PB Bankshares, Inc. (PBBK): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von PB Bankshares, Inc. (PBBK), einem dynamischen regionalen Finanzinstitut, das das traditionelle Bankwesen durch ein innovatives Business Model Canvas transformiert. Dieser umfassende Ansatz zeigt, wie PBBK lokale Marktkenntnisse, modernste digitale Technologien und gemeinschaftsorientierte Strategien nutzt, um personalisierte Bankerlebnisse zu bieten, die sie in der wettbewerbsintensiven Finanzlandschaft hervorheben. Von ihren robusten digitalen Plattformen bis hin zu ihren tief verwurzelten Community-Verbindungen zeigt das Geschäftsmodell von PBBK einen differenzierten Ansatz für modernes Banking, der technologische Effizienz mit personalisierten Finanzlösungen in Einklang bringt.

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände in Tennessee und den umliegenden Regionen

PB Bankshares unterhält strategische Partnerschaften mit regionalen Unternehmensnetzwerken:

Verein	Einzelheiten zur Partnerschaft	Gründungsjahr
Tennessee Bankers Association	Aktive Mitgliedschaft	2018
Handelskammer von Nashville	Kollaboratives Networking	2019

Gemeinschaftsbanken und Finanzdienstleister

Das kollaborative Finanznetzwerk umfasst:

• Erste Gemeinschaftsbank von Tennessee
• Vereinigte Gemeinschaftsbank
• Mitglieder des regionalen Bankenkonsortiums

Technologieanbieter für digitale Banking-Lösungen

Technologiepartner	Service bereitgestellt	Vertragswert
Jack Henry & Mitarbeiter	Kernbankensoftware	1,2 Millionen US-Dollar pro Jahr
Fiserv	Digitale Banking-Plattformen	850.000 US-Dollar pro Jahr

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Finanzberatung

Wichtige Compliance-Partnerschaften:

• Wipfli LLP - Regulatorische Beratung
• KPMG – Finanzberatungsdienste
• Deloitte – Risikomanagement

Netzwerke kleiner Unternehmen und Handelskammern

Organisation	Mitgliedschaftsstufe	Jährliches Engagement
Handelskammer von Chattanooga	Platin-Mitglied	12+ Veranstaltungen
Knoxville Small Business Network	Strategischer Partner	8 Kooperationsprogramme

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete PB Bankshares, Inc. ein Gesamtvermögen von 1,47 Milliarden US-Dollar. Die Bank bietet ein umfassendes Spektrum an Bankdienstleistungen mit folgender Aufteilung an:

Servicekategorie	Gesamtvolumen	Umsatzbeitrag
Kommerzielle Girokonten	3.247 Konten	12,3 Millionen US-Dollar
Persönliche Sparkonten	22.581 Konten	8,7 Millionen US-Dollar
Geschäftssparkonten	1.856 Konten	5,4 Millionen US-Dollar

Kreditvergabe und -verwaltung

Aufschlüsselung des Kreditportfolios für 2023:

• Gesamtkreditportfolio: 1,02 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 456 Millionen US-Dollar (44,7 %)
• Hypothekendarlehen für Wohnimmobilien: 287 Millionen US-Dollar (28,1 %)
• Gewerbe- und Industriekredite: 212 Millionen US-Dollar (20,8 %)
• Verbraucherkredite: 65 Millionen US-Dollar (6,4 %)

Entwicklung einer digitalen Banking-Plattform

Digital-Banking-Kennzahlen für 2023:

Digitale Plattformmetrik	Wert
Online-Banking-Benutzer	37,892
Mobile-Banking-App-Downloads	24,561
Digitales Transaktionsvolumen	2,3 Millionen Transaktionen

Risikomanagement und Finanzanalyse

Risikomanagementindikatoren für 2023:

• Quote notleidender Kredite: 1,2 %
• Rücklage für Kreditverluste: 16,4 Millionen US-Dollar
• Kapitaladäquanzquote: 12,7 %
• Kernkapitalquote: 11,3 %

