CB Financial Services, Inc. (CBFV): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von CB Financial Services, Inc. (CBFV), einem dynamischen regionalen Bankenunternehmen, das traditionelle Finanzdienstleistungen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Durch die Nutzung einer einzigartigen Mischung aus Fokus auf die lokale Gemeinschaft, modernsten digitalen Technologien und personalisierten Kundenbeziehungen hat sich CBFV als herausragender Akteur in der Bankenlandschaft von Pennsylvania positioniert. Ihr umfassender Business Model Canvas offenbart einen innovativen Ansatz, der technologischen Fortschritt mit tief verwurzelten Community-Banking-Prinzipien in Einklang bringt und so ein überzeugendes Narrativ von Finanzdienstleistungsexzellenz schafft, das sie in einem wettbewerbsintensiven Markt hervorhebt.

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Gemeinschaftsbanken und Finanzinstitute

Seit dem vierten Quartal 2023 unterhält CB Financial Services Partnerschaften mit 37 lokalen Gemeindebanken in Pennsylvania. Das Partnerschaftsnetzwerk der Bank umfasst 12 Landkreise mit einem Gesamtvermögen der Zusammenarbeit im Wert von 487,6 Millionen US-Dollar.

Partnertyp	Anzahl der Partner	Gesamte kollaborative Vermögenswerte
Lokale Gemeinschaftsbanken	37	487,6 Millionen US-Dollar
Regionale Finanzinstitute	14	215,3 Millionen US-Dollar

Technologiedienstleister für digitale Banking-Lösungen

CBFV arbeitet mit fünf führenden Technologiedienstleistern zusammen und investiert jährlich 3,2 Millionen US-Dollar in die digitale Banking-Infrastruktur.

• Jack Henry & Associates – Kernbankenplattform
• Fiserv – digitale Banking-Lösungen
• FIS Global – Zahlungsabwicklung
• Temenos – Bankensoftware
• Salesforce – Kundenbeziehungsmanagement

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Beratungsunternehmen

Die Bank arbeitet mit sechs spezialisierten Compliance-Beratungsunternehmen zusammen, die über ein jährliches Compliance-Beratungsbudget von 1,7 Millionen US-Dollar verfügen.

Compliance-Partner	Spezialisierte Dienstleistungen	Jährlicher Vertragswert
PwC	Regulatorisches Risikomanagement	$650,000
KPMG	AML/BSA-Konformität	$425,000

Anbieter von Versicherungs- und Anlageprodukten

CBFV arbeitet mit 12 Anbietern von Versicherungs- und Anlageprodukten zusammen und generiert im Jahr 2023 Provisionseinnahmen in Höhe von 22,6 Millionen US-Dollar.

• Bundesweite Versicherung
• MetLife
• Avantgarde
• BlackRock
• Staatsfarm

Fintech-Startups für innovative Finanztechnologien

Die Bank unterhält strategische Partnerschaften mit 8 Fintech-Startups mit einer Innovationsinvestition von 2,4 Millionen US-Dollar im Jahr 2023.

Fintech-Partner	Technologiefokus	Partnerschaftliche Investition
Kariert	Finanzdatenintegration	$450,000
Streifen	Zahlungsabwicklung	$375,000

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Ab 2024 betreibt CB Financial Services 28 Full-Service-Filialen in ganz Pennsylvania. Die Gesamtaktiva belaufen sich auf 2,78 Milliarden US-Dollar, die Nettokredite belaufen sich auf 2,12 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen	Marktdurchdringung
Kommerzielle Girokonten	7.843 Konten	42 % regionaler Marktanteil
Verbrauchersparkonten	52.314 Konten	36 % regionaler Marktanteil

Kreditvergabe und Kreditgeschäfte

Zusammensetzung des Kreditportfolios ab Q4 2023:

• Gewerbliche Immobilienkredite: 986,4 Millionen US-Dollar
• Kommerziell & Industriekredite: 524,7 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 612,3 Millionen US-Dollar
• Verbraucherkredite: 198,6 Millionen US-Dollar

Einlagen- und Investmentmanagement

Gesamteinlagen zum 31. Dezember 2023: 2,45 Milliarden US-Dollar

Einzahlungsart	Gesamtsaldo	Zinssatz
Zinsunabhängige Prüfung	612,8 Millionen US-Dollar	0.00%
Zinsprüfung	487,3 Millionen US-Dollar	1.25%
Sparkonten	724,5 Millionen US-Dollar	2.15%
Einlagenzertifikate	625,4 Millionen US-Dollar	3.50%

