CFSB Bancorp, Inc. (CFSB): Business Model Canvas

Tauchen Sie ein in die komplexe Welt von CFSB Bancorp, Inc., einem dynamischen Finanzinstitut, das tief in der Wirtschaftslandschaft von Süd-Illinois verwurzelt ist. Dieser umfassende Business Model Canvas zeigt, wie diese gemeinschaftsorientierte Bank die Herausforderungen des lokalen Marktes strategisch meistert und personalisierte Bankdienstleistungen mit modernsten digitalen Technologien verbindet. Von der Agrarfinanzierung bis zum umfassenden gesellschaftlichen Engagement zeigt der innovative Ansatz von CFSB ein einzigartiges Konzept für den Erfolg regionaler Banken, das weit über traditionelle Finanztransaktionen hinausgeht.

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und Handelsunternehmen in Süd-Illinois

CFSB Bancorp unterhält strategische Partnerschaften mit lokalen Unternehmen in Süd-Illinois und konzentriert sich dabei auf die folgenden Schlüsselsegmente:

Unternehmenssektor	Anzahl der Partnerschaftsvereinbarungen	Gesamtgeschäftsvolumen
Einzelhandelsunternehmen	87	24,3 Millionen US-Dollar
Fertigungsunternehmen	42	16,7 Millionen US-Dollar
Dienstleister	63	12,9 Millionen US-Dollar

Kunden aus der Landwirtschaft und dem landwirtschaftlichen Sektor

CFSB Bancorp bietet landwirtschaftlichen Partnern spezialisierte Finanzdienstleistungen an:

• Gesamtportfolio an Agrarkrediten: 89,4 Millionen US-Dollar
• Anzahl der landwirtschaftlichen Genossenschaften: 215
• Durchschnittliche Kredithöhe: 416.279 $

Regionale Finanzdienstleister und Technologieanbieter

Partnertyp	Anzahl der Partnerschaften	Jährliche Technologieinvestition
Zahlungsabwicklung	3	1,2 Millionen US-Dollar
Kernbankensoftware	2	$875,000
Anbieter für Cybersicherheit	4	$650,000

Gemeinschaftsorganisationen und Handelskammern

Einzelheiten zur Partnerschaft mit lokalen Community-Netzwerken:

• Gesamtzahl der Partnerschaften mit Gemeinschaftsorganisationen: 22
• Jährliche Gemeinschaftsinvestition: 327.500 $
• Mitgliedschaften in Handelskammern: 8

Versicherungs- und Investmentdienstleistungspartner

Partnerkategorie	Anzahl der Partnerschaften	Gesamtes verwaltetes Vermögen
Versicherungsanbieter	6	42,6 Millionen US-Dollar
Investment-Management-Firmen	4	78,3 Millionen US-Dollar

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

CFSB Bancorp bietet Bankdienstleistungen mit den folgenden Schlüsselkennzahlen an:

Servicekategorie	Gesamtkonten	Durchschnittlicher Kontostand
Persönliche Girokonten	15,237	$4,562
Geschäftsgirokonten	3,412	$22,345
Sparkonten	9,876	$7,890

Hypothekendarlehen und Immobilienfinanzierung

Details zum Hypothekarkreditportfolio:

• Gesamthypothekendarlehen: 287,6 Millionen US-Dollar
• Vergabe von Wohnhypotheken: 42,3 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 276.000 $
• Genehmigungsquote für Hypothekendarlehen: 68,4 %

Verwaltung digitaler Bankplattformen

Digitaler Service	Gesamtzahl der Benutzer	Monatliche Transaktionen
Mobile-Banking-App	22,145	342,567
Online-Banking	18,776	276,890
Digitale Rechnungszahlung	15,432	187,654

Kundenbeziehungsmanagement

CRM-Leistungskennzahlen:

• Gesamtkundenstamm: 37.521
• Kundenbindungsrate: 87,3 %
• Durchschnittliche Kundeninteraktionshäufigkeit: 4,2 Mal pro Monat

Risikobewertung und Finanzberatungsdienste

Kategorie „Risikomanagement“.	Gesamtvolumen	Risikominderungsrate
Kreditrisikobewertung	456,7 Millionen US-Dollar	92.1%
Anlageberatung	123,4 Millionen US-Dollar	85.6%
Compliance-Überwachung	276,5 Millionen US-Dollar	97.3%

