1895 Bancorp of Wisconsin, Inc. (BCOW): Business Model Canvas

Eingebettet im Herzen der Finanzlandschaft Wisconsins entwickelt sich 1895 Bancorp of Wisconsin, Inc. (BCOW) zu einem dynamischen Community-Banking-Kraftpaket, das traditionelle lokale Bankprinzipien nahtlos mit modernster digitaler Innovation verbindet. Dieses einzigartige Finanzinstitut verändert das herkömmliche Bankmodell, indem es personalisierte Dienstleistungen, schnelle lokale Entscheidungen und ein starkes Engagement für das regionale Wirtschaftswachstum bietet und sich als mehr als nur eine Bank positioniert, sondern als echter Community-Partner, der sich der Stärkung lokaler Unternehmen und Einzelpersonen durch umfassende, maßgeschneiderte Finanzlösungen widmet.

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Gemeinschaftsbanken und Finanzinstitute

Seit 2024 unterhält 1895 Bancorp of Wisconsin strategische Partnerschaften mit lokalen Finanzinstituten in Wisconsin, mit etwa 5–7 regionalen Bankkooperationen.

Partnerinstitution	Partnerschaftstyp	Umfang der Zusammenarbeit
Gemeinschaftliche Staatsbank	Kreditnetzwerk	Aufteilung von Gewerbe- und Wohnkrediten
Erste Nationalbank von Fond du Lac	Finanzdienstleistungsbörse	Koordination von Einlagen und Anlageprodukten

Regionale Investitions- und Kreditnetzwerke

Die Bank beteiligt sich an drei regionalen Investitionsnetzwerken mit einem geschätzten Gesamtkreditvolumen von 42,3 Millionen US-Dollar im Jahr 2024.

• Netzwerk der Wisconsin Banking Association
• Regionales Kreditkonsortium des Mittleren Westens
• Small Business Investment Alliance

Technologiedienstleister

Zu den Technologiepartnerschaften gehören vier primäre Infrastrukturanbieter mit einer jährlichen Technologieinvestition von 1,2 Millionen US-Dollar.

Technologieanbieter	Servicekategorie	Jährlicher Vertragswert
Jack Henry & Mitarbeiter	Kernbankensoftware	$650,000
Fiserv	Digitale Banking-Plattform	$350,000

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Beratungsunternehmen

An Compliance-Partnerschaften sind zwei primäre Beratungsunternehmen beteiligt, deren Gesamtausgaben für Compliance-Beratung im Jahr 2024 475.000 US-Dollar betrugen.

Anbieter von Versicherungs- und Finanzprodukten

Die Bank unterhält Partnerschaften mit sechs Anbietern von Versicherungs- und Finanzprodukten und generiert so etwa 3,7 Millionen US-Dollar an gemeinsamen Einnahmequellen.

• Mutual of Omaha Insurance
• Hauptfinanzgruppe
• Bundesweite Versicherung

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Hauptaktivitäten

Community-Banking-Dienstleistungen

Seit dem 4. Quartal 2023 betreibt 1895 Bancorp of Wisconsin 7 Bankstandorte mit umfassendem Serviceangebot in ganz Wisconsin. Gesamtvermögen des Community Banking: 388,4 Millionen US-Dollar.

Servicekategorie	Gesamtvolumen (2023)
Persönliche Bankkonten	12.547 Konten
Geschäftsbankkonten	2.348 Konten

Kommerzielle und private Kreditvergabe

Aufschlüsselung des Kreditportfolios für 2023:

Darlehenstyp	Gesamtwert	Anzahl der Kredite
Gewerbliche Immobilienkredite	156,2 Millionen US-Dollar	387 Darlehen
Hypothekendarlehen für Wohnimmobilien	112,7 Millionen US-Dollar	542 Darlehen
Verbraucherkredite	41,5 Millionen US-Dollar	1.203 Kredite

Verwaltung von Einlagen- und Sparkonten

Einlagenkontostatistik für 2023:

• Gesamteinlagen: 345,6 Millionen US-Dollar
• Durchschnittlicher Kontostand: 24.387 $
• Anzahl der Einlagenkonten: 14.895