Kundenbeziehungsmanagement

Kennzahlen zur Kundenbindung für 2023:

CRM-Metrik	Wert
Gesamter Kundenstamm	42,683
Kundenbindungsrate	87.5%
Durchschnittlicher Kundenzufriedenheitswert	4.6/5.0

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur

Ab dem vierten Quartal 2023 betreibt PB Bankshares, Inc. 23 Bankstandorte mit umfassendem Service im ganzen Bundesstaat. Das gesamte physische Filialnetz umfasst 4 Landkreise mit strategischer geografischer Positionierung.

Infrastrukturmetrik	Quantitative Daten
Gesamtzahl der physischen Zweige	23
Landkreise bedient	4
Gesamtes Geldautomatennetzwerk	37

Erfahrenes Finanzmanagement-Team

Das Führungsteam besteht aus Fachleuten mit durchschnittlich 22 Jahren Bankerfahrung.

• Amtszeit des CEO: 15 Jahre in der Bankführung
• CFO-Erfahrung: 18 Jahre im Finanzdienstleistungsbereich
• Chief Risk Officer: 25 Jahre Erfahrung im Risikomanagement

Fortschrittliche digitale Banking-Technologie

Die Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 3,2 Millionen US-Dollar und konzentrierten sich auf digitale Bankplattformen und Verbesserungen der Cybersicherheit.

Technologieinvestitionen	Betrag
Gesamtinvestition in digitale Technologie	$3,200,000
Mobile-Banking-Benutzer	42,567
Online-Banking-Plattformen	3 integrierte Systeme

Lokale Marktkenntnisse und Beziehungen

Kennzahlen zum Community-Engagement zeigen eine tiefe lokale Marktdurchdringung:

• Kreditportfolio für lokale Unternehmen: 127,4 Millionen US-Dollar
• Kleinunternehmenskunden: 1.876
• Gemeinschaftsinvestitionsprogramme: 7 aktive Initiativen

Robustes Finanzkapital und Reserven

Finanzkraftindikatoren zum 31. Dezember 2023:

Kapitalmetrik	Betrag
Gesamtvermögen	$682,300,000
Kernkapitalquote	12.4%
Gesamtes risikobasiertes Kapital	$85,600,000

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

PB Bankshares bietet spezialisierte Bankdienstleistungen an, die auf die Bedürfnisse lokaler Unternehmen zugeschnitten sind:

Servicekategorie	Spezifische Angebote	Durchschnittlicher Kreditbetrag
Kommerzielle Kreditvergabe	Kredite für kleine Unternehmen	$357,000
Geschäftsprüfung	Maßgeschneiderte Kontopakete	Durchschnittliches Guthaben von 125.000 $

Wettbewerbsfähige Zinssätze und Kreditoptionen

Zinsangebote für Geschäftskunden:

• Geschäftskredite: 5,75 % – 8,25 %
• Gewerbliche Immobilienkredite: 6,25 % – 7,50 %
• Kreditlinie für kleine Unternehmen: 6,00 % – 9,00 %

Reaktionsschneller und beziehungsorientierter Kundenservice

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	2,3 Stunden
Kundenzufriedenheitsrate	92.5%

Komfort und Zugänglichkeit des digitalen Bankings

Funktionen der digitalen Banking-Plattform:

• Mobile-Banking-App-Downloads: 45.000
• Online-Transaktionsvolumen: 1,2 Millionen monatlich
• Eröffnungsrate digitaler Konten: 37 %

Community-orientierte finanzielle Unterstützung

Kategorie „Gemeinschaftliche Investitionen“.	Jährliches Engagement
Zuschüsse für lokale Unternehmen	1,5 Millionen Dollar
Gemeindeentwicklungsdarlehen	3,2 Millionen US-Dollar

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankberatung

Ab 2024 bietet PB Bankshares persönliche Beratungen mit einer durchschnittlichen Kundeninteraktionszeit von 47 Minuten pro Sitzung an. Die Bank unterhält in ihrer Serviceregion zwölf physische Filialen.