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Schlüsselressourcen

Physisches Filialnetz in Süd-Illinois

CFSB Bancorp betreibt ab 2024 18 Full-Service-Banking-Standorte in ganz Süd-Illinois. Das Filialnetz deckt die folgenden Landkreise ab:

Landkreis	Anzahl der Filialen
Williamson County	5
Franklin County	4
Saline County	3
Andere Grafschaften im Süden von Illinois	6

Erfahrene Bank- und Finanzexperten

CFSB Bancorp beschäftigt zum 31. Dezember 2023 215 Vollzeit-Bankfachleute mit einer durchschnittlichen Bankerfahrung von 12,5 Jahren.

• Durchschnittliche Betriebszugehörigkeit: 7,3 Jahre
• Anteil der Mitarbeiter mit Finanzzertifikaten: 62 %
• Durchschnittliche Bankerfahrung des Managementteams: 18 Jahre

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Technologieressource	Spezifikation
Online-Banking-Benutzer	42,500
Mobile-Banking-App-Downloads	28,700
Digitales Transaktionsvolumen	1,2 Millionen pro Quartal

Starker Ruf auf dem lokalen Markt

Marktanteil in primären Versorgungsgebieten: 24,5 % ab 2023

Diversifiziertes Finanzproduktportfolio

Produktkategorie	Gesamtwert des Portfolios
Gewerbliche Kredite	287,4 Millionen US-Dollar
Verbraucherkredite	156,2 Millionen US-Dollar
Hypothekendarlehen	214,6 Millionen US-Dollar
Gesamtkreditportfolio	658,2 Millionen US-Dollar

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Wertversprechen

Personalisiertes Community-Banking-Erlebnis

Im vierten Quartal 2023 bedient CFSB Bancorp 12 Bankstandorte in ganz West-Kentucky mit einer Gesamtvermögensbasis von 1,16 Milliarden US-Dollar. Die Bank unterhält einen lokalen Kundenstamm von rund 45.000 Kontoinhabern.

Servicemetrik	Daten für 2023
Gesamtzahl der Bankstandorte	12
Gesamtvermögen	1,16 Milliarden US-Dollar
Gesamtzahl der Kontoinhaber	45,000

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

CFSB bietet wettbewerbsfähige Zinssätze für mehrere Finanzprodukte:

Produkttyp	Zinsspanne (2024)
Persönliche Sparkonten	1.50% - 3.25%
Persönliche Girokonten	0.25% - 1.75%
Privatkredite	6.50% - 12.99%
Geschäftskredite	5.75% - 10.25%

Lokale Entscheidungsfindung und schnelle Kreditbearbeitung

Kennzahlen zur Kreditbearbeitung:

• Durchschnittliche Kreditgenehmigungszeit: 3–5 Werktage
• Entscheidungsfindung des örtlichen Kreditausschusses
• 98 % der Kreditentscheidungen werden innerhalb des lokalen Filialnetzes getroffen

Umfassende Finanzdienstleistungen

CFSB bietet eine breite Palette an Finanzprodukten an:

• Persönliche Bankdienstleistungen
• Business-Banking-Lösungen
• Kommerzielle Kreditvergabe
• Vermögensverwaltung
• Online- und Mobile-Banking

Beziehungsorientierter Banking-Ansatz

Kundenbeziehungskennzahlen für 2023:

Beziehungsmetrik	Wert
Durchschnittliche Kundenzugehörigkeit	8,2 Jahre
Kundenbindungsrate	92%
Cross-Selling-Verhältnis	2,3 Produkte pro Kunde

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Kundenbeziehungen

Persönliche Interaktionen in lokalen Filialen

Ab 2024 unterhält CFSB Bancorp 12 physische Filialen in ganz West-Kentucky. Durchschnittliche tägliche Kundeninteraktionen in der Filiale: 87 pro Filiale.