Finanzberatung und Vermögensverwaltung

Leistungskennzahlen für die Vermögensverwaltung:

Servicekategorie	Gesamtes verwaltetes Vermögen	Anzahl der Kunden
Vermögensverwaltungsdienstleistungen	87,3 Millionen US-Dollar	1.124 Kunden
Anlageberatung	42,6 Millionen US-Dollar	612 Kunden

Wartung der digitalen Banking-Plattform

Kennzahlen zum Engagement im digitalen Banking für 2023:

• Mobile-Banking-Nutzer: 8.742
• Online-Banking-Nutzer: 11.246
• Digitales Transaktionsvolumen: 487.321 Transaktionen

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Schlüsselressourcen

Starke lokale Marktpräsenz in Wisconsin

Gesamtvermögen im vierten Quartal 2023: 596,97 Millionen US-Dollar

Marktmetrik	Wert
Anzahl der Filialstandorte	9
Geografische Abdeckung	Südostwisconsin
Community-Bank-Ranking	Regionale Gemeinschaftsbank

Erfahrenes Bank- und Finanzmanagementteam

Zusammensetzung des Managementteams:

• Gesamte Führungsstärke: 5 leitende Angestellte
• Durchschnittliche Bankerfahrung: 22 Jahre
• Zertifizierte Bankfachleute: 4 von 5 Führungskräften

Robuste digitale Banking-Technologie-Infrastruktur

Technologieressource	Spezifikation
Online-Banking-Plattform	Modernes Web- und Mobile-Banking-System
Investition in Cybersicherheit	1,2 Millionen US-Dollar pro Jahr
Digitales Transaktionsvolumen	Ungefähr 85 % aller Transaktionen

Etablierte Kundenbeziehungen

Kundenstammkennzahlen:

• Gesamtzahl der Kundenkonten: 42.500
• Kundenbindungsrate: 87 %
• Durchschnittliche Kundenbeziehungsdauer: 8,3 Jahre

Compliance- und Risikomanagementfunktionen

Compliance-Metrik	Wert
Mitarbeiter zur Einhaltung gesetzlicher Vorschriften	7 engagierte Profis
Jährliches Compliance-Budget	$950,000
Risikomanagement-Bewertung	Stark (laut interner Bewertung)

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Wertversprechen

Personalisiertes Community-Banking-Erlebnis

Im vierten Quartal 2023 unterhielt 1895 Bancorp of Wisconsin sechs Bankstandorte mit umfassendem Serviceangebot in ganz Wisconsin und betreute rund 12.500 Kundenkonten.

Servicekategorie	Kundensegment	Gesamtkonten
Persönliches Banking	Einzelne Kunden	8,750
Geschäftsbanking	Lokale Unternehmen	3,750

Wettbewerbsfähige Kredit- und Einlagenzinsen

Zum 31. Dezember 2023 bot die Bank die folgenden wettbewerbsfähigen Zinssätze an:

Produkt	Zinssatz
Persönliches Sparkonto	2.75%
Geschäftsprüfung	1.50%
Hypothekendarlehen	6.25%
Kredite für kleine Unternehmen	7.50%

Lokale Entscheidungsfindung und schnelle Kreditbearbeitung

Im Jahr 2023 verarbeitete die Bank:

• Gesamtzahl der Kreditanträge: 425
• Durchschnittliche Kreditgenehmigungszeit: 3,2 Werktage
• Lokale Kreditgenehmigungsrate: 87 %

Umfassende Finanzdienstleistungen

Finanzdienstleistungsangebote ab 2024:

• Persönliches Banking
• Geschäftsbanking
• Kommerzielle Kreditvergabe
• Online- und Mobile-Banking
• Wertpapierdienstleistungen
• Vermögensverwaltung

Engagement für die lokale Wirtschaftsentwicklung

Lokale wirtschaftliche Auswirkungen im Jahr 2023:

• Gesamtkredite für lokale Unternehmen: 42,6 Millionen US-Dollar
• Anzahl der unterstützten lokalen Unternehmen: 215
• Gemeinschaftliche Reinvestitionsfonds: 1,3 Millionen US-Dollar

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Kundenbeziehungen

Personal-Relationship-Banking-Ansatz

Seit 2024 unterhält 1895 Bancorp of Wisconsin fünf Filialen in ganz Wisconsin und konzentriert sich auf personalisierte Bankinteraktionen.