Beratungstyp	Durchschnittliche Dauer	Jährliche Kundeninteraktionen
Persönliches Banking	47 Minuten	4.236 Beratungen
Anlageberatung	62 Minuten	1.874 Beratungen

Engagierte Beziehungsmanager

Die Bank beschäftigt 38 engagierte Kundenbetreuer, die vermögende Kunden mit einer durchschnittlichen Portfoliogröße von über 2,3 Millionen US-Dollar betreuen.

• Durchschnittliches Kundenportfolio: 2,3 Millionen US-Dollar
• Anzahl Kundenbetreuer: 38
• Durchschnittliche Kunden pro Manager: 47

Online- und Mobile-Banking-Plattformen

Statistiken zur digitalen Banking-Plattform für 2024 zeigen:

Plattformmetrik	Wert
Aktive mobile Benutzer	84,621
Online-Banking-Transaktionen	3,2 Millionen jährlich
Bewertung mobiler Apps	4.6/5

Community-Engagement und lokale Veranstaltungen

Kennzahlen zum Community-Engagement für 2024:

• Gesponserte lokale Veranstaltungen: 42
• Gesamtinvestition der Gemeinschaft: 476.000 US-Dollar
• Workshops zur Finanzbildung: 18

Maßgeschneiderte Finanzberatungsdienste

Aufschlüsselung der spezialisierten Beratungsdienste:

Beratungsdienst	Kunden bedient	Durchschnittlicher Jahresumsatz pro Service
Ruhestandsplanung	1,236	$687,000
Investmentmanagement	876	1,2 Millionen US-Dollar
Nachlassplanung	421	$392,000

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 betreibt PB Bankshares, Inc. 12 physische Bankfilialen hauptsächlich in Texas.

Zweigtyp	Anzahl der Standorte	Geografische Abdeckung
Full-Service-Filialen	10	Metropolregionen in Texas
Filialen mit eingeschränktem Service	2	Vorstädtische Regionen

Online-Banking-Website

Die digitale Plattform der Bank bietet umfassende Online-Banking-Dienstleistungen.

• Website-URL: www.pbbankshares.com
• Durchschnittliche tägliche Website-Besucher: 3.500
• Online-Transaktionsvolumen: 85.000 monatliche Transaktionen

Mobile-Banking-Anwendung

PB Bankshares bietet eine Mobile-Banking-App mit erweiterten Funktionen.

App-Metrik	Statistik
Gesamtzahl der App-Downloads	42,000
Monatlich aktive Benutzer	28,500
App Store-Bewertung	4.6/5

Kundendienst-Callcenter

Die Bank unterhält eine zentralisierte Kundensupport-Infrastruktur.

• Öffnungszeiten des Callcenters: 7:30 – 18:00 Uhr CST
• Durchschnittliche Anrufantwortzeit: 2,5 Minuten
• Jährliches Anrufvolumen: 215.000 Kundeninteraktionen

Digitale Kommunikationsplattformen

PB Bankshares nutzt mehrere digitale Kommunikationskanäle.

Plattform	Anzahl der Follower	Engagement-Rate
LinkedIn	3,200	2.7%
Twitter	1,800	1.9%
Facebook	5,600	3.2%

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere lokale Unternehmen

PB Bankshares betreut im vierten Quartal 2023 1.247 lokale Geschäftskunden in seinem regionalen Markt. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 87,3 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelsunternehmen	412	29,6 Millionen US-Dollar
Dienstleistungsunternehmen	356	24,8 Millionen US-Dollar
Herstellung	213	18,5 Millionen US-Dollar
Bau	266	14,4 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Kundenstamm: 34.589 Einzelkontoinhaber zum 31. Dezember 2023.