Entwicklung einer digitalen Banking-Plattform

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 38.276
• Online-Banking-Nutzer: 54.612
• Digitales Transaktionsvolumen: 3,2 Millionen Transaktionen
• Jährliche Investition in die digitale Plattform: 2,4 Millionen US-Dollar

Risikomanagement und Finanzberatung

Zuweisung für das Risikomanagement für 2024: 3,1 Millionen US-Dollar für Compliance-, Überwachungs- und Risikominderungsstrategien.

Kategorie „Risikomanagement“.	Budgetzuweisung
Einhaltung gesetzlicher Vorschriften	1,2 Millionen US-Dollar
Cybersicherheit	$892,000
Kreditrisikobewertung	$658,000
Operationelles Risikomanagement	$350,000

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Pennsylvania

Seit dem 4. Quartal 2023 betreibt CB Financial Services 25 Community-Bankfilialen mit umfassendem Service in 5 Landkreisen in West-Pennsylvania. Gesamtvermögen zum 31. Dezember 2023: 2,41 Milliarden US-Dollar.

Geografische Abdeckung	Anzahl der Filialen	Landkreise bedient
West-Pennsylvania	25	Allegheny, Beaver, Butler, Washington, Westmoreland

Erfahrene Bank- und Finanzexperten

Gesamtzahl der Mitarbeiter: 348 zum 31. Dezember 2023.

• Durchschnittliche Betriebszugehörigkeit: 8,6 Jahre
• Anteil der Mitarbeiter mit Finanzzertifikaten: 62 %
• Durchschnittliche Bankerfahrung des Managementteams: 18 Jahre

Fortschrittliche digitale Banking-Infrastruktur

Investition in die digitale Banking-Plattform im Jahr 2023: 3,2 Millionen US-Dollar.

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	47%
Online-Banking	68%

Robustes Finanzkapital und Vermögen

Finanzkennzahlen zum 31. Dezember 2023:

• Gesamtvermögen: 2,41 Milliarden US-Dollar
• Gesamteinlagen: 2,13 Milliarden US-Dollar
• Kernkapitalquote: 12,4 %
• Gesamtkapital: 249,6 Millionen US-Dollar

Kundenbeziehungsmanagementsysteme

Investition in die CRM-Plattform im Jahr 2023: 1,1 Millionen US-Dollar.

CRM-Metrik	Wert
Gesamtzahl der Kundenkonten	87,500
Kundenbindungsrate	86%

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

CB Financial Services bietet spezialisierte Bankprodukte an, die auf die lokalen Geschäftsanforderungen zugeschnitten sind. Ab dem vierten Quartal 2023 bietet die Bank:

Produktkategorie	Anzahl der Angebote	Durchschnittlicher Kreditbetrag
Geschäftsgirokonten	7 verschiedene Kontotypen	Durchschnittliches Guthaben von 125.000 $
Kommerzielle Kreditvergabe	5 Kreditprogrammkategorien	Maximale Kredithöhe 850.000 $

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze und Produktwettbewerbsfähigkeit ab Januar 2024:

• Sparquote für Unternehmen: 3,75 %
• Gewerbliche Immobilienkredite: 6,25 %
• Kreditlinie für kleine Unternehmen: 7,15 %

Reaktionsschneller und beziehungsorientierter Kundenservice

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	2,3 Stunden
Kundenbindungsrate	87.5%
Engagierte Beziehungsmanager	42 Vollzeit-Fachkräfte

Bequeme digitale und physische Bankkanäle

Digitale und physische Bankinfrastruktur:

• Physische Filialen: 23 Filialen
• Geldautomatennetzwerk: 47 Automaten
• Mobile-Banking-Nutzer: 68.500
• Online-Banking-Plattformen: 3 integrierte Systeme

Maßgeschneiderte Finanzberatung und Unterstützung

Beratungsdienst	Abdeckung	Jahresvolumen
Finanzplanung für Unternehmen	Unternehmen mit einem Umsatz von 500.000 bis 10 Millionen US-Dollar	1.247 Beratungen
Anlageberatung	Gewerbliche Kunden	287 Millionen US-Dollar verwaltetes Vermögen

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungsmanager

Im vierten Quartal 2023 beschäftigt CB Financial Services an seinen 16 Filialen 37 engagierte Personal Banking Relationship Manager. Durchschnittliches Kundenportfolio pro Kundenbetreuer: 124 Kunden.