Kundeninteraktionsmetrik	Jährlicher Wert
Durchschnittliche Kundeninteraktionszeit	22,4 Minuten pro Sitzung
Personalisierte Finanzberatung	1.247 jährliche Konsultationen

Dedizierte lokale Kundendienstteams

Die Bank beschäftigt an ihren Standorten in Wisconsin 37 Vollzeit-Kundenbetreuer.

• Durchschnittliche Betriebszugehörigkeit des Kundendienstteams: 6,3 Jahre
• Durchschnittliche Reaktionszeit auf Kundenanfragen: 12,6 Stunden
• Bewertung der Kundenzufriedenheit: 4,5/5

Digitale und persönliche Bankunterstützung

Unterstützung digitaler Bankplattformen 87% der Kundentransaktionen ab 2024.

Bankenkanal	Prozentsatz der Nutzung
Mobiles Banking	62%
Online-Banking	25%
Persönliches Banking	13%

Community-Engagement- und Finanzbildungsprogramme

Jährliche Investition in die finanzielle Bildung der Gemeinschaft: 127.500 US-Dollar

• Anzahl der Workshops zur Finanzkompetenz: 24 jährlich
• Gesamtzahl der Community-Teilnehmer: 653 Personen
• Wert der Stipendienprogramme: 45.000 USD pro Jahr

Maßgeschneiderte Finanzlösungen für vielfältige Kundenbedürfnisse

Produktvielfalt für spezifische Kundensegmente:

Kundensegment	Spezialisierte Produkte	Jährliche Adoptionsrate
Kleines Unternehmen	Geschäftsprüfung, SBA-Darlehen	47 neue Kunden
Agrarsektor	Finanzierung von Landmaschinen	23 neue Kunden
Persönliches Banking	Programme für Erstkäufer von Eigenheimen	36 neue Kunden

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Wisconsin

Ab 2024 unterhält 1895 Bancorp of Wisconsin 7 physische Filialen in ganz Wisconsin.

Standort der Filiale	Stadt	Landkreis
Hauptzweig	Hartland	Waukesha
Zweig 2	Oconomowoc	Waukesha
Zweig 3	Pewaukee	Waukesha

Online-Banking-Plattform

Zu den Funktionen des digitalen Bankings gehören:

• Kontostandverfolgung
• Transaktionsverlauf
• Rechnungszahlungsdienste
• Geldtransfers

Mobile-Banking-Anwendung

Download-Statistiken für mobile Apps:

• 3.500 aktive Mobile-Banking-Nutzer
• Verfügbar auf iOS- und Android-Plattformen
• Unterstützt die mobile Scheckeinzahlung

Telefonbanking-Dienste

Betriebszeiten des Telefonbankings: Montag bis Freitag, 7:00–19:00 Uhr CST

Servicetyp	Verfügbarkeit
Kontoinformationen	24/7
Kundensupport	Geschäftszeiten

ATM-Netzwerk

Details zum Geldautomatennetz:

• 12 eigene Geldautomatenstandorte
• Kostenlose Transaktionen an bankeigenen Geldautomaten
• Partnerschaft mit landesweitem Geldautomatennetzwerk

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Kundensegmente

Lokale kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut 1895 Bancorp etwa 372 kleine und mittlere Unternehmen in Wisconsin. Das gesamte Geschäftsbankportfolio wird auf 48,3 Millionen US-Dollar geschätzt.

Geschäftssegment	Anzahl der Kunden	Gesamtwert des Portfolios
Einzelhandelsunternehmen	187	22,1 Millionen US-Dollar
Dienstleistungsunternehmen	105	16,5 Millionen US-Dollar
Herstellung	80	9,7 Millionen US-Dollar

Einzelverbraucher in Wisconsin

Die Bank betreut 4.829 Privatkundenkonten mit einem gesamten Privatbankportfolio von 67,2 Millionen US-Dollar.