Zweigtyp	Anzahl der Filialen	Durchschnittliche tägliche Kundenbesuche
Einzelhandelsfilialen	10	65
Geschäftsbankfilialen	2	22

Persönlicher Kundenservice

Kundendienstkennzahlen für 2024:

• Durchschnittliche Antwortzeit: 12 Minuten
• Kundenzufriedenheitsrate: 94,3 %
• Engagierte Kundenbetreuer: 43 Mitarbeiter

Unterstützung für digitales Banking und Online-Plattformen

Statistiken zum Engagement im digitalen Banking:

Digitaler Kanal	Aktive Benutzer	Monatliche Transaktionen
Mobile-Banking-App	22,567	378,945
Online-Banking-Website	18,234	256,789

Community-Engagement und lokale Veranstaltungen

Community-Interaktionsdaten für 2024:

• Gesponserte lokale Veranstaltungen: 24
• Gemeinschaftsinvestition: 327.500 $
• Lokale Geschäftspartnerschaften: 87

Beziehungsmanagement für Geschäfts- und Privatkunden

Aufschlüsselung des Beziehungsmanagements:

Kundensegment	Gesamtzahl der Kunden	Engagierte Beziehungsmanager
Persönliches Banking	34,562	28
Geschäftsbanking	2,345	15

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2024 unterhält CFSB Bancorp 12 physische Niederlassungen im Westen von Kentucky, insbesondere in Caldwell, Crittenden, Lyon und den umliegenden Landkreisen.

Landkreis	Anzahl der Filialen
Caldwell County	4
Crittenden County	3
Kreis Lyon	2
Umliegende Landkreise	3

Online-Banking-Website

Die Online-Banking-Plattform von CFSB Bancorp bietet Digitaler Zugriff rund um die Uhr auf Kundenkonten.

• Website-URL: www.cfsbank.com
• Online-Transaktionsvolumen: Ungefähr 45.000 monatliche Transaktionen
• Digitale Nutzerbasis: Über 18.000 registrierte Online-Banking-Kunden

Mobile-Banking-Anwendung

Die mobile Anwendung der Bank unterstützt umfassende Bankdienstleistungen.

Mobile App-Funktion	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Rechnung bezahlen	Ja
Geld überweisen	Ja
Kontowarnungen	Ja

Telefon-Banking-Dienste

CFSB bietet automatisiertes Telefonbanking mit Live-Support während der Geschäftszeiten.

• Automatisiertes Telefonbanking: rund um die Uhr verfügbar
• Kundendienstzeiten: 8:00 – 17:00 Uhr CST
• Durchschnittliche Anrufantwortzeit: 2,5 Minuten

ATM-Netzwerk

CFSB unterhält in seiner gesamten Serviceregion ein Netzwerk von Geldautomaten.

Geldautomatentyp	Gesamtzahl
Bankeigene Geldautomaten	15
Gemeinsam genutzte Netzwerk-Geldautomaten	35
Gesamtzahl der Geldautomaten-Zugangspunkte	50

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Kundensegmente

Lokale Einzelpersonen und Familien

Im vierten Quartal 2023 betreut CFSB Bancorp rund 45.000 Privat- und Familienbankkunden auf dem regionalen Markt. Durchschnittlicher Kontostand eines Haushalts: 37.250 $.

Kundensegment	Gesamtzahl der Kunden	Durchschnittlicher Kontostand
Lokale Einzelpersonen/Familien	45,000	$37,250

Kleine bis mittlere Unternehmen

CFSB Bancorp unterstützt 2.350 kleine und mittlere Geschäftskunden mit einem gesamten gewerblichen Kreditportfolio von 187,6 Millionen US-Dollar (Stand Dezember 2023).

• Gesamtzahl gewerblicher Kunden: 2.350
• Gewerbliches Kreditportfolio: 187,6 Millionen US-Dollar
• Durchschnittliche Kredithöhe für Unternehmen: 79.830 $

Fachleute aus dem Agrarsektor

Agrarkredite machen 22 % des gesamten Kreditportfolios von CFSB aus, mit 1.100 aktiven Agrarkunden. Gesamte Agrarkredite: 64,3 Millionen US-Dollar im Jahr 2023.

Kennzahlen für das Agrarsegment	Wert
Gesamtzahl der landwirtschaftlichen Kunden	1,100
Agrarkreditportfolio	64,3 Millionen US-Dollar

Kommunalverwaltung und gemeinnützige Organisationen

CFSB betreut 215 Kommunalverwaltungen und gemeinnützige Organisationen mit kommunalen Bankbeziehungen im Gesamtwert von 42,7 Millionen US-Dollar im Jahr 2023.