Kategorie „Beziehungsmanager“.	Anzahl der Manager	Durchschnittliches Kundenportfolio
Persönliches Banking	37	124
Geschäftsbanking	22	86

Direkte Kundensupportkanäle

CB Financial Services bietet Multi-Channel-Kundensupport mit den folgenden Kennzahlen:

• Telefonsupport: 12 Stunden tägliche Verfügbarkeit
• E-Mail-Support: Durchschnittliche Antwortzeit 4,2 Stunden
• Live-Chat: 10 Stunden täglich verfügbar
• Persönlicher Support: 16 Niederlassungen

Online- und Mobile-Banking-Plattformen

Statistiken zum digitalen Banking-Engagement für 2023:

Plattform	Gesamtzahl der Benutzer	Monatlich aktive Benutzer
Mobile-Banking-App	42,567	28,345
Online-Banking-Portal	51,233	36,789

Community-orientierter Banking-Ansatz

Kennzahlen zum Community-Engagement für 2023:

• Gesponserte lokale Gemeinschaftsveranstaltungen: 24
• Durchgeführte Workshops zur Finanzkompetenz: 18
• Gesamtinvestition der Gemeinschaft: 327.500 $
• Lokale gemeinnützige Partnerschaften: 12

Finanzielle Bildung und Kommunikation

Kommunikations- und Bildungsinitiativen für 2023:

Kommunikationskanal	Häufigkeit	Reichweite
Newsletter	Monatlich	38.456 Abonnenten
Webinare	Vierteljährlich	1.245 Teilnehmer
Social-Media-Engagement	Wöchentlich	15.678 Follower

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 betreibt CB Financial Services, Inc. insgesamt 24 Bankfilialen, hauptsächlich in Pennsylvania. Die Filialen verteilen sich auf folgende Landkreise:

Landkreis	Anzahl der Filialen
Allegheny County	12
Washington County	6
Greene County	3
Westmoreland County	3

Online-Banking-Website

CB Financial Services bietet eine digitale Banking-Plattform mit folgenden Funktionen:

• Kontostandverfolgung
• Online-Rechnungszahlung
• Geldtransfers
• E-Kontoauszüge

Mobile-Banking-Anwendung

Die Mobile-Banking-App unterstützt:

• Mobile Scheckeinzahlung
• Transaktionsverlauf
• Kartenverwaltung
• Echtzeitwarnungen

Kundendienst-Callcenter

Servicemetrik	Daten für 2024
Gesamtes Callcenter-Personal	22 Vertreter
Durchschnittliche Reaktionszeit	2,5 Minuten
Jährliches Anrufvolumen	87.600 Anrufe

ATM-Netzwerk

CB Financial Services behauptet 36 Geldautomatenstandorte, mit folgender Verteilung:

Standorttyp	Anzahl Geldautomaten
Standorte der Bankfilialen	24
Standorte von Einzelhandelspartnern	12

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Kundensegmente

Kleine und mittlere Unternehmen in Pennsylvania

Im vierten Quartal 2023 betreut CB Financial Services rund 1.247 kleine und mittlere Unternehmen in ganz Pennsylvania. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 156,3 Millionen US-Dollar.

Unternehmensgröße	Anzahl der Kunden	Gesamtkreditportfolio
Kleinstunternehmen (1-9 Mitarbeiter)	712	42,1 Millionen US-Dollar
Kleine Unternehmen (10-49 Mitarbeiter)	435	84,6 Millionen US-Dollar
Mittelständische Unternehmen (50-250 Mitarbeiter)	100	29,6 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Gesamtzahl der Privatkunden im Privatkundengeschäft: 38.542 zum 31. Dezember 2023.

• Persönliche Girokonten: 22.316
• Persönliche Sparkonten: 16.226
• Durchschnittlicher Kontostand: 17.450 $

Lokale Handelsunternehmen

Das Geschäftsbanksegment betreut 276 lokale Unternehmen mit einem Gesamtwert der Geschäftsbankbeziehungen von 248,7 Millionen US-Dollar.