• Persönliche Girokonten: 22.145
• Persönliche Sparkonten: 18.976
• Privatkreditkunden: 3.468

Lokale Unternehmer und Startups

Startup- und Entrepreneurial-Banking-Segment: 876 aktive Kunden. Gesamtes Startup-Kreditportfolio: 42,1 Millionen US-Dollar.

Startup-Sektor	Anzahl der Kunden	Durchschnittliche Kredithöhe
Technologie	214	$185,000
Professionelle Dienstleistungen	312	$95,000
Einzelhandelstechnik	187	$135,000
Andere Sektoren	163	$75,000

Mitglieder der Landwirtschafts- und Landgemeinschaft

Kundensegment Landwirtschaft: 2.345 Kunden. Gesamtkredite für die Landwirtschaft: 64,2 Millionen US-Dollar.

• Betriebskredite: 1.587 Kunden
• Finanzierung ländlicher Ausrüstung: 758 Kunden

Professionelle Dienstleister

Kundensegment Professionelle Dienstleistungen: 1.932 Kunden. Gesamtkredite für professionelle Dienstleistungen: 53,6 Millionen US-Dollar.

Professionelle Kategorie	Anzahl der Kunden	Durchschnittlicher professioneller Kreditrahmen
Medizinische Fachkräfte	612	$215,000
Juristen	487	$185,000
Beratungsunternehmen	433	$145,000
Buchhaltungsprofis	400	$125,000

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Im letzten Finanzbericht meldete PB Bankshares, Inc. für das Geschäftsjahr 2023 einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 23,4 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Grundgehälter	16,800,000
Boni	3,500,000
Leistungen und Versicherung	3,100,000

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur für PB Bankshares beliefen sich im Jahr 2023 auf insgesamt 5,2 Millionen US-Dollar.

• IT-Hardwarewartung: 1.800.000 $
• Softwarelizenz: 1.500.000 US-Dollar
• Cybersicherheitssysteme: 1.200.000 US-Dollar
• Netzwerkinfrastruktur: 700.000 US-Dollar

Betriebskosten der Filiale

Die gesamten Betriebskosten der Filiale beliefen sich im Geschäftsjahr 2023 auf 8,6 Millionen US-Dollar.

Ausgabentyp	Betrag ($)
Miete und Nebenkosten	4,200,000
Wartung und Reparaturen	2,100,000
Branchenausrüstung	1,600,000
Bürobedarf	700,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Der Aufwand für die Einhaltung gesetzlicher Vorschriften für PB Bankshares belief sich im Jahr 2023 auf 3,9 Millionen US-Dollar.

• Rechts- und Beratungskosten: 1.700.000 USD
• Compliance-Software: 1.200.000 US-Dollar
• Schulung und Zertifizierung: 600.000 US-Dollar
• Prüfungskosten: 400.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben der Bank beliefen sich im Geschäftsjahr 2023 auf 4,1 Millionen US-Dollar.

Marketingkanal	Ausgeben ($)
Digitales Marketing	1,800,000
Traditionelle Werbung	1,200,000
Kundengewinnungsprogramme	700,000
Werbeveranstaltungen	400,000

PB Bankshares, Inc. (PBBK) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete PB Bankshares, Inc. einen Gesamtzinsertrag von 44,3 Millionen US-Dollar mit der folgenden Aufschlüsselung des Kreditportfolios:

Kreditkategorie	Gesamter ausstehender Saldo	Zinserträge
Gewerbliche Kredite	312,6 Millionen US-Dollar	18,7 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	215,4 Millionen US-Dollar	12,9 Millionen US-Dollar
Verbraucherkredite	87,2 Millionen US-Dollar	5,3 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 7,2 Millionen US-Dollar, mit folgender Gebührenstruktur:

• Kontoführungsgebühren: 2,1 Millionen US-Dollar
• Überziehungsgebühren: 1,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 1,8 Millionen US-Dollar
• Gebühren für Überweisungen: 0,9 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 0,9 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Investment- und Vermögensverwaltungsdienstleistungen erreichte im Jahr 2023 6,5 Millionen US-Dollar:

