1895 Bancorp de Wisconsin, Inc. (BCOW): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del paisaje financiero de Wisconsin, 1895 Bancorp of Wisconsin, Inc. (BCOW) surge como una potencia de banca comunitaria dinámica que combina perfectamente los principios bancarios locales tradicionales con innovación digital de vanguardia. Esta institución financiera única transforma el modelo bancario convencional al ofrecer servicios personalizados, una rápida toma de decisiones locales y un profundo compromiso con el crecimiento económico regional, posicionándose como algo más que un banco, pero un verdadero socio comunitario dedicado a empoderar a las empresas e individuos locales. a través de soluciones financieras integrales y personalizadas.

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocios: asociaciones clave

Bancos comunitarios locales e instituciones financieras

A partir de 2024, 1895 Bancorp of Wisconsin mantiene asociaciones estratégicas con instituciones financieras locales en Wisconsin, con aproximadamente 5-7 colaboraciones bancarias regionales.

Institución asociada	Tipo de asociación	Alcance de colaboración
Banco de Estado Comunitario	Red de préstamos	Compartir préstamos comerciales y residenciales
Primer Banco Nacional de Fond du Lac	Intercambio de servicios financieros	Coordinación de productos de depósito e inversión

Redes regionales de inversión y préstamo

El banco participa en 3 redes de inversión regionales con un volumen total de préstamos colaborativos estimados en $ 42.3 millones en 2024.

• Red de la Asociación Bancaria de Wisconsin
• Consorcio de préstamos regionales del Medio Oeste
• Alianza de inversión de pequeñas empresas

Proveedores de servicios de tecnología

Las asociaciones tecnológicas incluyen 4 proveedores de infraestructura primarios con una inversión tecnológica anual de $ 1.2 millones.

Proveedor de tecnología	Categoría de servicio	Valor anual del contrato
Jack Henry & Asociado	Software bancario central	$650,000
Fiserv	Plataforma de banca digital	$350,000

Cumplimiento regulatorio y empresas de asesoramiento

Las asociaciones de cumplimiento involucran 2 firmas de asesoramiento primario con gastos de consultoría de cumplimiento total de $ 475,000 en 2024.

Proveedores de productos y productos financieros

El banco mantiene asociaciones con 6 proveedores de productos de seguros y financieros, generando aproximadamente $ 3.7 millones en fuentes de ingresos colaborativos.

• Mutual de seguros de Omaha
• Grupo financiero principal
• Seguro nacional

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocio: actividades clave

Servicios de banca comunitaria

A partir del cuarto trimestre de 2023, 1895 Bancorp of Wisconsin opera 7 ubicaciones de banca de servicio completo en Wisconsin. Activos bancarios comunitarios totales: $ 388.4 millones.

Categoría de servicio	Volumen total (2023)
Cuentas bancarias personales	12,547 cuentas
Cuentas bancarias de negocios	2,348 cuentas

Originación de préstamos comerciales y personales

Desglose de la cartera de préstamos para 2023:

Tipo de préstamo	Valor total	Número de préstamos
Préstamos inmobiliarios comerciales	$ 156.2 millones	387 préstamos
Préstamos hipotecarios residenciales	$ 112.7 millones	542 préstamos
Préstamos al consumo	$ 41.5 millones	1,203 préstamos

Gestión de cuentas de depósito y ahorro

Estadísticas de la cuenta de depósito para 2023:

• Depósitos totales: $ 345.6 millones
• Saldo promedio de la cuenta de depósito: $ 24,387
• Número de cuentas de depósito: 14,895

Asesoramiento financiero y gestión de patrimonio

Métricas de rendimiento de gestión de patrimonio:

Categoría de servicio	Activos totales bajo administración	Número de clientes
Servicios de gestión de patrimonio	$ 87.3 millones	1.124 clientes
Aviso de inversión	$ 42.6 millones	612 clientes

Mantenimiento de la plataforma de banca digital

Métricas de participación bancaria digital para 2023:

• Usuarios de banca móvil: 8,742
• Usuarios bancarios en línea: 11,246
• Volumen de transacción digital: 487,321 transacciones

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocio: recursos clave

Fuerte presencia del mercado local en Wisconsin

Activos totales a partir del cuarto trimestre 2023: $ 596.97 millones

Métrico de mercado	Valor
Número de ubicaciones de sucursales	9
Cobertura geográfica	Sureste de Wisconsin
Clasificación bancaria comunitaria	Banco comunitario regional

Equipo de gestión bancaria y financiera experimentada

Composición del equipo de gestión:

• Liderazgo ejecutivo total: 5 ejecutivos altos
• Experiencia bancaria promedio: 22 años
• Profesionales bancarios certificados: 4 de 5 ejecutivos

Infraestructura robusta de tecnología de banca digital

Recurso tecnológico	Especificación
Plataforma bancaria en línea	Sistema moderno de banca web y móvil
Inversión de ciberseguridad	$ 1.2 millones anualmente
Volumen de transacción digital	Aproximadamente el 85% de las transacciones totales

Relaciones establecidas de clientes

Métricas de la base de clientes:

• Cuentas totales de clientes: 42,500
• Tasa de retención de clientes: 87%
• Duración promedio de la relación con el cliente: 8.3 años

Capacidades de cumplimiento y gestión de riesgos

Métrico de cumplimiento	Valor
Personal de cumplimiento regulatorio	7 profesionales dedicados
Presupuesto anual de cumplimiento	$950,000
Calificación de gestión de riesgos	Fuerte (por evaluación interna)

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocio: propuestas de valor

Experiencia bancaria comunitaria personalizada

A partir del cuarto trimestre de 2023, 1895 Bancorp of Wisconsin mantuvo 6 ubicaciones de banca de servicio completo en Wisconsin, atendiendo aproximadamente 12,500 cuentas de clientes.

Categoría de servicio	Segmento de clientes	Cuentas totales
Banca personal	Clientes individuales	8,750
Banca de negocios	Empresas locales	3,750

Tasas competitivas de préstamos y depósitos

Al 31 de diciembre de 2023, el banco ofreció las siguientes tarifas competitivas:

Producto	Tasa de interés
Cuenta de ahorro personal	2.75%
Verificación de negocios	1.50%
Préstamos hipotecarios	6.25%
Préstamos para pequeñas empresas	7.50%

Toma de decisiones locales y procesamiento rápido de préstamos

En 2023, el banco procesó:

• Solicitudes totales de préstamos: 425
• Tiempo promedio de aprobación del préstamo: 3.2 días hábiles
• Tasa de aprobación de préstamos locales: 87%

Servicios financieros integrales

Ofertas de servicios financieros a partir de 2024:

• Banca personal
• Banca de negocios
• Préstamo comercial
• Banca en línea y móvil
• Servicios de inversión
• Gestión de patrimonio

Compromiso de desarrollo económico local

Impacto económico local en 2023:

• Préstamos comerciales locales totales: $ 42.6 millones
• Número de empresas locales respaldadas: 215
• Fondos de reinversión comunitaria: $ 1.3 millones

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocios: relaciones con los clientes

Enfoque bancario de relaciones personales

A partir de 2024, 1895 Bancorp of Wisconsin mantiene 5 ubicaciones de sucursales en Wisconsin, centrándose en interacciones bancarias personalizadas.

Métrica de interacción del cliente	Valor anual
Tiempo promedio de interacción con el cliente	22.4 minutos por sesión
Consultas financieras personalizadas	1.247 consultas anuales

Equipos de servicio al cliente locales dedicados

El banco emplea a 37 representantes de servicio al cliente a tiempo completo en sus ubicaciones de Wisconsin.

• Equipo de servicio al cliente Ligura promedio: 6.3 años
• Tiempo de respuesta promedio a las consultas de los clientes: 12.6 horas
• Calificación de satisfacción del cliente: 4.5/5

Soporte bancario digital y en persona

Soporte de plataformas de banca digital 87% de transacciones de clientes a partir de 2024.