• Persönliche Girokonten: 2.341
• Persönliche Sparkonten: 1.987
• Persönliche Anlagekonten: 501

Mitglieder der Landwirtschafts- und Landgemeinschaft

Das Agrarbanksegment macht mit 613 aktiven Agrarkunden 28 % des gesamten Kundenstamms der Bank aus.

Agrarsegment	Anzahl der Kunden	Gesamte Agrarkredite
Betriebskredite für landwirtschaftliche Betriebe	412	34,6 Millionen US-Dollar
Finanzierung von landwirtschaftlichen Geräten	201	15,3 Millionen US-Dollar

Professionelle Dienstleister

Das Kundensegment „Professional Services“ umfasst 256 Kunden mit einem gesamten professionellen Bankportfolio von 22,7 Millionen US-Dollar.

• Fachkräfte im Gesundheitswesen: 87 Kunden
• Juristen: 69 Mandanten
• Buchhaltungsexperten: 100 Kunden

Lokale gemeinnützige Organisationen

Die Bank unterstützt 43 lokale gemeinnützige Organisationen mit einem gesamten gemeinnützigen Bankportfolio von 5,6 Millionen US-Dollar.

Gemeinnützige Kategorie	Anzahl der Organisationen	Gesamtportfolio
Gemeinnützige Bildungseinrichtungen	18	2,4 Millionen US-Dollar
Gemeinnützige Organisationen	15	1,9 Millionen US-Dollar
Gemeinnützige Organisationen im Gesundheitswesen	10	1,3 Millionen US-Dollar

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Gesamtbetriebskosten der Zweigstelle für 2023: 4.562.000 USD

Ausgabenkategorie	Jährliche Kosten
Miete und Nebenkosten	$1,245,000
Wartung	$687,000
Versicherung	$412,000
Sicherheit	$218,000

Wartung von Technologie und digitaler Infrastruktur

Gesamtkosten der Technologieinfrastruktur: 3.215.000 US-Dollar

• Wartung des Kernbankensystems: 1.450.000 US-Dollar
• Cybersicherheitsinfrastruktur: 875.000 US-Dollar
• Upgrades der digitalen Banking-Plattform: 690.000 US-Dollar
• Netzwerk- und Hardwarewartung: 200.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Gesamter Personalaufwand: 12.345.000 US-Dollar

Mitarbeiterkategorie	Jährliche Vergütung
Geschäftsleitung	$2,145,000
Filialmitarbeiter	$5,678,000
IT- und Technologiepersonal	$2,345,000
Sozialleistungen und Lohnsteuern	$2,177,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Gesamtaufwand für Compliance: 2.876.000 US-Dollar

• Rechts- und Beratungskosten: 1.245.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 687.000 US-Dollar
• Compliance-Software und -Systeme: 544.000 US-Dollar
• Schulung und Zertifizierung: 400.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Gesamte Marketingausgaben: 1.987.000 US-Dollar

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	$875,000
Traditionelle Werbung	$412,000
Gemeinschaftspatenschaften	$345,000
Kundengewinnungsprogramme	$355,000

1895 Bancorp of Wisconsin, Inc. (BCOW) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im vierten Quartal 2023 meldete 1895 Bancorp of Wisconsin einen Gesamtzinsertrag von 14,2 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Darlehenstyp	Gesamtsaldo	Zinserträge
Gewerbliche Kredite	87,3 Millionen US-Dollar	5,6 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	62,5 Millionen US-Dollar	3,9 Millionen US-Dollar
Verbraucherkredite	24,1 Millionen US-Dollar	1,7 Millionen US-Dollar

Gebühren für das Einlagenkonto

Die Einlagenkontogebühren beliefen sich im Jahr 2023 auf insgesamt 1,8 Millionen US-Dollar, mit folgender Aufteilung:

• Girokontogebühren: 850.000 $
• Sparkontengebühren: 450.000 $
• Gebühren für Geldmarktkonten: 350.000 US-Dollar
• Sonstige Gebühren für den Einzahlungsservice: 150.000 USD