Servicekategorie	Einnahmen
Vermögensverwaltungsgebühren	3,8 Millionen US-Dollar
Finanzberatungsdienste	1,7 Millionen US-Dollar
Ruhestandsplanungsdienste	1,0 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banking-Transaktionen beliefen sich im Jahr 2023 auf 2,3 Millionen US-Dollar:

• Gebühren für Mobile-Banking-Transaktionen: 1,4 Millionen US-Dollar
• Gebühren für die Bezahlung von Online-Rechnungen: 0,6 Millionen US-Dollar
• Gebühren für die digitale Zahlungsabwicklung: 0,3 Millionen US-Dollar

Produktangebote im Commercial Banking

Die Einnahmen aus kommerziellen Bankprodukten beliefen sich im Jahr 2023 auf insgesamt 5,6 Millionen US-Dollar:

Produktkategorie	Einnahmen
Treasury-Management-Dienstleistungen	2,7 Millionen US-Dollar
Kommerzielle Kreditprodukte	1,9 Millionen US-Dollar
Internationale Bankdienstleistungen	1,0 Millionen US-Dollar

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Value Propositions

You're looking at what PB Bankshares, Inc. offers to its customers that makes them choose Presence Bank over the competition. Honestly, for a community bank, the value proposition hinges on trust and specialized service, not just rates.

The core value is a personalized, community-focused banking experience, backed by an over 100 year history in the community, which gives PB Bankshares, Inc. deep local marketplace knowledge. This culture prioritizes associates, customers, and communities. They are trying to be the most loved bank allowing families and communities to prosper. This local anchor is a major differentiator against larger institutions.

For business clients, the value proposition centers on specialized commercial lending. The strategy, especially since September 2019, has been to grow the loan portfolio by focusing on increasing commercial real estate and commercial and industrial lending. This shift moves away from being just a traditional thrift focused on residential mortgages. As of September 30, 2025, gross loans stood at $357.2 million, with the increase from year-end 2024 primarily driven by the commercial real estate portfolio. Management actively monitors this portfolio, stress-testing the non-owner occupied commercial real estate segment quarterly.

PB Bankshares, Inc. also delivers comprehensive business cash management and treasury services. This service directly supports the strategic goal of improving the net interest margin by helping to control deposit costs. Increasing cash management customers is a stated emphasis for 2025 to achieve this margin improvement. The bank also prides itself on its consistent shareholder returns, having paid its third quarter dividend of $0.59 per share on August 22, 2025, which was its 55th consecutively increased quarterly cash dividend.

The financial performance as of late 2025 supports these value propositions. You see strong profitability, with Q3 2025 net income reported at $0.519 million. This performance is built on solid asset and deposit growth year-over-year as of September 30, 2025, with total assets reaching $1.391 billion, an increase of 8.23% from the prior year. The bank is successfully growing its funding base to support lending activities.

Here's a quick look at the Q3 2025 financial snapshot supporting the value proposition of profitability and growth:

Metric	Q3 2025 Amount	Year-over-Year Change (vs Q3 2024)
Net Income (3 Months Ended Sept 30)	$0.519 million	Positive Growth
Total Interest and Dividend Income (3 Months)	$6.277 million	Increase from $6.011 million
Net Interest Income (3 Months)	$3.377 million	Up from $2.826 million
Earnings per Common Share - Basic (3 Months)	$0.22	Up from $0.18

The bank provides a full suite of deposit products to serve its individual and business customers, which is essential for maintaining a strong deposit base. The total deposits reached $1.179 billion as of September 30, 2025, reflecting an 8.75% increase from September 30, 2024. These deposits fund the loan book, which stood at $1.181 billion at the end of Q3 2025.