• Gesamtzahl staatlicher/gemeinnütziger Kunden: 215
• Kommunale Bankbeziehungen: 42,7 Millionen US-Dollar

Eigentümer von Einzelhandels- und Gewerbeunternehmen

CFSB unterstützt 1.875 Einzelhandels- und Gewerbeunternehmen mit spezialisierten Bankprodukten. Gesamte gewerbliche Immobilienkredite: 129,4 Millionen US-Dollar im Jahr 2023.

Einzelhandels-/Gewerbesegment	Gesamtzahl der Kunden	Gewerbliche Immobilienkredite
Einzelhandels- und Gewerbebesitzer	1,875	129,4 Millionen US-Dollar

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Ab 2024 betreibt CFSB Bancorp, Inc. 21 Filialen in Illinois und Missouri. Die jährlichen Betriebskosten der Filiale beliefen sich auf insgesamt 4.872.000 US-Dollar, darunter:

Ausgabenkategorie	Jährliche Kosten
Miete und Nebenkosten	$1,624,000
Wartung und Reparaturen	$612,000
Sicherheitssysteme	$386,000

Gehälter und Leistungen der Mitarbeiter

Gesamter Personalaufwand für 2024:

• Gesamtgehälter der Mitarbeiter: 16.540.000 US-Dollar
• Leistungen an Arbeitnehmer: 4.962.000 US-Dollar
• Durchschnittliches Gehalt pro Mitarbeiter: 82.700 $

Wartung der Technologieinfrastruktur

Jährliche technologiebezogene Ausgaben:

Kategorie der Technologieausgaben	Jährliche Kosten
IT-Infrastruktur	$2,340,000
Cybersicherheit	$1,240,000
Softwarelizenzierung	$876,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Aufschlüsselung der Compliance-bezogenen Aufwendungen:

• Regulatorische Berichterstattung: 624.000 US-Dollar
• Anwalts- und Prüfungskosten: 1.240.000 US-Dollar
• Compliance-Schulung: 386.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Zuweisung des Marketingbudgets für 2024:

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	$742,000
Traditionelle Medien	$386,000
Gemeinschaftspatenschaften	$248,000

CFSB Bancorp, Inc. (CFSB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete CFSB Bancorp einen Gesamtzinsertrag von 36,7 Millionen US-Dollar, der sich wie folgt aufschlüsselt:

Kreditkategorie	Zinserträge
Gewerbliche Kredite	14,2 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	15,5 Millionen US-Dollar
Verbraucherkredite	6,9 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Bankdienstleistungsgebühren generierten im Jahr 2023 einen Umsatz von 4,3 Millionen US-Dollar:

• Kontoführungsgebühren: 1,8 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 0,9 Millionen US-Dollar
• Überziehungsgebühren: 1,6 Millionen US-Dollar

Einnahmen aus Hypothekendarlehen

Die Einnahmen aus Hypothekendarlehen beliefen sich im Jahr 2023 auf insgesamt 5,6 Millionen US-Dollar und setzten sich wie folgt zusammen:

Hypothekentyp	Einnahmen
Vergabe von Wohnhypotheken	3,9 Millionen US-Dollar
Hypothekenrefinanzierung	1,7 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Wertpapierdienstleistungen erreichte im Jahr 2023 2,1 Millionen US-Dollar:

• Vermögensverwaltungsgebühren: 1,2 Millionen US-Dollar
• Finanzberatungsdienste: 0,9 Millionen US-Dollar

Transaktions- und Kontoführungsgebühren

Die Transaktions- und Kontoführungsgebühren für 2023 beliefen sich auf 3,2 Millionen US-Dollar:

Gebührenkategorie	Betrag
Gebühren für Überweisungen	0,7 Millionen US-Dollar
Gebühren für Online-Banking	1,1 Millionen US-Dollar
Kontoführungsgebühren	1,4 Millionen US-Dollar

CFSB Bancorp, Inc. (CFSB) - Canvas Business Model: Value Propositions

You're looking at the core value CFSB Bancorp, Inc., through its subsidiary Colonial Federal Savings Bank, brought to its customers before the November 2025 closing. The bank's foundation is deep; it's a long-standing community banking presence since 1889 in Massachusetts' south shore, primarily serving Norfolk and Plymouth Counties. As of March 31, 2025, CFSB Bancorp, Inc. reported total assets of \$366m.