Canal bancario	Porcentaje de uso
Banca móvil	62%
Banca en línea	25%
Banca en persona	13%

Programas de participación comunitaria y educación financiera

Inversión anual en educación financiera comunitaria: $ 127,500

• Número de talleres de educación financiera: 24 anualmente
• Participantes de la comunidad total: 653 individuos
• Valor de programas de becas: $ 45,000 por año

Soluciones financieras personalizadas para diversas necesidades del cliente

Diversidad de productos dirigida a segmentos específicos de clientes:

Segmento de clientes	Productos especializados	Tasa de adopción anual
Pequeño negocio	Comprobación de negocios, préstamos de SBA	47 nuevos clientes
Sector agrícola	Financiación de equipos agrícolas	23 nuevos clientes
Banca personal	Programas de comprador de vivienda por primera vez	36 nuevos clientes

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocio: canales

Red de sucursales físicas en Wisconsin

A partir de 2024, 1895 Bancorp of Wisconsin mantiene 7 ubicaciones de ramas físicas a través de Wisconsin.

Ubicación de la rama	Ciudad	Condado
Rama principal	Hartland	Waukesha
Rama 2	Oconomowoc	Waukesha
Rama 3	Pewaukee	Waukesha

Plataforma bancaria en línea

Las características bancarias digitales incluyen:

• Seguimiento del saldo de la cuenta
• Historial de transacciones
• Servicios de pago de facturas
• Transferencias de fondos

Aplicación de banca móvil

Estadísticas de descarga de la aplicación móvil:

• 3.500 usuarios de banca móvil activa
• Disponible en plataformas iOS y Android
• Admite depósito de cheques móviles

Servicios de banca telefónica

Teléfono Banca Horario: de lunes a viernes de 7:00 a.m. a 7:00 p.m. CST

Tipo de servicio	Disponibilidad
Información de la cuenta	24/7
Soporte al cliente	Horario comercial

Red de cajeros automáticos

Detalles de la red de cajeros automáticos:

• 12 ubicaciones de cajeros automáticos patentados
• Transacciones gratuitas en cajeros automáticos de propiedad del banco
• Asociación con Nationwide ATM Network

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocio: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, 1895 Bancorp sirve aproximadamente 372 empresas pequeñas a medianas en Wisconsin. La cartera de banca comercial total está valorada en $ 48.3 millones.

Segmento de negocios	Número de clientes	Valor total de la cartera
Negocios minoristas	187	$ 22.1 millones
Empresas de servicios	105	$ 16.5 millones
Fabricación	80	$ 9.7 millones

Consumidores individuales en Wisconsin

El banco atiende a 4,829 cuentas de consumidores individuales con una cartera bancaria personal total de $ 67.2 millones.

• Cuentas corrientes personales: 2,341
• Cuentas de ahorro personal: 1.987
• Cuentas de inversión personal: 501

Miembros de la comunidad agrícola y rural

El segmento de banca agrícola representa el 28% de la base total de clientes del banco, con 613 clientes agrícolas activos.

Segmento agrícola	Número de clientes	Préstamos agrícolas totales
Préstamos operativos agrícolas	412	$ 34.6 millones
Financiación de equipos agrícolas	201	$ 15.3 millones

Proveedores de servicios profesionales

El segmento de clientes de servicios profesionales incluye 256 clientes con una cartera bancaria profesional total de $ 22.7 millones.

• Profesionales de la salud: 87 clientes
• Profesionales legales: 69 clientes
• Profesionales de contabilidad: 100 clientes

Organizaciones locales sin fines de lucro

El banco apoya a 43 organizaciones locales sin fines de lucro con una cartera bancaria sin fines de lucro total de $ 5.6 millones.