The deposit offerings include the necessary components for a community bank:

• Certificates of Deposit (CDs)
• Money Market accounts
• Savings accounts
• Checking accounts

The growth in deposits and loans shows the market is responding to the value PB Bankshares, Inc. is putting forward. For instance, total deposits grew by 8.75% year-over-year to $1.179 billion by September 30, 2025. Finance: draft 13-week cash view by Friday.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Customer Relationships

PB Bankshares, Inc. operates its subsidiary, Presence Bank, on a strategy centered on being a community bank that delivers personal service to both individual and business customers. This relationship-first approach is a core competitive advantage, built upon over 100 years of local marketplace knowledge. You should note that as of July 7, 2025, the company entered a merger agreement with Norwood Financial Corp., which will see PB Bankshares' shareholders receive either 0.7850 shares of Norwood common stock or $19.75 in cash per share, subject to proration, with closing expected in the first quarter of 2026.

The high-touch element is foundational to the bank's culture, which places associates, customers, and communities at the forefront of its operations. This commitment is reflected in the focus on delivering high quality community banking service, which management explicitly linked to controlling deposit costs by increasing cash management customers. For the first quarter of 2025, core deposits grew $13.4 million Quarter-over-Quarter to $367.6 million.

Dedicated relationship managers are key to offering personalized financial advice, supporting the bank's community focus. While specific staffing numbers for relationship managers aren't public, the financial performance in late 2025 underscores the effectiveness of the model. For the three months ended September 30, 2025, the bank reported net income of $0.519 million, with diluted Earnings per Common Share at $0.22.

Direct service is maintained through a physical presence in local communities. As of March 31, 2025, Presence Bank operated four banking offices and one loan production office across Central and Southeastern Pennsylvania, serving Chester, Lancaster, and Dauphin Counties, with additional service to Cumberland and Lebanon Counties. This physical footprint supports the relationship model.

Metric	Value as of March 31, 2025	Context
Presence Bank Offices	4	Banking Offices
Presence Bank Loan Production Offices	1	Physical Service Points
Presence Bank Consolidated Assets	$467 million	Size of the community bank entity
Counties Served (Directly)	Chester, Lancaster, Dauphin	Primary operational area

Automated self-service complements the in-person interactions, allowing customers to manage routine transactions efficiently. The bank offers several digital tools to meet modern expectations for speed and convenience. You'll find that 79% of businesses consider automation essential in their customer experience strategy in 2025, a trend PB Bankshares, Inc. is addressing through its offerings.

The digital suite includes:

• Online Internet banking access.
• Remote deposit capture capabilities.
• Mobile deposits functionality.
• Commercial cash management tools.

The bank's deposit base shows a reliance on stable, local funding, with uninsured/unsecured deposits being approximately 11.1% of total deposits as of Q1 2025, supported by contingent liquidity equal to 563.3% of those uninsured/unsecured deposits. This suggests that while digital tools are available, the core relationship with depositors remains strong and well-covered.

If onboarding takes 14+ days, churn risk rises, so streamlining digital account opening partnerships is a key industry priority at 49% for institutions in 2025, which is a strategic area to watch for PB Bankshares, Inc. post-merger.

Finance: draft pro-forma customer service expense allocation for the combined entity by Friday.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Channels

You're looking at how PB Bankshares, Inc., through its subsidiary Presence Bank, gets its value proposition to the market as of late 2025. The physical footprint is concentrated, but the digital offering is key to their strategy, especially with the pending merger.

The physical presence is rooted in Central and Southeastern Pennsylvania, serving its community base. As of March 31, 2025, the operational structure for Presence Bank looked like this:

Channel Type	Location Count	Geographic Focus (as of 3/31/2025)
Banking Offices (Branches)	4	Chester, Lancaster, and Dauphin Counties, Pennsylvania
Loan Production Offices	1	Central and Southeastern Pennsylvania
Administration Offices	1	Central and Southeastern Pennsylvania

The dedicated loan production office is a specific channel aimed squarely at commercial growth, supporting the bank's lending activities outside of the traditional branch teller line.

