPOSITS - Deposits by Type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSMaturitiesofTimeDepositsDetails" roleURI="http://citizenscommunityfederal.net/role/DEPOSITSMaturitiesofTimeDepositsDetails">
        <link:definition>2441429 - Disclosure - DEPOSITS - Maturities of Time Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/DEPOSITSNarrativeDetails">
        <link:definition>2442430 - Disclosure - DEPOSITS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGS" roleURI="http://citizenscommunityfederal.net/role/FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGS">
        <link:definition>2143107 - Disclosure - FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK ADVANCES AND OTHER BORROWINGS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGSTables" roleURI="http://citizenscommunityfederal.net/role/FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGSTables">
        <link:definition>2344306 - Disclosure - FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK ADVANCES AND OTHER BORROWINGS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGSSummaryDetails" roleURI="http://citizenscommunityfederal.net/role/FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGSSummaryDetails">
        <link:definition>2445431 - Disclosure - FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK ADVANCES AND OTHER BORROWINGS - Summary (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGSNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/FEDERALHOMELOANBANKANDFEDERALRESERVEBANKADVANCESANDOTHERBORROWINGSNarrativeDetails">
        <link:definition>2446432 - Disclosure - FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK ADVANCES AND OTHER BORROWINGS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CAPITALMATTERS" roleURI="http://citizenscommunityfederal.net/role/CAPITALMATTERS">
        <link:definition>2147108 - Disclosure - CAPITAL MATTERS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CAPITALMATTERSTables" roleURI="http://citizenscommunityfederal.net/role/CAPITALMATTERSTables">
        <link:definition>2348307 - Disclosure - CAPITAL MATTERS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CAPITALMATTERSSummaryDetails" roleURI="http://citizenscommunityfederal.net/role/CAPITALMATTERSSummaryDetails">
        <link:definition>2449433 - Disclosure - CAPITAL MATTERS - Summary (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATION" roleURI="http://citizenscommunityfederal.net/role/STOCKBASEDCOMPENSATION">
        <link:definition>2150109 - Disclosure - STOCK-BASED COMPENSATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATIONTables" roleURI="http://citizenscommunityfederal.net/role/STOCKBASEDCOMPENSATIONTables">
        <link:definition>2351308 - Disclosure - STOCK-BASED COMPENSATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATIONNarrativeDetails" roleURI="http://citizenscommunityfederal.net/role/STOCKBASEDCOMPENSATIONNarrativeDetails">
        <link:definition>2452434 - Disclosure - STOCK-BASED COMPENSATION - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATIONRestrictedStockAwardDetails" roleURI="http://citizenscommunityfederal.net/role/STOCKBASEDCOMPENSATIONRestrictedStockAwardDetails">
        <link:definition>2453435 - Disclosure - STOCK-BASED COMPENSATION - Restricted Stock Award (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATIONCommonStockOptionsAwardsDetails" roleURI="http://citizenscommunityfederal.net/role/STOCKBASEDCOMPENSATIONCommonStockOptionsAwardsDetails">
        <link:definition>2454436 - Disclosure - STOCK-BASED COMPENSATION - Common Stock Options Awards (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKBASEDCOMPENSATION2004StockOptionandIncentivePlanand2008EquityIncentivePlanInformationDetails" roleURI="http://citizenscommunityfederal.net/role/STOCKBASEDCOMPENSATION2004StockOptionandIncentivePlanand2008EquityIncentivePlanInformationDetails">
        <link:definition>2455437 - Disclosure - STOCK-BASED COMPENSATION - 2004 Stock Option and Incentive Plan and 2008 Equity Incentive Plan Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEACCOUNTING" roleURI="http://citizenscommunityfederal.net/role/FAIRVALUEACCOUNTING">
        <link:definition>2156110 - Disclosure - FAIR VALUE ACCOUNTING</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEACCOUNTINGTables" roleURI="http://citizenscommunityfederal.net/role/FAIRVALUEACCOUNTINGTables">
        <link:definition>2357309 - Disclosure - FAIR VALUE ACCOUNTING (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEACCOUNTINGAssetsMeasuredonaRecurringBasisDetails" roleURI="http://citizenscommunityfederal.net/role/FAIRVALUEACCOUNTINGAssetsMeasuredonaRecurringBasisDetails">