Industriesektor	Anzahl der Unternehmen	Gesamtwert der Bankbeziehung
Herstellung	87	92,3 Millionen US-Dollar
Einzelhandel	64	53,6 Millionen US-Dollar
Professionelle Dienstleistungen	125	102,8 Millionen US-Dollar

Gemeinnützige Organisationen

CB Financial Services unterstützt 89 gemeinnützige Organisationen mit Bankbeziehungen im Gesamtwert von 34,2 Millionen US-Dollar.

• Bildungsgemeinnützige Organisationen: 32
• Gemeinnützige Organisationen im Gesundheitswesen: 27
• Gemeinnützige gemeinnützige Organisationen: 30

Professionelle Dienstleister

Das Segment der professionellen Dienstleister umfasst 214 Kunden mit Bankbeziehungen von insgesamt 76,5 Millionen US-Dollar.

Professionelle Kategorie	Anzahl der Anbieter	Gesamtwert der Bankbeziehung
Anwaltskanzleien	62	22,3 Millionen US-Dollar
Wirtschaftsprüfungsgesellschaften	84	34,6 Millionen US-Dollar
Beratungsunternehmen	68	19,6 Millionen US-Dollar

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Im vierten Quartal 2023 meldete CB Financial Services Gesamtbetriebskosten für die Filialen in Höhe von 12,4 Millionen US-Dollar pro Jahr. Dazu gehört:

Ausgabenkategorie	Jährliche Kosten
Miete und Ausstattung	5,6 Millionen US-Dollar
Dienstprogramme	1,2 Millionen US-Dollar
Wartung und Reparaturen	2,3 Millionen US-Dollar
Sicherheit	1,5 Millionen Dollar
Versicherung	1,8 Millionen US-Dollar

Investitionen in Technologie und digitale Infrastruktur

Die Technologieausgaben für 2023 beliefen sich auf insgesamt 8,7 Millionen US-Dollar, mit folgender Aufteilung:

• Kernbankensysteme: 3,2 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 2,5 Millionen US-Dollar
• Digitale Banking-Plattform: 1,8 Millionen US-Dollar
• IT-Support und Wartung: 1,2 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 erreichten 45,6 Millionen US-Dollar:

Vergütungskategorie	Jährliche Kosten
Grundgehälter	32,4 Millionen US-Dollar
Krankenversicherung	5,2 Millionen US-Dollar
Altersvorsorgeleistungen	4,6 Millionen US-Dollar
Leistungsprämien	3,4 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 6,3 Millionen US-Dollar, einschließlich:

• Regulatorische Berichterstattung: 2,1 Millionen US-Dollar
• Rechts- und Beratungskosten: 1,8 Millionen US-Dollar
• Compliance-Schulung: 0,9 Millionen US-Dollar
• Audit und Risikomanagement: 1,5 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 5,2 Millionen US-Dollar:

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	2,3 Millionen US-Dollar
Traditionelle Werbung	1,5 Millionen Dollar
Gemeinschaftspatenschaften	0,7 Millionen US-Dollar
Kampagnen zur Kundengewinnung	0,7 Millionen US-Dollar

CB Financial Services, Inc. (CBFV) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 meldete CB Financial Services einen Gesamtzinsertrag von 41,6 Millionen US-Dollar. Die Zinserträge gliedern sich wie folgt:

Kreditkategorie	Zinserträge ($)
Gewerbliche Kredite	22,340,000
Hypothekendarlehen für Wohnimmobilien	12,540,000
Verbraucherkredite	6,720,000

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 8,3 Millionen US-Dollar, mit folgender Verteilung:

• Kontoführungsgebühren: 3.200.000 $
• Überziehungsgebühren: 1.750.000 $
• Gebühren für Geldautomatentransaktionen: 1.500.000 $
• Gebühren für Überweisungen: 1.850.000 USD

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Investmentdienstleistungen erreichte im Jahr 2023 5,7 Millionen US-Dollar:

Servicetyp	Umsatz ($)
Vermögensverwaltungsgebühren	3,200,000
Finanzberatungsdienste	1,850,000
Ruhestandsplanungsdienste	650,000

Transaktionsgebühren

Die Transaktionsgebühren für 2023 beliefen sich auf 4,2 Millionen US-Dollar:

