FFBW, Inc. (FFBW): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de FFBW, Inc., una institución financiera con sede en Maryland que redefine la banca comunitaria a través de su innovador lienzo de modelo de negocio. Al combinar servicios locales personalizados con plataformas digitales de vanguardia, FFBW ha creado un enfoque único que lo distingue en el panorama financiero competitivo. Desde soluciones bancarias personalizadas para pequeñas empresas hasta interacciones de clientes basadas en relaciones, este lienzo revela cómo FFBW transforma la banca tradicional en una experiencia dinámica y centrada en la comunidad que resuena tanto con clientes locales como con inversores.

FFBW, Inc. (FFBW) - Modelo de negocios: asociaciones clave

Bancos locales e instituciones financieras para las asociaciones de préstamos

FFBW, Inc. mantiene asociaciones con instituciones financieras locales en la región del noroeste del Pacífico. Al 31 de diciembre de 2023, la compañía reportó 12 acuerdos de asociación de préstamos activos.

Institución asociada	Tipo de asociación	Volumen total de préstamos colaborativos
Banco de columbia	Préstamo comercial	$ 24.3 millones
Banner	Préstamos para pequeñas empresas	$ 18.7 millones
Banco Umpqua	Préstamo de desarrollo comunitario	$ 15.2 millones

Desarrolladores inmobiliarios y empresas de administración de propiedades

FFBW colabora con 8 socios de desarrollo inmobiliario en el estado de Washington.

• Asociaciones de desarrollo de propiedades residenciales
• Acuerdos de financiamiento de bienes raíces comerciales
• Financiación del proyecto de desarrollo de uso mixto

Corredores hipotecarios y creadores de préstamos

A partir del cuarto trimestre de 2023, FFBW ha establecido relaciones con 22 empresas de corretaje hipotecario independientes.

Región	Número de socios de corredor de hipotecas	Volumen de origen de la hipoteca total
Estado de Washington	15	$ 87.6 millones
Oregón	7	$ 42.3 millones

Organizaciones de inversión comunitaria

FFBW mantiene asociaciones con 5 organizaciones de inversión comunitaria centradas en el desarrollo económico.

• Asociación de Reinversión Comunitaria de Washington
• Fondo de Desarrollo Económico de Oregón
• Pacific Northwest Community Capital Network

Proveedores de servicios de tecnología para plataformas de banca digital

FFBW tiene acuerdos contractuales con 3 proveedores de servicios de tecnología para infraestructura de banca digital.

Proveedor de tecnología	Tipo de servicio	Valor anual del contrato
Jack Henry & Asociado	Software bancario central	$ 1.2 millones
Fiserv	Plataforma de banca digital	$850,000
Temenos	Soluciones de banca en la nube	$650,000

FFBW, Inc. (FFBW) - Modelo de negocio: actividades clave

Proporcionar servicios bancarios y financieros en Maryland

Al 31 de diciembre de 2023, FFBW, Inc. operaba con activos totales de $ 216.8 millones, centrándose exclusivamente en los servicios bancarios en Maryland.

Categoría de servicio	Volumen total	Penetración del mercado
Servicios bancarios de Maryland	$ 216.8 millones	Enfoque 100% regional

Préstamos inmobiliarios comerciales y residenciales

Cartera de préstamos inmobiliarios a partir del cuarto trimestre 2023:

Segmento de préstamos	Saldo total del préstamo	Tasa de interés promedio
Inmobiliario comercial	$ 134.5 millones	6.25%
Inmobiliario residencial	$ 82.3 millones	5.75%

Gestión de cuentas de depósito y ahorro

• Depósitos totales: $ 194.6 millones
• Saldo promedio de la cuenta de depósito: $ 47,650
• Número de cuentas de depósito: 4,089

Servicios de banca en línea y móvil

Métrica de banca digital	2023 rendimiento
Usuarios bancarios en línea activos	3,412
Descargas de aplicaciones de banca móvil	2,789

Soluciones financieras centradas en la comunidad

• Préstamos comunitarios totales: $ 42.3 millones
• Volumen de préstamos para pequeñas empresas: $ 23.6 millones
• Inversiones de desarrollo comunitario: $ 1.2 millones

FFBW, Inc. (FFBW) - Modelo de negocios: recursos clave

Sucursales bancarias físicas en Maryland

Al 31 de diciembre de 2023, FFBW, Inc. opera 5 sucursales de Bank de servicio completo ubicados en Maryland.