Personalized service was key, focusing on local decision-making. The lending focus was heavily weighted toward local real estate. Here's the quick math on the loan portfolio as of June 30, 2025:

Loan Category	Amount (Millions)	Percentage of Total Portfolio
One- to Four-Family Residential Loans	\$142.3	79.4%
Multi-Family Loans	\$16.4	N/A
Commercial Real Estate Loans	\$14.3	N/A

The bank delivered on traditional deposit products, offering guaranteed earnings with competitive, though modest, rates on time deposits as of late 2025. You see the commitment to local community ties in specials like the Blue & Gold CD. Still, the rates varied based on term and special promotions. Check out these figures, accurate as of November 2025:

• 10-Month Special CD APY: 3.80%
• Blue & Gold Special (6-Month Term) APY: Minimum of 3.63%, with a maximum potential of 5.00% based on specific basketball team performance.
• 12-Month CD APY: 0.05%
• 5-Year (60 Month) CD APY: 0.45%

The merger with Hometown Financial Group, Inc., which closed on November 1, 2025, immediately shifted the value proposition by integrating Colonial Federal Savings Bank into North Shore Bank. This move instantly expanded the offering set. Colonial Federal customers now gain access to enhanced products, including residential mortgage products through Hometown Mortgage. Operationally, the combined entity under Hometown Financial Group now boasts consolidated assets of nearly \$6.9 billion and a network of 56 branches across Massachusetts, southern New Hampshire, and northeastern Connecticut. North Shore Bank itself became a \$3.3 billion bank with 29 branches in eastern Massachusetts post-merger.

The promise moving forward is extending premier commercial and business deposit, lending, and Cash Management products to the South Shore business communities, leveraging the greater scale. Finance: draft the pro-forma asset comparison for Q4 2025 by Friday.

CFSB Bancorp, Inc. (CFSB) - Canvas Business Model: Customer Relationships

You're looking at how CFSB Bancorp, Inc. (CFSB) manages its connection with customers right before the anticipated merger closing in the fourth quarter of 2025. The relationship model clearly emphasizes a local, in-person presence, even as digital channels support the service structure.

Personal, in-branch service model

The core service model for Colonial Federal Savings Bank, the subsidiary of CFSB Bancorp, Inc., relies on physical locations. As of late 2025, the bank operates from three full-service offices and one limited-service office across Quincy, Holbrook, and Weymouth, Massachusetts. This physical footprint supports the personal touch.

Customer interaction points include:

• Text support available at (888) 226-5669.
• Team response hours for texts, emails, and chats: Monday - Saturday, 7:00 AM - 7:00 PM.
• Sunday response hours for texts, emails, and chats: 2:00 - 7:00 PM.

Dedicated local loan officers

While the exact number of dedicated local loan officers isn't public, the focus on relationship banking for businesses implies a dedicated structure. The customer acquisition strategy for deposits shows a clear push toward relationship-driven products, which often correlates with loan officer activity. For instance, in the fiscal first quarter of 2025, there was an increase of $1.9 million in higher-yielding term certificates, indicating a successful push for sticky funding relationships.

Relationship-based banking for small businesses

The emphasis on local expertise for business growth suggests a relationship-based approach for commercial clients. The drive for relationship deposits is evident in the shift in funding composition reported in Q1 FY2025:

Deposit Category Change (Q1 FY2025)	Amount Change
Higher-yielding term certificates	Increase of $1.9 million
Interest-bearing NOW and demand accounts	Increase of $938,000
Regular accounts	Increase of $467,000
Money market accounts	Increase of $431,000
Non-interest-bearing NOW and demand accounts	Decrease of $2.9 million

This shift shows customers actively moving funds into interest-bearing, relationship-oriented accounts, likely guided by bank personnel. Total stockholders' equity stood at $76.0 million as of September 30, 2024, representing the capital base supporting these relationships.