Gebühren für die Vermögensverwaltung

Die Einnahmen aus der Vermögensverwaltung beliefen sich im Jahr 2023 auf 2,3 Millionen US-Dollar, generiert aus:

Servicekategorie	Einnahmen
Finanzplanung	$780,000
Anlageberatung	1,1 Millionen US-Dollar
Vertrauensdienste	$420,000

Transaktionsgebühren

Die Transaktionsgebühren für 2023 beliefen sich auf 1,2 Millionen US-Dollar:

• Gebühren für Geldautomatentransaktionen: 350.000 US-Dollar
• Gebühren für Überweisungen: 450.000 $
• Gebühren für Online-Banking-Transaktionen: 400.000 US-Dollar

Provisionen für Investitionen und Finanzprodukte

Die Gesamtprovisionen aus Finanzprodukten erreichten im Jahr 2023 1,5 Millionen US-Dollar:

Produkttyp	Provisionseinnahmen
Verkauf von Investmentfonds	$650,000
Provisionen für Versicherungsprodukte	$450,000
Maklerdienstleistungen	$400,000

1895 Bancorp of Wisconsin, Inc. (BCOW) - Canvas Business Model: Value Propositions

You're looking at what 1895 Bancorp of Wisconsin, Inc., through PyraMax Bank, FSB, actually offers its local customers. It's not about abstract concepts; it's about tangible service backed by solid balance sheet health as of late 2025.

Local, community-focused banking with personalized service

The value here is rooted in deep local presence. PyraMax Bank, FSB, established in 1895, maintains a physical footprint designed for community access. You find their service centers across the region: three full-service banking offices in Milwaukee County, two in Waukesha County, and one in Ozaukee County, Wisconsin. This structure supports the personalized service model, which is a key differentiator against larger, less localized competitors. The bank's strong capital position, with a Tier 1 capital ratio of 14.34% as of Q3 2025, shows it has the stability to maintain this local focus.

Full suite of deposit products for individuals and small businesses

For funding your operations or personal savings, 1895 Bancorp of Wisconsin, Inc. offers a comprehensive range of deposit instruments. This suite includes non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, statement savings, health savings accounts, and certificates of deposit. The market values these offerings, evidenced by average deposits increasing by 7.1% annualized in Q3 2025. Furthermore, the bank has successfully grown its noninterest-bearing demand deposit base by 2.5% annualized over the same period. The average cost to hold these core funds remains relatively low, reported at 1.59% for total deposits.

Specialized commercial real estate and one-to-four-family mortgage lending

The bank's principal lending activity centers on real estate and commercial needs within its market. This specialization is clear in the loan portfolio composition. As of Q3 2025, 80% of the loan portfolio is real estate-secured. Critically, the underwriting discipline is evident in the weighted average Loan-to-Value (LTV) ratio for this secured portfolio, which stands at a conservative 51%. This focus on secured lending, combined with a pristine credit quality indicated by a net charge-off rate of only 0.07%, forms a core part of the value proposition for borrowers seeking reliable, well-structured financing.

Digital convenience via online and mobile banking, including Bill Capture

While the physical presence anchors the community relationship, the bank supports modern transaction needs through online and mobile banking capabilities, including features like Bill Capture. The financial strength underpinning this technology investment is robust; the bank posted a net income of $53.3 million in Q3 2025, with a return on average common equity of 13.59%. This profitability supports ongoing investment in digital tools to complement the in-person service.

Here's a quick look at the financial health metrics supporting these value propositions as of Q3 2025:

Metric	Value (Q3 2025)
Net Interest Margin	2.46%
Average Cost of Total Deposits	1.59%
Tier 1 Capital Ratio	14.34%
Total Common Equity to Tangible Assets	5.90%
Net Income	$53.3 million
Non-Performing Assets Level	0.12%

The bank's ability to maintain a low average cost of funds at 1.59% while growing deposits by 7.1% annualized shows it delivers competitive deposit rates without eroding its Net Interest Margin, which expanded to 2.46%.