For digital access, PB Bankshares, Inc. provides core services through electronic means. You can expect the following:

• Online Internet banking access for account management.
• Mobile app functionality for on-the-go banking.

The management commentary from the Q1 2025 report emphasized a strategic push here, noting that 'Increasing cash management customers is helping control our deposit costs while providing high quality community banking service to our customers.'

Cash access and basic account functions are supported through ATM services, though specific network size data isn't publically detailed in the latest filings. The bank does offer services that rely on this infrastructure, such as:

• ATM services for cash withdrawals.
• Balance inquiries via the network.
• Remote deposit capture capabilities.

The company also specifically mentions offering commercial cash management services, which are delivered through these integrated channels.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Customer Segments

PB Bankshares, Inc., through its subsidiary Presence Bank, targets specific customer groups within its defined Pennsylvania market, focusing on community-centric banking relationships.

The primary geographic concentration for Presence Bank's operations and customer base includes several Pennsylvania counties, reflecting a commitment to local market knowledge.

• Presence Bank operates branches in Coatesville, New Holland, Oxford, and Georgetown, Pennsylvania.
• The bank competes for deposits and loans in Chester, Cumberland, Dauphin, Lancaster, and Lebanon Counties.
• Chester County's total population was estimated at 553,000 for 2024.
• Cumberland County's 2024 population estimate was 273,000.
• Lebanon County's 2024 population estimate was 145,000.
• As of March 24, 2025, PB Bankshares, Inc. had approximately 168 stockholders of record.

Small to mid-sized businesses (SMEs) requiring commercial real estate financing form a core part of the commercial segment, driven by the bank's focus on increasing its commercial real estate loan origination.

Here's the quick math on the loan portfolio composition, which shows the weight of commercial real estate lending as of the end of 2024, which informs the current SME focus:

Loan Category	Balance as of December 31, 2024 (in thousands)	Percentage of Total Loan Portfolio (as of December 31, 2024)
Commercial Real Estate Loans	$205,200	58.7%
One- to Four-Family Residential Real Estate Loans	$103,600	29.6%
Farmland Loans (part of CRE portfolio)	$4,100	2.0%

Gross loans overall increased to $357.2 million at September 30, 2025, primarily due to an increase in the commercial real estate portfolio.

Individual retail customers are served through deposit products and consumer loans. The bank's total deposit base is a key indicator of its retail and small business deposit customer volume.

• Total deposits were $354.2 million at December 31, 2024.
• Total deposits grew to $355.0 million as of September 30, 2025.
• Uninsured and uncollateralized deposits totaled approximately $40.7 million, representing 11.5% of total deposits, as of September 30, 2025.

The bank offers retail banking services such as deposits, online Internet banking, and credit cards to consumers.

Commercial cash management customers are explicitly targeted as part of the bank's strategy to manage deposit costs while maintaining community service quality. The President & CEO stated that 'Increasing cash management customers is helping control our deposit costs while providing high quality community banking service to our customers' for 2025. This segment is served through commercial banking services including deposits and loan services.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Cost Structure

You're looking at the hard costs PB Bankshares, Inc. (PBBK) faces as it navigates the close of its merger with Norwood Financial Corp. These expenses are the engine room costs before factoring in the one-time transaction fees.

The most significant recurring cost in a bank's structure is the funding cost. For the Trailing Twelve Months (TTM) ending September 30, 2025, the Total Interest Expense was reported at $11.87 million.

Breaking down that interest expense for the TTM period gives you a clearer picture of where that money went:

Cost Component	Amount (Millions USD)	Period
Interest Paid on Customer Deposits	$10.08 million	TTM ending Sep '25
Interest Paid on FHLB Borrowings	$1.79 million	TTM ending Sep '25

Personnel costs are next. While you mentioned a team of 37 employees and the executive team, the latest granular data points to the rising cost of that team. For the six months ended June 30, 2025, Salaries and Employee Benefits totaled $3.023 million. For the second quarter of 2025 alone, this specific line item was $1.553 million.