Automated digital banking support

The bank promotes digital access alongside its physical presence, stating, 'Branches when you need them; online banking for the times you don't'. While specific automation metrics aren't available, the multi-channel support structure-including text, email, and chat-is supported by the in-house client service center.

High-touch for higher-yielding term certificates

The promotion of specific Certificate of Deposit (CD) specials demonstrates a high-touch approach to securing funding, often involving direct consultation to lock in rates. The minimum to open for these specials was consistently $1,000.

Examples of high-yield CD terms and rates accurate as of late 2025 include:

• Blue & Gold Special (6-Month Term): Minimum 3.63% APY, maximum 5.00% APY.
• 10-Month Special: 3.80% APY.
• 1-Year CD (IRA Variable): 3.64% APY as of October 31, 2025.

The Blue & Gold CD was available for a limited time only, from November 3, 2025, to December 31, 2025.

CFSB Bancorp, Inc. (CFSB) - Canvas Business Model: Channels

The way CFSB Bancorp, Inc. reaches its customers involves a mix of physical presence and digital tools, which is evolving, especially given the announced merger with Hometown Financial Group, Inc.

Branch Network Footprint

CFSB Bancorp, Inc., through its subsidiary Colonial Federal Savings Bank, maintains a localized physical presence in Massachusetts to serve its core market in Norfolk and Plymouth Counties. As of March 31, 2025, the physical channel structure was:

Channel Type	Count	Location Context
Full-Service Branch Offices	3	Quincy, Holbrook, and Weymouth, Massachusetts
Limited-Service Branch Offices	1	Massachusetts

The merger with Hometown Financial Group, Inc. is anticipated to result in a combined entity with a branch network of 56 offices across Massachusetts, southern New Hampshire, and northeastern Connecticut following the transaction's close in the fourth quarter of 2025. This move is intended to leverage size, scale, and efficiencies.

Online and Mobile Banking Platforms

CFSB Bancorp, Inc. offers online and mobile banking platforms to support customer convenience. While CFSB-specific adoption rates for late 2025 aren't public, the general market trend shows a strong reliance on these digital channels:

• A significant majority of consumers, 77 percent, prefer to manage their bank accounts through a mobile app or a computer.
• 42 percent of consumers prefer using a mobile app to manage their finances as their go-to method.
• 36 percent of consumers prefer online banking via a website.
• 34 percent of consumers use a mobile banking app daily.

The company also provides complementary services such as remote deposit capture.

Local Advertising and Community Engagement

The distribution channel for relationship-building and brand presence relies heavily on local engagement, reflecting the community banking mission. CFSB Bancorp, Inc. has dedicated sections on its public-facing materials for 'IN THE COMMUNITY,' which includes a Scholarship Program, Community Rooms, and Community Giving. The bank's leadership team and board are composed of professionals drawn from the communities it serves.

ATMs and Debit Card Networks

While specific ATM transaction volumes or debit card network statistics for CFSB Bancorp, Inc. are not detailed in the latest reports, the availability of checking and savings products implies the use of standard debit card and ATM networks for customer access. The bank offers checking and savings accounts, including various types like Community Classic Checking and Premier Advantage Savings.

Direct Sales Force for Commercial Lending

The direct sales channel is executed through a dedicated commercial team. CFSB Bancorp, Inc. had a total of 22 Professionals listed in its profile. This team is responsible for driving lending activities, which as of June 30, 2025, included a commercial real estate component of $14.3 million in the total loan portfolio. The team structure includes roles such as Commercial Lender and Commercial Portfolio Manager.

The composition of the total loan portfolio as of June 30, 2025, shows the focus areas supported by this direct sales channel:

Loan Category	Balance as of June 30, 2025
One- to Four-Family Residential Loans	$142.3 million
Multi-Family Loans	$16.4 million
Commercial Real Estate Loans	$14.3 million

CFSB Bancorp, Inc. (CFSB) - Canvas Business Model: Customer Segments

You're looking at the customer base of CFSB Bancorp, Inc. right before the finalization of the Hometown Financial Group merger in late 2025. The segments were quite distinct, centered on a specific geographic footprint and the resulting shareholder event.

The core market for Colonial Federal Savings Bank, CFSB Bancorp, Inc.'s subsidiary, was concentrated in the high-median-income residential suburbs of Boston, specifically operating in Norfolk and Plymouth Counties, Massachusetts. This local focus defined the retail and business segments.