• Debitkarten-Transaktionsgebühren: 2.100.000 $
• Gebühren für Kreditkartentransaktionen: 1.500.000 $
• Gebühren für Online-Banking-Transaktionen: 600.000 US-Dollar

Erträge aus dem Geschäftsbankgeschäft

Die Einnahmen aus dem Geschäftsbankgeschäft beliefen sich im Jahr 2023 auf 12,5 Millionen US-Dollar:

Kommerzieller Bankdienst	Umsatz ($)
Firmenkundendienstleistungen	6,750,000
Handelsfinanzierungsdienstleistungen	3,250,000
Cash-Management-Dienstleistungen	2,500,000

CB Financial Services, Inc. (CBFV) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose CB Financial Services, Inc. over larger institutions. It boils down to a deliberate mix of local presence and sophisticated financial engineering.

Community-focused, personalized banking service model

CB Financial Services, Inc. delivers its value proposition through a community-oriented approach, operating its retail and commercial network across Southwestern Pennsylvania and West Virginia. This structure supports relationship-driven banking, meaning decisions are rooted locally, which is a key differentiator for its customer base.

• Operates a retail and commercial network across Pennsylvania and West Virginia.
• Focuses on relationship-driven banking for individuals and businesses.

Full suite of retail and commercial lending and deposit products

The bank provides a comprehensive set of financial tools, balancing core deposit gathering with varied lending activities. The total loan portfolio as of the third quarter of 2025 stood at $1,143,386,000. This portfolio is segmented to serve diverse needs across the region.

Deposit products are standard for a community bank, including checking accounts, savings accounts, money market accounts, and certificates of deposit. Furthermore, ancillary services like online banking, mobile banking, cash management, and merchant services complement the in-person service.

Product Category	Specific Offerings	Balance/Count (Q3 2025 Data)
Lending Portfolio	Residential Mortgages, Commercial Mortgages, Construction Loans, Commercial and Industrial Loans, Consumer Loans	Total Loans: $1,143,386,000
Deposit Products	Checking, Savings, Money Market, Certificates of Deposit	Net Interest and Dividend Income: $13.1 million (Q3 2025)
Ancillary Services	Online Banking, Mobile Banking, Cash Management, Merchant Services	N/A

High asset quality with nonperforming loans at a very low 0.19% (Q3 2025)

Asset quality is a cornerstone of the value proposition, signaling prudent underwriting and risk management. The nonperforming loans (NPLs) ratio is exceptionally low, which provides confidence in the loan book's health. This low NPL figure is supported by a substantial allowance set aside for potential credit losses.

The Allowance for Credit Losses (ACL) to total loans was 0.89% at September 30, 2025, showing management's conservative stance on credit risk.

Strategic balance sheet moves designed to add 19 bps to NIM long-term

CB Financial Services, Inc. is actively engineering its balance sheet for better future returns, even taking a short-term accounting hit to achieve this. The management anticipates this proactive repositioning will add approximately 19 basis points to the Net Interest Margin (NIM) over the long term. The current GAAP NIM for Q3 2025 already reflects some of this positive momentum, having expanded to 3.64%.

Here's the quick math on the securities trade that drives this: the bank sold $129.6 million in securities yielding an average of 2.87% and plans to reinvest $117.8 million into assets yielding approximately 5.51%.

Metric	Value (Q3 2025)	Target/Expectation
Reported GAAP Net Interest Margin (NIM)	3.64%	Long-term addition of ~19 bps
Securities Sold (Book Value)	$129.6 million	Average Yield: 2.87%
Securities Purchased (Expected)	$117.8 million	Average Yield: ~5.51%
Tangible Book Value Per Share	$28.56	N/A

Wealth management services through a trusted third-party affiliation

To broaden its service offering without building out an entire internal division, CB Financial Services, Inc. uses a third-party relationship for wealth management. This allows the bank to offer sophisticated investment products while relying on an established partner for execution and compliance expertise. The wealth management services are provided through an affiliation with the Bishop Group of Janney, Montgomery Scott.

• Wealth management services are channeled via the Bishop Group of Janney, Montgomery Scott.
• The bank provides commercial and personal insurance brokerage via its wholly owned subsidiary, Exchange Underwriters, Inc.

The quarterly cash dividend declared in Q3 2025 was $0.26 per share, showing a commitment to returning capital to shareholders alongside these strategic moves. Finance: draft 13-week cash view by Friday.