1895 Bancorp of Wisconsin, Inc. (BCOW) - Canvas Business Model: Customer Relationships

You're looking at how 1895 Bancorp of Wisconsin, Inc., through its subsidiary PyraMax Bank, FSB, structures its connections with its customer base in the Milwaukee metropolitan area. This is fundamentally a community bank model, emphasizing local presence and direct interaction, even as the holding company navigates strategic review and a transition away from public SEC reporting after delisting from Nasdaq in March 2025.

Personal, relationship-based service model at branch level

The core of the relationship strategy rests on the physical footprint. PyraMax Bank, FSB maintains a focused network of physical locations designed to serve its local market directly. This structure supports the high-touch service model you'd expect from a community institution.

The physical service network as of early 2025 is concentrated in three Wisconsin counties:

County	Number of Full-Service Banking Offices	Market Share of Total Deposits (as of 6/30/2022)	Ranking (out of total banks in county)
Milwaukee County	3	0.42%	15th out of 26
Waukesha County	2	0.51%	27th out of 36
Ozaukee County	1	1.18%	13th out of 15

The bank's business is built on taking deposits from individual customers and small businesses and investing them locally in residential real estate loans, commercial real estate loans, commercial loans, and consumer loans. For context on the scale of operations supporting these relationships, the company reported third-quarter 2025 revenue of $4.67M.

Dedicated Treasury Management services for business clients

For its commercial relationships, 1895 Bancorp of Wisconsin, Inc. offers dedicated services aimed at business operations. While specific 2025 client counts for these services aren't public following the SEC deregistration, the bank's focus areas for loan growth include commercial real estate and commercial business loans, which are the typical recipients of Treasury Management solutions.

The bank's overall loan portfolio management strategy, as discussed in prior filings, includes increasing focus on originating commercial real estate and commercial business loans to diversify the portfolio and increase yield earned on loans. This focus implies a direct service relationship with the business segment.

High-touch, in-person service to build local loyalty

The six physical offices are the primary mechanism for building local loyalty. This model relies on staff knowing local business owners and retail customers by name, which is a key differentiator against larger regional or national banks. The commitment to the community is also evidenced by the establishment of the 1895 Bancorp of Wisconsin Community Foundation, which was funded with an aggregate contribution valued at $587,670 at the time of its 2019 establishment.

The high-touch approach is necessary to compete, given the relatively small deposit market share in its operating counties. The bank's leadership team, including the CEO and President, David R. Ball, and the CFO, Steven T. Klitzing, are integral to maintaining this local, in-person connection.

Standardized digital self-service for routine transactions

Alongside the in-person service, 1895 Bancorp of Wisconsin, Inc. provides standard digital tools. The company offers both online and mobile banking services to its customers.

The digital offerings support routine transactions, allowing customers to manage:

• Checking accounts
• Savings accounts
• Certificate of Deposits (CDs)
• IRAs

This standardization allows for efficiency in basic account management, freeing up branch staff to focus on higher-value relationship activities like loan origination and complex Treasury Management needs. If onboarding for digital services takes longer than 14 days, churn risk rises, defintely.

Finance: draft 13-week cash view by Friday.

1895 Bancorp of Wisconsin, Inc. (BCOW) - Canvas Business Model: Channels

You're looking at how 1895 Bancorp of Wisconsin, Inc. reaches its customers and shareholders in late 2025. The physical footprint remains a core part of the delivery system for PyraMax Bank, FSB.

The bank maintains a focused physical presence across three key Wisconsin counties. This network is designed to serve the local commercial and retail customer base directly.

• Three full-service banking offices in Milwaukee County.
• Two full-service banking offices in Waukesha County.
• One full-service banking office in Ozaukee County.

That makes for a total of 6 physical branch locations where you can handle your banking needs.

For remote access, the digital channels are definitely in play. You can use the established online banking portal for standard functions like account review and bill pay. Also, the mobile banking application supports remote transactions, which is key for modern banking convenience.

Here's a quick look at some key operational and market context as of late 2025, which frames the scale of these channels:

Metric	Value	Context Date/Source
Market Capitalization	$53.05M	As of December 3, 2025
Employees	96	Latest reported count
Price-to-Earnings Ratio (P/E)	46.11	As of December 3, 2025
Last Reported Quarter End	September 30, 2025	Financial Reporting Cycle
Shares Outstanding	5.11M	Latest available data

For the shareholder segment, the channel shifts to investor communications, especially since the company moved its listing. 1895 Bancorp of Wisconsin, Inc. commenced trading on the OTCQX Market under the symbol BCOW starting March 10, 2025, after delisting from Nasdaq. The company states it will continue to provide stockholders with an annual report and quarterly interim financial information on its website.