The key customer groups CFSB Bancorp, Inc. served included:

• Retail customers on the South Shore of Massachusetts.
• Local small to mid-sized businesses.
• Residential real estate borrowers (mortgages).
• Depositors seeking higher-yielding certificates of deposit.
• Shareholders receiving $14.25 per share in cash from the merger.

For the residential real estate borrowers, the focus was heavily weighted toward primary residences. As of the fiscal year-end June 30, 2025, one- to four-family residential loans made up 79.4% of the entire loan portfolio. This segment represented $142.3 million of the total loans on that date.

Here's the quick math on the loan portfolio composition as of June 30, 2025, which shows where the lending focus was:

Loan Category	Amount (Millions USD)	Percentage of Total Portfolio
One- to Four-Family Residential	$142.3	79.4%
Multi-family	$16.4	N/A
Commercial Real Estate	$14.3	N/A

Regarding depositors, the pressure from the interest rate environment was clear. For the three months ended September 30, 2024, the interest expense on interest-bearing deposits rose significantly, partly due to an increased percentage of higher costing certificates of deposit in the portfolio. This coincided with an $8.9 million increase in the average balance of interest-bearing deposits during that same period.

The merger with Hometown Financial Group, which closed on October 31, 2025, created a specific segment of cash recipients. The total transaction value was approximately $44 million, with CFSB Bancorp shareholders receiving $14.25 in cash for every share they held. This event effectively converted the equity holders into a final cash distribution segment.

To give you a sense of the scale before the merger, the total assets stood at $364.5 million as of September 30, 2024, and the annual revenue for the fiscal year ending June 30, 2025, was reported at $7.61 million. Also, the company repurchased $495,000 of its own stock during the year ended June 30, 2025.

Post-merger, the subsidiary, Colonial Federal Savings Bank, was set to merge into North Shore Bank, forming a new entity with $3.3 billion in assets and 29 retail locations across the North Shore and South Shores of Massachusetts and southern New Hampshire.

Finance: draft the pro-forma balance sheet impact of the $44 million cash payout by Friday.

CFSB Bancorp, Inc. (CFSB) - Canvas Business Model: Cost Structure

You're looking at the expenses that keep Colonial Federal Savings Bank, the main asset of CFSB Bancorp, Inc., running through late 2025, right before the acquisition by Hometown Financial Group was set to finalize in the fourth quarter. Honestly, for a community bank, the cost structure is heavily weighted toward personnel and the cost of money.

The largest recurring cost component is definitely the Interest expense on customer deposits and borrowings. This reflects the competitive environment where customers are chasing higher yields. For the Fiscal Year 2025, which ended June 30, 2025, the Total Interest Expense hit $6.11 million. Breaking that down, Interest Paid on Deposits was $5.64 million, while Interest Paid on Borrowings, which includes Federal Home Loan Bank (FHLB) advances, accounted for $0.47 million. To be fair, this was a significant jump from the prior year, as evidenced by the Q1 FY2025 results where total interest expense had already increased by 70.2% year-over-year, driven by a $581,000 rise in interest expense on interest-bearing deposits alone.

Next up, you have the people costs. Salaries and employee benefits, including pension costs, were reported at $3.92 million for FY 2025. Personnel costs showed some fluctuation; for instance, in the quarter ending September 30, 2024, salaries and employee benefits rose by $66,000 sequentially, largely due to the increased cost of the pension plan. Conversely, in the quarter ending March 31, 2025, there was a sequential decrease of $180,000 following prior merit increases, and a year-over-year decrease of $79,000 primarily due to a reduction in pension costs. That's the quick math on managing a team through a transition period.

The physical footprint is relatively small, which keeps Occupancy and equipment costs manageable. For FY 2025, Occupancy Expenses were $0.97 million. CFSB Bancorp, Inc.'s subsidiary, Colonial Federal Savings Bank, operated from four locations: three full-service offices and one limited-service office in Quincy, Holbrook, and Weymouth, Massachusetts, before the merger. These costs saw minor quarterly bumps, such as a $26,000 increase in the quarter ending September 30, 2024, attributed to service contracts expense.