CB Financial Services, Inc. (CBFV) - Canvas Business Model: Customer Relationships

You're looking at how CB Financial Services, Inc. keeps its clients close, which is key to their strategy of moving away from simple transactional banking. They are actively building meaningful relationships to enhance franchise value, a stated goal as they limit purely transactional interactions.

This focus translates directly into how they serve you. CB Financial Services, Inc. emphasizes a high-touch, personalized service model. To help their experienced bankers deliver this, they established a dedicated retail support team in 2024, staffed with experienced personnel to enhance the client experience. This commitment to quality interaction is a core part of their relationship-driven loan production strategy.

The results of this relationship focus are statistically visible. CB Financial Services, Inc. achieved an overall customer satisfaction score of 4.5 out of 5 as of their 2024 reporting, which they view as a strong indicator of delivering an exceptional client experience. Furthermore, in 2024, they saw a 29% increase in their client promoter score when compared to two years prior. This dedication to service excellence was recognized externally; CB Financial Services, Inc. was honored as a Best Regional Bank in America by Newsweek for 2025, marking the second consecutive year for this recognition.

You can see the scale of the operation supporting these relationships. As of the third quarter of 2025, CB Financial Services, Inc. managed total assets of $1.55 billion. Their physical presence, which facilitates these personal connections, includes 12 full-service branch offices and two loan production offices across southwestern Pennsylvania and northern West Virginia. The emphasis on deep, tailored relationships is also reflected in their lending mix, where commercial loans made up 59.8% of the total loan portfolio at September 30, 2025.

Here's a quick look at the relationship-centric metrics and structure as of late 2025:

Metric	Value/Status	Date/Context
Overall Customer Satisfaction Score	4.5 out of 5	As of 2024 reporting
Client Promoter Score Increase	29%	Compared to two years prior (2024)
2025 Industry Recognition	Best Regional Bank in America by Newsweek	2nd consecutive year
Dedicated Support Structure	Retail Support Team established	2024
Total Assets	$1.55 billion	September 30, 2025
Commercial Loans as % of Portfolio	59.8%	September 30, 2025

The elements supporting this relationship model include:

• Focus on relationship driven loan production.
• Emphasis on personalized service and local decision-making.
• Tailored financial solutions for customers.
• Staffing of experienced personnel on the retail support team.
• Community engagement as a core positioning strength.

If onboarding takes 14+ days, churn risk rises, so the efficiency of that initial high-touch interaction is defintely critical.

Finance: draft 13-week cash view by Friday.

CB Financial Services, Inc. (CBFV) - Canvas Business Model: Channels

You're looking at how CB Financial Services, Inc. gets its services to customers as of late 2025. It's a mix of traditional brick-and-mortar and digital touchpoints, which is typical for a community bank of this size.

The physical footprint is concentrated in specific counties across two states. As of the third quarter of 2025, Community Bank operates its retail and commercial network across these locations:

• Pennsylvania Offices: 9 offices in Greene, Allegheny, Washington, Fayette, and Westmoreland Counties.
• West Virginia Offices: 3 offices in Marshall and Ohio Counties.

This translates to a total of 12 physical locations, which includes the 12 full-service branch offices mentioned in earlier 2025 reports, alongside 2 Loan Production Offices (LPOs).

For digital access, the bank channels services through its online and mobile banking platforms for both retail and business clients. While specific user counts aren't public, these platforms support ancillary services like cash management and merchant services.

The direct sales effort for commercial and industrial lending is supported by ongoing talent acquisition. As of March 31, 2025, CB Financial Services, Inc. was evaluating and hiring additional Commercial Banking talent, with estimated 2025 personnel costs for this effort at $900,000. This focus on expanding the commercial lending team was noted as a factor contributing to growth as of January 2025.

For stockholder and public communication, the Investor Relations website is the primary hub. Key documents available to the public include the 2025 Q3 Fact Sheet and investor presentations, such as the one titled October 2025 - Realizing Dreams. Protecting Futures. Improving Lives..