        <link:definition>2458438 - Disclosure - FAIR VALUE ACCOUNTING - Assets Measured on a Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEACCOUNTINGAssetsMeasuredonaNonrecurringBasisDetails" roleURI="http://citizenscommunityfederal.net/role/FAIRVALUEACCOUNTINGAssetsMeasuredonaNonrecurringBasisDetails">
        <link:definition>2459439 - Disclosure - FAIR VALUE ACCOUNTING - Assets Measured on a Nonrecurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEACCOUNTINGLevel3FairValueInputsDetails" roleURI="http://citizenscommunityfederal.net/role/FAIRVALUEACCOUNTINGLevel3FairValueInputsDetails">
        <link:definition>2460440 - Disclosure - FAIR VALUE ACCOUNTING - Level 3 Fair Value Inputs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEACCOUNTINGCarryingAmountandEstimatedFairValueDetails" roleURI="http://citizenscommunityfederal.net/role/FAIRVALUEACCOUNTINGCarryingAmountandEstimatedFairValueDetails">
        <link:definition>2461441 - Disclosure - FAIR VALUE ACCOUNTING - Carrying Amount and Estimated Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OTHERCOMPREHENSIVEINCOMELOSS" roleURI="http://citizenscommunityfederal.net/role/OTHERCOMPREHENSIVEINCOMELOSS">
        <link:definition>2162111 - Disclosure - OTHER COMPREHENSIVE INCOME (LOSS)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OTHERCOMPREHENSIVEINCOMELOSSTables" roleURI="http://citizenscommunityfederal.net/role/OTHERCOMPREHENSIVEINCOMELOSSTables">
        <link:definition>2363310 - Disclosure - OTHER COMPREHENSIVE INCOME (LOSS) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OTHERCOMPREHENSIVEINCOMELOSSComponentsofOtherComprehensiveIncomeLossDetails" roleURI="http://citizenscommunityfederal.net/role/OTHERCOMPREHENSIVEINCOMELOSSComponentsofOtherComprehensiveIncomeLossDetails">
        <link:definition>2464442 - Disclosure - OTHER COMPREHENSIVE INCOME (LOSS) - Components of Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OTHERCOMPREHENSIVEINCOMELOSSChangesintheAccumulatedBalancesDetails" roleURI="http://citizenscommunityfederal.net/role/OTHERCOMPREHENSIVEINCOMELOSSChangesintheAccumulatedBalancesDetails">
        <link:definition>2465443 - Disclosure - OTHER COMPREHENSIVE INCOME (LOSS) - Changes in the Accumulated Balances (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OTHERCOMPREHENSIVEINCOMELOSSReclassificationsoutofAccumulatedOtherComprehensiveIncomeLossDetails" roleURI="http://citizenscommunityfederal.net/role/OTHERCOMPREHENSIVEINCOMELOSSReclassificationsoutofAccumulatedOtherComprehensiveIncomeLossDetails">
        <link:definition>2466444 - Disclosure - OTHER COMPREHENSIVE INCOME (LOSS) - Reclassifications out of Accumulated Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="czwi_ProceedsofFederalHomeLoanBank" abstract="false" name="ProceedsofFederalHomeLoanBank" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_AgriculturalRealEstateMember" abstract="true" name="AgriculturalRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_InvestmentInTroubledDebtRestructuring" abstract="false" name="InvestmentInTroubledDebtRestructuring" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ConsumerInstallmentPortfolioSegmentMember" abstract="true" name="ConsumerInstallmentPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearTwo" abstract="false" name="FederalHomeLoanBankAdvancesYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_RealEstateAndOpenEndedConsumerLoansMember" abstract="true" name="RealEstateAndOpenEndedConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearNineInterestRate" abstract="false" name="FederalHomeLoanBankAdvancesYearNineInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearThreeInterestRate" abstract="false" name="FederalHomeLoanBankAdvancesYearThreeInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_InterestBearingDepositsFairValueDisclosure" abstract="false" name="InterestBearingDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_TwoThousandAndEightEquityIncentivePlanMember" abstract="true" name="TwoThousandAndEightEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_OriginatedLoansMember" abstract="true" name="OriginatedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_LoansbyTypeDomain" abstract="true" name="LoansbyTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_MPFCreditEnhancementFeeMember" abstract="true" name="MPFCreditEnhancementFeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_TdrLoansAndLeasesReceivableNetReportedAmount" abstract="false" name="TdrLoansAndLeasesReceivableNetReportedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearFourInterestRate" abstract="false" name="FederalHomeLoanBankAdvancesYearFourInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_ConstructionandLandDevelopmentMember" abstract="true" name="ConstructionandLandDevelopmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearNine" abstract="false" name="FederalHomeLoanBankAdvancesYearNine" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CommercialAgriculturalRealEstatePortfolioSegmentMember" abstract="true" name="CommercialAgriculturalRealEstatePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_AmortizationofDebtIssuanceCostsFinancingActivities" abstract="false" name="AmortizationofDebtIssuanceCostsFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableYieldMovementScheduleRollForward" abstract="true" name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNonAccretableYieldMovementScheduleRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_OriginatedLoansBeforeSmallBusinessAssociationPaycheckProtectionProgramLoansMember" abstract="true" name="OriginatedLoansBeforeSmallBusinessAssociationPaycheckProtectionProgramLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_CarryingAmountAndEstimatedFairValueOfFinancialInstrumentsAbstract" abstract="true" name="CarryingAmountAndEstimatedFairValueOfFinancialInstrumentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_TwoThousandandEighteenEquityIncentivePlanMember" abstract="true" name="TwoThousandandEighteenEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_AgriculturalOperatingMember" abstract="true" name="AgriculturalOperatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SmallBusinessAssociationPaycheckProtectionProgramRound2Member" abstract="true" name="SmallBusinessAssociationPaycheckProtectionProgramRound2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_CommonEquityTierOneRiskBasedCapital" abstract="false" name="CommonEquityTierOneRiskBasedCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_SubordinatedNotes600DueAugust2030VariableRateCommencingSeptember2025Member" abstract="true" name="SubordinatedNotes600DueAugust2030VariableRateCommencingSeptember2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_ForeclosedAndRepossessedAssetsMember" abstract="true" name="ForeclosedAndRepossessedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldNonAccretableDifferenceUsedToReduceLoanPrincipalBalance" abstract="false" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldNonAccretableDifferenceUsedToReduceLoanPrincipalBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ProceedsFromSaleOfForeclosedProperties" abstract="false" name="ProceedsFromSaleOfForeclosedProperties" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_MortgageServicingRightsActivityTableTextBlock" abstract="false" name="MortgageServicingRightsActivityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_ScheduleOfLoansByRiskTableTextBlock" abstract="false" name="ScheduleOfLoansByRiskTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_LoansChargedOffPastDueMoreThanDays" abstract="false" name="LoansChargedOffPastDueMoreThanDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="czwi_ShareBasedCompensationArrangementByShareBasedPaymentAwardUnexercisedIncentiveStockOptionsExpectedTerm" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardUnexercisedIncentiveStockOptionsExpectedTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="czwi_NumberOfPropertiesSubjectToOperatingLease" abstract="false" name="NumberOfPropertiesSubjectToOperatingLease" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesMaturitiesSummary" abstract="false" name="FederalHomeLoanBankAdvancesMaturitiesSummary" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ScheduleofAcquiredLoansTableTextBlock" abstract="false" name="ScheduleofAcquiredLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultAtPeriodEndAbstract" abstract="true" name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultAtPeriodEndAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_CommercialandIndustrialMember" abstract="true" name="CommercialandIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SmallBusinessAssociationPaycheckProtectionProgramLoansMember" abstract="true" name="SmallBusinessAssociationPaycheckProtectionProgramLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SharebasedCompensationArrangementbySharebasedPaymentAwardTermofPlan" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardTermofPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="czwi_BrokeredDeposits" abstract="false" name="BrokeredDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_TdrLoanMember" abstract="true" name="TdrLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldNonAccretableDifferenceRealizedAsInterestFromPayoffsOfPurchasedCreditImpairedLoans" abstract="false" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldNonAccretableDifferenceRealizedAsInterestFromPayoffsOfPurchasedCreditImpairedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_AcquiredLoansMember" abstract="true" name="AcquiredLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_InterestIncomeDiscontinuedOverDelinquentDays" abstract="false" name="InterestIncomeDiscontinuedOverDelinquentDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="czwi_TwoThousandAndEightEquityIncentivePlanAndTwoThousandAndEighteenEquityIncentivePlanMember" abstract="true" name="TwoThousandAndEightEquityIncentivePlanAndTwoThousandAndEighteenEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_BankersBankStockMember" abstract="true" name="BankersBankStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_NumberOfTroubledDebtRestructuring" abstract="false" name="NumberOfTroubledDebtRestructuring" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldTransfersFromNonAccretableDifferenceToAccretableDiscount" abstract="false" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldTransfersFromNonAccretableDifferenceToAccretableDiscount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_FinancingReceivableModificationsNonAccrual" abstract="false" name="FinancingReceivableModificationsNonAccrual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_DepositsCertificateAccounts" abstract="false" name="DepositsCertificateAccounts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_SubordinatedNotes6.75DueAugust2027VariableRateCommencingAugust2022Member" abstract="true" name="SubordinatedNotes6.75DueAugust2027VariableRateCommencingAugust2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_PaymentsforProceedsfromofNonmarketableEquitySecurities" abstract="false" name="PaymentsforProceedsfromofNonmarketableEquitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYield" abstract="false" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYield" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ScheduleofAccretableYieldTableTextBlock" abstract="false" name="ScheduleofAccretableYieldTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_MortgageServicingRightsTextBlock" abstract="false" name="MortgageServicingRightsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_AccruedInterestPayablesFairValueDisclosures" abstract="false" name="AccruedInterestPayablesFairValueDisclosures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ClosedEndConsumerLoanMember" abstract="true" name="ClosedEndConsumerLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_LongtermFederalHomeLoanBankAdvancesNet" abstract="false" name="LongtermFederalHomeLoanBankAdvancesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearTwoInterestRate" abstract="false" name="FederalHomeLoanBankAdvancesYearTwoInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_OtherInvestmentsPolicyPolicyTextBlock" abstract="false" name="OtherInvestmentsPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_OtherAcquiredLoansMember" abstract="true" name="OtherAcquiredLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SeniorNotesVariableRateDueIn2031Member" abstract="true" name="SeniorNotesVariableRateDueIn2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_CommonEquityTierOneBasedCapitalToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneBasedCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_DebtSecuritiesHeldToMaturityUnrealizedLossPositionFairValueTableTextBlock" abstract="false" name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesunderOneYear" abstract="false" name="FederalHomeLoanBankAdvancesunderOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_NumberOfOffices" abstract="false" name="NumberOfOffices" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="czwi_NetGainOnDisposalOfForeclosedProperties" abstract="false" name="NetGainOnDisposalOfForeclosedProperties" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_TrustPreferredSecuritiesMember" abstract="true" name="TrustPreferredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SmallBusinessAssociationPaycheckProtectionProgramActivityTableTextBlock" abstract="false" name="SmallBusinessAssociationPaycheckProtectionProgramActivityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_CashPaidDuringYearForAbstract" abstract="true" name="CashPaidDuringYearForAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_OtherLoanRestructuringModificationMember" abstract="true" name="OtherLoanRestructuringModificationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SmallBusinessAssociationPaycheckProtectionProgramRoundAxis" abstract="true" name="SmallBusinessAssociationPaycheckProtectionProgramRoundAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearFive" abstract="false" name="FederalHomeLoanBankAdvancesYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_SpecificMunicipalDepositsMember" abstract="true" name="SpecificMunicipalDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_ScheduleOfAllowanceForLoansByLoanPortfolioTableTextBlock" abstract="false" name="ScheduleOfAllowanceForLoansByLoanPortfolioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_FinancingReceivableModificationsAvailableLineofCreditLoanAmount" abstract="false" name="FinancingReceivableModificationsAvailableLineofCreditLoanAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_NoninterestIncomeLoanFeesAndServicingCharges" abstract="false" name="NoninterestIncomeLoanFeesAndServicingCharges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstractAbstract" abstract="true" name="AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstractAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_LoanToValueRatioPercentage" abstract="false" name="LoanToValueRatioPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_LoansAndLeasesReceivableMeasurementInput" abstract="false" name="LoansAndLeasesReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="czwi_InterchangeIncome" abstract="false" name="InterchangeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ResidentialMortgageLoansServicedForOthers" abstract="false" name="ResidentialMortgageLoansServicedForOthers" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearTenInterestRate" abstract="false" name="FederalHomeLoanBankAdvancesYearTenInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearTen" abstract="false" name="FederalHomeLoanBankAdvancesYearTen" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_FederalReserveBankPaycheckProtectionProgramLiquidityFacilityMember" abstract="true" name="FederalReserveBankPaycheckProtectionProgramLiquidityFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SeniorNotesVariableRateDueInJune2031Member" abstract="true" name="SeniorNotesVariableRateDueInJune2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_TaxEffectsAllocatedToEachComponentOfOtherComprehensiveIncomeTableTextBlock" abstract="false" name="TaxEffectsAllocatedToEachComponentOfOtherComprehensiveIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultAtPeriodEnd" abstract="false" name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultAtPeriodEnd" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldNonAccretableDifferenceTransferredToOREODueToLoanForeclosure" abstract="false" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldNonAccretableDifferenceTransferredToOREODueToLoanForeclosure" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_BankLoanReceivablesAbstract" abstract="true" name="BankLoanReceivablesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_ScheduleOfNonAccretableYieldTableTextBlock" abstract="false" name="ScheduleOfNonAccretableYieldTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="czwi_ClosedEndLoanChargedOffPastDueMoreThanDays" abstract="false" name="ClosedEndLoanChargedOffPastDueMoreThanDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="czwi_CorporateOfficesMember" abstract="true" name="CorporateOfficesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_FinancingReceivableModificationsAccrual" abstract="false" name="FinancingReceivableModificationsAccrual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_MultifamilyRealEstateMember" abstract="true" name="MultifamilyRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContractsAtPeriodEnd" abstract="false" name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContractsAtPeriodEnd" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="czwi_BankBranchMember" abstract="true" name="BankBranchMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_ImpairedLoansWithRelatedAllowancesMember" abstract="true" name="ImpairedLoansWithRelatedAllowancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" abstract="true" name="CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearThree" abstract="false" name="FederalHomeLoanBankAdvancesYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_LesseeOperatingLeaseLiabilitytobePaidafterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilitytobePaidafterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldAdditionsToNonAccretableDifferenceForAcquiredPurchasedCreditImpairedLoans" abstract="false" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesNonAccretableYieldAdditionsToNonAccretableDifferenceForAcquiredPurchasedCreditImpairedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ResidentialMortgagePortfolioSegmentMember" abstract="true" name="ResidentialMortgagePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_OriginatedIndirectPaperMember" abstract="true" name="OriginatedIndirectPaperMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearFour" abstract="false" name="FederalHomeLoanBankAdvancesYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_SmallBusinessAssociationPaycheckProtectionProgramRound1Member" abstract="true" name="SmallBusinessAssociationPaycheckProtectionProgramRound1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_WisconsinandMinnesotaMember" abstract="true" name="WisconsinandMinnesotaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_LoansbyTypeAxis" abstract="true" name="LoansbyTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="czwi_GrossLoansBeforeSmallBusinessAssociationPaycheckProtectionProgramLoansMember" abstract="true" name="GrossLoansBeforeSmallBusinessAssociationPaycheckProtectionProgramLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesYearFiveInterestRate" abstract="false" name="FederalHomeLoanBankAdvancesYearFiveInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_FederalHomeLoanBankAdvancesunderOneYearInterestRate" abstract="false" name="FederalHomeLoanBankAdvancesunderOneYearInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoParentIncludingTaxEffects" abstract="false" name="OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoParentIncludingTaxEffects" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CertainLoansAcquiredinTransferAccountedforasDebtSecuritiesAccretableYieldEarlyPayoffs" abstract="false" name="CertainLoansAcquiredinTransferAccountedforasDebtSecuritiesAccretableYieldEarlyPayoffs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_NoninterestIncomeServiceChargesOnDepositAccounts" abstract="false" name="NoninterestIncomeServiceChargesOnDepositAccounts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_OtherLoansAndLeasesReceivableNetReportedAmount" abstract="false" name="OtherLoansAndLeasesReceivableNetReportedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_CIAgriculturalOperatingPortfolioSegmentMember" abstract="true" name="CIAgriculturalOperatingPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_SmallBusinessAssociationPaycheckProtectionProgramRoundDomain" abstract="true" name="SmallBusinessAssociationPaycheckProtectionProgramRoundDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_TroubledDebtRestructuringRollForward" abstract="true" name="TroubledDebtRestructuringRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_AssetsFairValueDisclosureNonrecurringAbstract" abstract="true" name="AssetsFairValueDisclosureNonrecurringAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="czwi_ServicingAssetatAmortizedCostAmortizationMSR" abstract="false" name="ServicingAssetatAmortizedCostAmortizationMSR" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_PaymentsonFederalHomeLoanBank" abstract="false" name="PaymentsonFederalHomeLoanBank" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ServicingAssetatAmortizedCostNetOfValuationAllowance" abstract="false" name="ServicingAssetatAmortizedCostNetOfValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_FinancingReceivableSpecificReserve" abstract="false" name="FinancingReceivableSpecificReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_NetBookValueOfMSRAssetToLoansServicedForOthers" abstract="false" name="NetBookValueOfMSRAssetToLoansServicedForOthers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="czwi_FederalReserveBankMember" abstract="true" name="FederalReserveBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_OtherBorrowingsFairValueDisclosure" abstract="false" name="OtherBorrowingsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_AdjustmentsToAdditionalPaidInCapitalUnrealizedRestrictedStockAwards" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalUnrealizedRestrictedStockAwards" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_AccruedInterestReceivablesFairValueDisclosures" abstract="false" name="AccruedInterestReceivablesFairValueDisclosures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_UnamortizedDiscountsOnAcquireLoans" abstract="false" name="UnamortizedDiscountsOnAcquireLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="czwi_ResidentialMortgagesMember" abstract="true" name="ResidentialMortgagesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_CorporateAssetBasedSecuritiesMember" abstract="true" name="CorporateAssetBasedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="czwi_LoanandDebtSecuritiesAcquiredwithDeterioratedCreditQualityPolicyTextBlock" abstract="false" name="LoanandDebtSecuritiesAcquiredwithDeterioratedCreditQualityPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
</xs:schema>