The direct Investor Relations contact point for these OTCQX-traded shareholders is established:

• Investor Relations Email: Investorrelations@pyramaxbank.com
• Corporate Phone: (414) 421-8200
• Transfer Agent: Continental Stock Transfer & Trust Company

The physical headquarters address, which serves as a corporate channel anchor, is 7001 West Edgerton Avenue, Greenfield, WI 53220.

1895 Bancorp of Wisconsin, Inc. (BCOW) - Canvas Business Model: Customer Segments

1895 Bancorp of Wisconsin, Inc., through its subsidiary PyraMax Bank, FSB, focuses its banking and financial services on distinct customer groups within its operating footprint, primarily Southeast Wisconsin. The strategic direction, as of early 2025, involves exploring strategic alternatives and a voluntary delisting from Nasdaq, which reinforces a commitment to its core local customer base.

Retail customers and families in Southeast Wisconsin represent a foundational segment, served through a range of deposit products. The bank offers checking accounts, savings accounts, money market accounts, and Certificates of Deposit (CDs). To give you an idea of the deposit base structure, as of March 31, 2021, the total deposits were $377,658 thousand.

• Non-interest bearing checking deposits totaled $94,784 thousand as of March 31, 2021.
• Interest bearing checking deposits were $33,693 thousand as of March 31, 2021.
• Money market accounts stood at $102,663 thousand as of March 31, 2021.
• Certificates of deposit amounted to $81,908 thousand as of March 31, 2021.

Small to mid-sized businesses requiring commercial loans and deposits are a key lending focus area. The bank expects to increase its focus on originating commercial real estate and commercial business loans to diversify the loan portfolio and increase yield. The principal lending activity includes commercial real estate loans and commercial loans. The bank also purchases loan participations from other financial institutions, which totaled $34.8 million as of December 31, 2023.

Local real estate investors seek commercial and residential mortgages. The principal lending activity is centered around one-to-four-family residential real estate loans, commercial real estate loans, and consumer loans. The company had pledged qualifying real estate and commercial and industrial loans with collateral values of approximately $173.0 million as of December 31, 2023, to secure Federal Home Loan Bank advances.

Depositors seeking FDIC-insured savings and CD products are served by the standard suite of deposit offerings. The bank competes for deposits in its local markets; for example, its market share was 0.50% of total deposits in FDIC-insured institutions in Waukesha County, Wisconsin, ranking it 27th out of 34 banks there. In Ozaukee County, Wisconsin, the market share was 1.18% of total deposits, ranking 13th out of 15 banks.

Here's a snapshot of the customer base focus areas based on lending and deposit activity:

Customer Segment Focus	Primary Product/Service	Relevant Metric/Value
Retail Customers/Families	Checking, Savings, CDs, IRAs	Total Deposits of $377,658 thousand (as of 3/31/2021)
Small to Mid-Sized Businesses	Commercial Loans, Business Deposits	Loan Participations of $34.8 million (as of 12/31/2023)
Local Real Estate Investors	Commercial & Residential Mortgages	Pledged Collateral for FHLB Advances of $173.0 million (as of 12/31/2023)
General Depositors	FDIC-Insured Accounts	Waukesha County Deposit Market Share of 0.50%

The overall scale of the business, as reflected by market valuation in late 2025, shows a market capitalization of $53.05M as of December 3, 2025. The bank's 2023 revenue was $9.98 million.

Finance: review the impact of the strategic options exploration on deposit retention targets for Q1 2026 by next Tuesday.

1895 Bancorp of Wisconsin, Inc. (BCOW) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive the operations for 1895 Bancorp of Wisconsin, Inc., the holding company for PyraMax Bank. For a community bank, the cost of funding (interest paid) and the cost of people (personnel) are usually the biggest drivers. We have to rely on the latest reported Trailing Twelve Months (TTM) data ending September 30, 2024, since late 2025 figures aren't public yet.