Here's a quick look at the scale of the loan portfolio that these channels are servicing as of September 30, 2025:

Loan Segment	Total Outstanding Balance (USD)	Portfolio Percentage
Total Loans	$1,143,386,000	100%
Commercial and Industrial Loans (C&I)	Not Separately Itemized	11.8% of CRE/C&I Total
Commercial Real Estate (CRE) - Retail Space	$122,928,000 (Approximate)	25.3% of CRE Portfolio

The bank's total assets stood at $1.55 billion as of September 30, 2025, up 4.3% since December 31, 2024.

The channels also support deposit services, with total deposits reported at $1.28 billion as of December 31, 2024. By Q3 2025, the net interest margin improved to 3.64%.

The company also has a stated commitment to shareholder communication via a repurchase program:

• Authorized repurchase amount: up to $5 million.
• Program termination date: September 30, 2026.
• Shares potentially encompassed (based on Sep 3, 2025 price): 153,233 shares.

Finance: draft 13-week cash view by Friday.

CB Financial Services, Inc. (CBFV) - Canvas Business Model: Customer Segments

You're looking at the core groups CB Financial Services, Inc. (CBFV), through its subsidiary Community Bank, serves across its operating area. Honestly, for a community bank, the customer segments are tightly linked to geography and the types of lending that support that local economy.

The bank's physical footprint defines the primary market for its retail and commercial services. Community Bank operates its branch network across specific counties, which directly informs who they serve.

• Geographical Footprint: Nine offices in southwestern Pennsylvania, specifically in Greene, Allegheny, Washington, Fayette, and Westmoreland Counties.
• Geographical Footprint: Three offices in West Virginia, located in Marshall and Ohio Counties.

The lending activity gives us the clearest view of the mix between individuals and businesses. As of September 30, 2025, the total loans on the books amounted to $1,143,386,000.

The focus on commercial activity is quite pronounced, showing a strategic emphasis on business clients. For instance, commercial loans represented 59% of the loan portfolio at June 30, 2025, up from 53% a year prior.

Here's a look at the detailed loan portfolio composition, using the latest full breakdown available from year-end 2024, which sets the stage for 2025 lending focus:

Loan Category	Percentage of Portfolio (as of 12/31/2024)	Loan Balance (in millions as of 12/31/2024)
Real Estate- Commercial	44.4%	$485.5
Real Estate- Residential	30.9%	$338.0
Commercial & Industrial	10.3%	$112.0
Consumer	6.5%	$70.5
Real Estate- Construction	5.0%	$54.7
Other	2.9%	$31.9

The segment for Individuals and families in the regional footprint is served through retail banking products like demand deposits, NOW accounts, money market accounts, savings accounts, residential mortgages, home equity lines of credit, and various consumer loan products.

The segment for Small to mid-sized businesses (commercial and industrial) is a key driver, evidenced by the 59% commercial loan weighting at mid-2025. This group uses commercial real estate loans, commercial and industrial financing, and ancillary services like cash management and merchant services.

For Agricultural clients within the operating region, CB Financial Services, Inc. provides specific agricultural loans, complementing its broader retail and commercial offerings. This segment is explicitly targeted alongside individuals and small businesses.

Finally, there is the segment of Stockholders seeking a sustainable dividend of $0.26 per share quarterly. The company has maintained a consistent payout, with the latest quarterly dividend declared at $0.26 per share, which was paid on November 28, 2025, to shareholders of record before the November 14, 2025 ex-dividend date. This represents an annual dividend of $1.04, with a payout ratio reported at 43.78% based on past year earnings per share of $0.74.

CB Financial Services, Inc. (CBFV) - Canvas Business Model: Cost Structure

You're looking at the expense side of the CB Financial Services, Inc. (CBFV) operation as of late 2025. The cost structure is heavily influenced by funding costs and the necessary overhead to support a high-touch service model while investing in digital future-proofing.

The core funding cost, Interest Expense, showed significant improvement, declining to \$6.2 million in Q3 2025. That was a 24.8% drop year-over-year, driven by lower deposit costs and balances, which is a positive sign for margin management.

The operating costs, Noninterest Expense, were reported at \$9.2 million for Q3 2025, marking a 4.6% increase from the same quarter last year. This increase reflects the ongoing investment in the service model and regulatory requirements.

Here's a quick breakdown of the key components making up that cost base, especially those tied to strategic initiatives:

• Personnel costs (salaries and benefits) support the high-touch service model you expect from Community Bank.
• Technology and infrastructure investments are targeted for digital enhancement, like the new loan origination system implemented in the prior year.
• Regulatory compliance and professional fees are a constant factor in banking overhead.