Categoría sin fines de lucro	Número de organizaciones	Cartera total
Organizaciones sin fines de lucro	18	$ 2.4 millones
Organizaciones de servicio comunitario	15	$ 1.9 millones
Sin fines de lucro de atención médica	10	$ 1.3 millones

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

Gastos operativos de la sucursal total para 2023: $ 4,562,000

Categoría de gastos	Costo anual
Alquiler y servicios públicos	$1,245,000
Mantenimiento	$687,000
Seguro	$412,000
Seguridad	$218,000

Tecnología y mantenimiento de infraestructura digital

Costos de infraestructura de tecnología total: $ 3,215,000

• Mantenimiento del sistema bancario central: $ 1,450,000
• Infraestructura de ciberseguridad: $ 875,000
• Actualizaciones de la plataforma de banca digital: $ 690,000
• Mantenimiento de la red y el hardware: $ 200,000

Salarios y beneficios de los empleados

Gastos totales de personal: $ 12,345,000

Categoría de empleado	Compensación anual
Gestión ejecutiva	$2,145,000
Rama	$5,678,000
Personal de TI y tecnología	$2,345,000
Beneficios e impuestos sobre la nómina	$2,177,000

Costos de cumplimiento regulatorio

Gastos de cumplimiento total: $ 2,876,000

• Tarifas legales y de consultoría: $ 1,245,000
• Gastos de auditoría e informes: $ 687,000
• Software y sistemas de cumplimiento: $ 544,000
• Capacitación y certificación: $ 400,000

Gastos de marketing y adquisición de clientes

Gastos de marketing total: $ 1,987,000

Canal de marketing	Gasto anual
Marketing digital	$875,000
Publicidad tradicional	$412,000
Patrocinios comunitarios	$345,000
Programas de adquisición de clientes	$355,000

1895 Bancorp of Wisconsin, Inc. (BCOW) - Modelo de negocios: Freve de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del cuarto trimestre de 2023, 1895 Bancorp of Wisconsin reportó ingresos por intereses totales de $ 14.2 millones. El desglose de la cartera de préstamos incluye:

Tipo de préstamo	Saldo total	Ingresos por intereses
Préstamos comerciales	$ 87.3 millones	$ 5.6 millones
Préstamos hipotecarios residenciales	$ 62.5 millones	$ 3.9 millones
Préstamos al consumo	$ 24.1 millones	$ 1.7 millones

Tarifas de cuenta de depósito

Las tarifas de la cuenta de depósito para 2023 totalizaron $ 1.8 millones, con el siguiente desglose:

• Tarifas de la cuenta corriente: $ 850,000
• Tarifas de la cuenta de ahorro: $ 450,000
• Tarifas de la cuenta del mercado monetario: $ 350,000
• Otros cargos por servicio de depósito: $ 150,000

Cargos de servicio de gestión de patrimonio

Los ingresos por gestión de patrimonio para 2023 fueron de $ 2.3 millones, Generado a partir de:

Categoría de servicio	Ganancia
Planificación financiera	$780,000
Aviso de inversión	$ 1.1 millones
Servicios de confianza	$420,000

Tarifas de transacción

Las tarifas de transacción para 2023 ascendieron a $ 1.2 millones:

• Tarifas de transacción de cajeros automáticos: $ 350,000
• Tarifas de transferencia de cables: $ 450,000
• Tarifas de transacción bancaria en línea: $ 400,000

Inversión y comisiones de productos financieros

Las comisiones totales de los productos financieros en 2023 alcanzaron los $ 1.5 millones:

Tipo de producto	Ingresos por comisión
Ventas de fondos mutuos	$650,000
Comisiones de productos de seguro	$450,000
Servicios de corretaje	$400,000

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

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

Local, community-focused banking with personalized service

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

Full suite of deposit products for individuals and small businesses

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

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

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

Digital convenience via online and mobile banking, including Bill Capture

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

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

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

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

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

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

Personal, relationship-based service model at branch level

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

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

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

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

Dedicated Treasury Management services for business clients

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

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

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

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

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

Standardized digital self-service for routine transactions

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

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

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

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

Finance: draft 13-week cash view by Friday.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Finance: draft 13-week cash view by Friday.