Tipo de ubicación	Número de ramas
Ramas físicas totales	5
Condados de Maryland atendidos	3

Equipo de gestión bancaria y financiera experimentada

El equipo de gestión de FFBW consiste en 4 funcionarios ejecutivos clave.

• Experiencia de la industria bancaria promedio: 22 años
• Liderazgo en el equipo con FFBW: promedio de 8.5 años

Base de depósito de clientes

Categoría de depósito	Cantidad total (a partir del cuarto trimestre 2023)
Depósitos totales	$250,413,000
Depósitos de cojinete sin interés	$37,562,000

Infraestructura bancaria digital

• Plataforma bancaria en línea: implementada
• Aplicación de banca móvil: disponible
• Capacidades de transacción digital: totalmente operativo

Conocimiento y relaciones del mercado local

Métrico de mercado	Valor
Años de presencia del mercado local	37
Relaciones comerciales locales	Aproximadamente 500

FFBW, Inc. (FFBW) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, FFBW, Inc. atiende a 12 sucursales ubicadas principalmente en el estado de Washington, con una base de activos total de $ 365.4 millones.

Categoría de servicio	Penetración del mercado local	Segmentos de clientes
Banca personal	68% de la cuota de mercado local	Consumidores individuales, pequeñas empresas
Banca comercial	42% de cobertura de clientes comerciales locales	Empresas pequeñas a medianas

Tasas de interés competitivas sobre préstamos y depósitos

Tasas de interés a partir de enero de 2024:

• Cuentas de ahorro personal: 2.75% APY
• Cuentas corrientes de negocios: 1.50% de tasa de interés
• Tasas de préstamo personal: a partir del 6.25%
• Tasas de préstamo comercial: a partir del 5,90%

Toma de decisiones locales y procesamiento de préstamos más rápido

Métrica de procesamiento de préstamos	Actuación
Tiempo promedio de aprobación del préstamo	3.2 días hábiles
Porcentaje de decisión local	94% de las decisiones tomadas dentro de las ramas locales

Enfoque bancario impulsado por la relación

Tasa de retención de clientes: 87.6% a diciembre de 2023.

• Duración promedio de la relación con el cliente: 6.3 años
• Puntuación de satisfacción del cliente: 4.5/5

Soluciones financieras personalizadas para pequeñas empresas e individuos

Categoría de productos	Cuentas totales	Valor de cuenta promedio
Pequeño comprobación de empresas	1,247 cuentas	$85,600
Planificación financiera personal	2,103 clientes activos	$42,300

FFBW, Inc. (FFBW) - Modelo de negocios: relaciones con los clientes

Interacciones cara a cara en ramas locales

A partir de 2024, FFBW mantiene 4 ubicaciones de ramas físicas en el estado de Washington, específicamente en la región de Sound Puget. Interacciones diarias promedio de clientes por rama: 37-42 clientes.

Ubicación de la rama	Interacciones diarias promedio	Horario de servicio al cliente
Rama de Sequim	39 clientes	9:00 am - 5:00 pm
Rama de Port Angeles	42 clientes	9:00 am - 5:00 pm

Servicio al cliente personalizado

FFBW proporciona representantes de banca personal dedicados con un tiempo de respuesta promedio de 12 minutos para consultas de clientes.