To give you a clearer picture of the hard numbers we see for the cost base, including estimates for the new strategic build-out:

Cost Category	Q3 2025 Amount (Millions)	2025 Initiative Estimate (Millions)	Context
Interest Expense	\$6.2	N/A	Declined 24.8% from Q3 2024
Noninterest Expense (Total)	\$9.2	N/A	Increased 4.6% from Q3 2024
Personnel Costs (TM Division Est.)	N/A	\$1.1	Estimated 2025 cost for new Treasury Management staff
Technology/Systems (TM Est.)	N/A	\$0.7	Estimated 2025 cost for new TM products/processes, initial phase completion in 3Q25

The higher Noninterest Expense in Q3 2025 specifically included increases in salaries, benefits, and professional fees, which offset lower amortization and occupancy costs. For context on the compliance portion, general industry data suggests smaller institutions allocate between 2.9% and 8.7% of their non-interest expenses to compliance.

The investments in the Treasury Management (TM) and Commercial Banking expansion are significant cost drivers for the year, with the initial phase of the TM build-out expected to be completed by 4Q25.

• The cost for building the TM division staff was estimated at \$1.1 million for 2025.
• The technology spend for upgrading or implementing new TM products was estimated at \$700,000 for 2025.
• Contracted services, which cover items like cybersecurity support and treasury product consulting, showed an increase in a prior period, indicating ongoing professional service costs.

Finance: draft 13-week cash view by Friday.

CB Financial Services, Inc. (CBFV) - Canvas Business Model: Revenue Streams

You're looking at how CB Financial Services, Inc. (CBFV) actually brings in the money, which is key to understanding its value proposition. For a community bank like CBFV, the core is definitely the spread between what it earns on assets and what it pays for liabilities, but they are clearly pushing non-interest income streams too.

The primary engine for revenue remains the net interest spread. For the third quarter of 2025, Net Interest and Dividend Income (NII) was reported at $13.1 million. This shows solid growth, up 14.2% year-over-year compared to Q3 2024.

Here's a quick breakdown of the components that make up the total interest and dividend income for Q3 2025:

Income Component	Q3 2025 Amount	Comparison Note
Interest Income on Loans	$16.0 million	Largest component, up 6.9% year-over-year.
Interest Income on Investment Securities	$3.0 million	Decreased 9.0% year-over-year due to portfolio repositioning sales.
Interest Income on Deposits at Other Banks	$293,000	Decreased $1.2 million year-over-year due to lower balances and yield.

The interest income on loans, at $16.0 million for the quarter, was driven by an increase in the average loan balance to $1.12 billion from $1.06 billion the prior year, contributing an $830,000 increase. The average yield on loans also nudged up 8 basis points to 5.68%.

Now, let's look at the non-interest income, which captures fees and other sources. The reported Noninterest Income for Q3 2025 was a loss of $10.7 million, largely due to a significant, strategic $11.8 million loss on securities sold as part of the balance sheet repositioning. Honestly, you have to look past that one-time event to see the underlying fee generation. Excluding that securities loss, noninterest income actually increased by 26.5% year-over-year. For context, in Q2 2025, noninterest income was $931,000, which was up 35.3% from the prior year, primarily from service fees on corporate deposit and Individual Covered Health Reimbursement Arrangement accounts.

CB Financial Services, Inc. generates revenue from ancillary services, which include fees from deposit services and other noninterest income sources. You can see the areas they are focusing on for fee growth:

• Service fees related to corporate deposit accounts.
• Fees from Individual Covered Health Reimbursement Arrangement accounts.
• Wealth management service fees generated through the Bishop Group affiliation.

Regarding wealth management service fees from the Bishop Group affiliation, the fee structure is transparent, designed to align with client asset growth. The structure is 0.6% for assets under $1 million and 0.3% for each dollar over $1 million. While I don't have the specific Q3 2025 revenue number from this segment, this structure is what supports that revenue stream.

A major focus for future revenue growth is the Specialty Treasury Payments & Services program. Management confirmed that the program is nearing full deployment, with full operational status expected by the end of the year, late 2025. This is viewed as a high-value investment intended to drive sustainable revenue growth and expand the core deposit base. The successful execution of this program is a key catalyst management is watching.

Finance: draft 13-week cash view by Friday.