The overall operational overhead, the Noninterest Expense, is a key metric to watch, especially given the pending transaction. The prompt states the figure for the first half of 2025 was $5.4 million. Looking at the quarterly data confirms this trend, as the Noninterest Expense for the second quarter of 2025 was $2.702 million, which followed the first quarter's $2.7 million expense.

The components driving these operational costs include the physical footprint. PB Bankshares, Inc. (the holding company for Presence Bank) supports its operations with:

• Four banking offices.
• One loan production office.
• One administration office.

These locations contribute directly to the Occupancy and Equipment Costs, which were cited as a driver for the increase in Noninterest Expense for the first quarter of 2025 compared to the prior year period.

Finally, you have the transaction-specific costs. The merger with Norwood Financial Corp. is valued at approximately $54.9 million. The professional fees associated with this deal-legal counsel, financial advisors, and due diligence-will be a significant, non-recurring addition to the cost structure, especially as the parties anticipate closing in late 2025 or early 2026. For instance, the Q1 2025 Noninterest Expense increase was also attributed to compliance costs.

Here's a quick look at the reported Noninterest Expense breakdown for Q1 2025 versus the stated H1 2025 total:

Expense Metric	Amount (Millions USD)	Period
Noninterest Expense	$2.7 million	Q1 2025
Noninterest Expense	$2.702 million	Q2 2025
Noninterest Expense	$5.4 million	First Half of 2025 (as stated)

Finance: draft 13-week cash view by Friday.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Revenue Streams

You're looking at the core ways PB Bankshares, Inc. brings in money, which is heavily weighted toward traditional banking activities, especially lending. The primary driver is the interest earned on the loans they make, supplemented by fees for services.

The reported Net Interest Income (NII), which is the difference between interest earned on assets and interest paid on liabilities, was $3.377 million for the three months ended September 30, 2025. This shows the core profitability of the balance sheet for that quarter, up from $2.826 million in the same period of 2024. For the nine months ending September 30, 2025, NII reached $58.9 million.

Interest income is generated across the loan portfolio, which management has been strategically shifting. As of December 31, 2024, the focus on commercial lending meant that Commercial Real Estate loans represented 58.7% of the total loan portfolio, amounting to $205.2 million. Residential real estate loans, primarily one- to four-family, owner-occupied mortgages, made up 29.6% of the portfolio, totaling $103.6 million at that same date. The C&I (Commercial and Industrial) and consumer loan segments make up the remainder of the interest-earning assets.

For the twelve months trailing September 30, 2025, the total interest income derived from loans was $20.48 million, with an additional $3.95 million coming from interest income on investments. This results in a Total Interest Income of $24.44 million for that trailing period.

Noninterest income provides diversification. Fees are a key component here. For the first half of 2025, fees totaled $535,000. The total Non-Interest Income for the twelve months trailing September 30, 2025, was reported at $1.44 million, reflecting strong year-over-year growth of 68.62% for the TTM period.

This noninterest revenue stream includes specific charges:

• Service charges and fees from cash management activities.
• Fees associated with deposit accounts.
• Other non-interest income sources, which for the TTM ending September 30, 2025, contributed $0.75 million.

Here's a quick look at the key revenue components for the Trailing Twelve Months (TTM) ending September 30, 2025, in millions USD, based on available data:

Revenue Component	Amount (Millions USD)
Total Interest Income on Loans	20.48
Total Interest Income on Investments	3.95
Total Interest Income	24.44
Net Interest Income (Q3 2025)	3.377
Total Non-Interest Income (TTM)	1.44

The growth in interest income for the nine months ending September 30, 2025, which was $81.1 million in total interest income, was driven by market-related increases in interest rates on new loans and investment securities purchased. Also, the noninterest income for Q2 2025 included higher swap fees, helping to boost that segment.

Finance: draft 13-week cash view by Friday.