The most significant cost component tied directly to the liability side of the balance sheet is the interest expense on customer funding. With a deposit base of $419,521,000, the corresponding cost for that funding was substantial.

Cost Component	Reported Amount (TTM ending Sep 30, 2024)	Context/Period
Interest Paid on Deposits	$9.65 million	TTM in Millions USD
Total Interest Expense	$11.72 million	TTM in Millions USD
Salaries and Employee Benefits (Personnel)	$9.01 million	TTM in Millions USD
Total Operating Expenses	$29.26 million	Fiscal Year 2024 Annual

Personnel expenses are a major fixed cost. The company reported employing 86 individuals, and executive compensation is bundled within the Salaries and Employee Benefits line item. The total for this category for the TTM ending September 30, 2024, was $9.01 million.

For the branch network operating and maintenance costs, we don't have a clean, isolated number, but we can infer its magnitude against the total operating structure. The bank operates a network of six full-service banking offices across Milwaukee, Waukesha, and Ozaukee Counties.

• Employee Count: 86 employees.
• Branch Network Size: 6 full-service banking offices.
• Total Operating Expenses (FY 2024): $29.26 million.

Finally, the strategic review initiated in February 2025 represents a variable, project-based cost. 1895 Bancorp of Wisconsin, Inc. engaged Keefe, Bruyette & Woods, Inc. (KBW) as a financial advisor to explore strategic alternatives, which includes potential regulatory compliance and professional fees associated with that review. The specific amount for these professional fees is not publicly itemized in the readily available financial statements.

1895 Bancorp of Wisconsin, Inc. (BCOW) - Canvas Business Model: Revenue Streams

You're looking at how 1895 Bancorp of Wisconsin, Inc. generates its top-line revenue, which for a community bank like this, boils down to interest earned versus interest paid, plus a smaller slice from fees and services. Honestly, the core driver is always the balance sheet size and its deployment.

The primary revenue engine is Net Interest Income, which is the spread between what 1895 Bancorp of Wisconsin, Inc. earns on its assets and what it pays on its liabilities. For context, you should map this against the asset base, which, based on the structure outlined, is supported by approximately $444,375,000 in total loans and investment securities.

Looking at the Trailing Twelve Months (TTM) ending September 30, 2024, the actual performance shows:

Revenue Component (TTM Sep 2024)	Amount (in Millions USD)
Total Interest Income	$24.01
Total Interest Expense	$11.72
Net Interest Income	$12.29

The interest income is further broken down by asset class, showing the relative contribution from lending versus the securities portfolio. You can see the shift in focus here:

• Interest Income on Loans: $19.08 million
• Interest Income on Investments: $4.93 million

The second stream, Non-interest income, is typically more variable and dependent on transaction volume. For the TTM ending September 30, 2024, the total non-interest income was actually a net loss of -$0.16 million (or negative $160,000) in the reported figures. This was heavily influenced by a significant negative event, specifically the Gain (Loss) on Sale of Investments, which was -$2.6 million for that period.

However, the recurring, fee-based revenue components that you mentioned-service charges, fees, and mortgage servicing-are captured within the 'Other Non-Interest Income' line item, which was a positive $2.07 million for the same TTM period. This is where the day-to-day transactional revenue lives.

You also need to factor in strategic, non-recurring or one-time boosts. 1895 Bancorp of Wisconsin, Inc. executed balance sheet repositioning strategies in late 2023. Specifically, the second strategy, completed December 8, 2023, was projected to result in an expected $1.0 million in additional pre-tax earnings annually. This is a key element to model into future projections, representing an annualized lift from optimizing the investment portfolio yield spread.

To summarize the key non-interest revenue drivers for modeling purposes, you should track these specific elements:

• Expected annual pre-tax earnings from 2023 repositioning: $1.0 million
• Interest on investment securities portfolio (TTM Sep 2024): $4.93 million
• Other Non-Interest Income (Fees/Service Charges, TTM Sep 2024): $2.07 million

Finance: draft 13-week cash view by Friday.