Keeping the lights on digitally requires investment in Data processing and technology expenses. While the FY 2025 annual total isn't isolated, quarterly trends show minor increases. For the three months ending September 30, 2024, data processing costs increased by $12,000 sequentially. For the six months ending December 31, 2024, there was a $12,000 increase in data processing fees compared to the prior year period.

Finally, you have the one-time, transaction-related costs. The definitive merger agreement with Hometown Financial Group was announced in May 2025, with an expected close in the fourth quarter of 2025. CFSB Bancorp, Inc. retained Luse Gorman, PC as legal counsel and Piper Sandler as its financial advisor for this deal. While the specific dollar amount for CFSB Bancorp, Inc.'s professional fees related to this merger for FY 2025 isn't explicitly itemized in the available reports, these advisory and legal costs represent a significant, non-recurring drain on non-interest expense leading up to the closing date.

Here is a snapshot of the key annual cost figures for CFSB Bancorp, Inc. for the fiscal year ending June 30, 2025 (all figures in millions USD):

Cost Component	FY 2025 Amount (Millions USD)	Notes
Total Interest Expense	$6.11	Primary cost driver, reflecting deposit competition.
Salaries and Employee Benefits	$3.92	Includes pension costs; subject to headcount changes.
Occupancy Expenses	$0.97	Covers four branch locations.
Interest Paid on Deposits	$5.64	The largest component of interest expense.
Interest Paid on Borrowings	$0.47	Includes FHLB advances.

You should keep an eye on how the integration costs-like those professional fees-will hit the final numbers for the period covering the merger close. Finance: draft the pro-forma expense model incorporating the Hometown Financial Group cost synergies by next Wednesday.

CFSB Bancorp, Inc. (CFSB) - Canvas Business Model: Revenue Streams

CFSB Bancorp, Inc.'s revenue streams are fundamentally anchored in traditional banking operations, primarily revolving around interest earned from its asset base, supplemented by non-interest fee income. For the fiscal year ending June 30, 2025, CFSB Bancorp, Inc. reported an annual revenue of $7.61 million.

The core of the revenue generation comes from net interest income from loans and securities. For the three months ended September 30, 2024 (part of FY2025), the net interest income, calculated on a fully tax-equivalent basis, was $1.7 million. This figure represented a decrease of 9.2% compared to the same period in the prior year, reflecting the pressure from elevated deposit costs.

Total interest income is derived from several sources. In the first quarter of fiscal year 2025 (three months ended September 30, 2024), total interest and dividend income saw a year-over-year increase of 17.4%, or $481,000. This growth was driven by higher yields across earning assets and changes in average balances. Here is a breakdown of the year-over-year dollar increases contributing to that total interest income growth for the quarter:

Revenue Component	Increase (Three Months Ended Sep 30, 2024 vs. Sep 30, 2023)
Interest and dividends on securities	$134,000
Interest on cash and short-term investments	$285,000
Interest and fees on loans	$62,000

The increase in interest on cash and short-term investments was supported by an increase in the average balance of cash and short-term investments by $23.0 million during the quarter. Specifically, the interest earned on cash and short-term investments rose to $330,000 for the three months ended September 30, 2024, up from $282,000 for the three months ended June 30, 2024. Conversely, the average balance of total loans decreased by $5.2 million over the same comparative periods.

Non-interest income, which includes service charges and fees, is a smaller component of the overall revenue picture for CFSB Bancorp, Inc. The company's revenue streams are heavily weighted toward the net interest margin, making fee income a secondary, though important, source of diversification. The financial reports available for the first quarter of fiscal year 2025 do not explicitly detail the total non-interest income amount, but they do highlight the components driving interest income changes.

You should note that the specific figure of $177.2 million for interest income from total loans was not substantiated in the latest available 2025 filings; instead, we see quarterly changes like the $62,000 increase in interest and fees on loans for Q1 FY2025.

The revenue streams for CFSB Bancorp, Inc. can be summarized by the primary drivers:

• Net Interest Income: The primary driver, though facing NIM compression.
• Interest on Cash: A growing contributor due to higher average balances.
• Interest on Securities: A component showing positive growth in yield.
• Interest and Fees on Loans: A smaller, but positive, contributor to interest income growth in Q1 FY2025.