• Gerentes de relaciones bancarias personales: 8 miembros del personal total
• Tamaño promedio de la cartera de clientes por administrador: 215 cuentas
• Calificación de satisfacción del cliente: 4.6/5.0

Plataformas de banca digital

Estadísticas de plataforma de banca digital para 2024:

Métrica de plataforma	Valor
Usuarios de banca móvil	3.742 usuarios activos
Transacciones bancarias en línea	47,289 transacciones mensuales
Tiempo de actividad de la plataforma digital	99.97%

Compromiso comunitario y apoyo local

Métricas de participación comunitaria para 2024:

• Patrocinios comunitarios locales: 12 eventos anuales
• Inversión comunitaria total: $ 87,500
• Asociaciones comerciales locales: 37 colaboraciones activas

Gestión de relaciones para clientes comerciales y bancarios personales

Desglose de la gestión de la relación con el cliente:

Categoría de cliente	Total de clientes	Valor de cuenta promedio
Clientes bancarios personales	8,621	$42,300
Clientes bancarios de negocios	423	$276,500

FFBW, Inc. (FFBW) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir de 2024, FFBW opera 5 ubicaciones de sucursales bancarias físicas, todas ubicadas en el estado de Washington. Específicamente situado en:

• Port Orchard, WA
• Bremerton, WA
• Poulsbo, WA
• Kingston, WA
• Silverdale, WA

Sitio web de banca en línea

Función bancaria en línea	Disponibilidad
Visión de saldo de la cuenta	24/7
Historial de transacciones	Ventana de rodadura de 90 días
Servicios de pago de facturas	Disponible
Transferencias de fondos	Compatible

Aplicación de banca móvil

Aplicación móvil disponible para plataformas iOS y Android con Cifrado de 256 bits. Las características clave incluyen:

• Depósito de cheque móvil
• Alertas de cuenta
• Gestión de tarjetas
• Inicio de sesión biométrico

Soporte telefónico de servicio al cliente

Horario de soporte telefónico: lunes a viernes de 8:00 a.m. a 6:00 p.m. PST. Tiempo de espera de llamada promedio: 3.5 minutos.

Red de cajeros automáticos

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Cajeros automáticos	7
ATM de red compartidos	35
Acceso total en cajero automático	42

FFBW, Inc. (FFBW) - Modelo de negocios: segmentos de clientes

Clientes residenciales locales de Maryland

A partir de 2024, FFBW atiende a aproximadamente 12.500 clientes residenciales en Maryland. La base de clientes residenciales del banco se concentra en los condados de Anne Arundel, Baltimore y Howard.

Segmento de clientes	Número de clientes	Saldo de cuenta promedio
Clientes residenciales de Maryland	12,500	$87,340

Empresas pequeñas a medianas

FFBW admite 437 clientes comerciales pequeños a medianos dentro de su área de mercado principal.

• Tamaño promedio del préstamo comercial: $ 423,000
• Cartera total de préstamos comerciales: $ 185.2 millones
• Porcentaje de clientes comerciales locales: 92%

Inversores inmobiliarios comerciales

El banco mantiene 218 relaciones activas de inversión inmobiliaria comerciales.

Categoría de inversión	Valor de inversión total	Número de inversores
Inmobiliario comercial	$ 276.5 millones	218

Ahorradores e inversores individuales

FFBW atiende a 8.750 clientes de ahorro e inversiones individuales.

• Saldo promedio de la cuenta de ahorro individual: $ 64,500
• Portafolio de depósito personal total: $ 563.4 millones

Organizaciones comunitarias locales

El banco apoya a 87 organizaciones comunitarias locales a través de servicios bancarios y asociaciones.

Tipo de organización	Número de organizaciones	Inversión comunitaria total
Organizaciones sin fines de lucro locales	87	$ 1.2 millones

FFBW, Inc. (FFBW) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir de 2024, FFBW opera con 4 ubicaciones de sucursales, con gastos operativos anuales totales de $ 1,245,000.

Categoría de gastos	Costo anual
Alquiler y servicios públicos	$612,000
Mantenimiento	$287,000
Material de oficina	$346,000

Salarios y beneficios de los empleados

La compensación anual total de empleados para FFBW es de $ 3,876,000.

• Salarios base: $ 2,745,000
• Seguro de salud: $ 456,000
• Beneficios de jubilación: $ 375,000
• Bonos de rendimiento: $ 300,000

Tecnología y mantenimiento de infraestructura digital

Los gastos anuales de infraestructura de tecnología totalizan $ 675,000.

Gasto tecnológico	Costo anual
Licencia de software	$245,000
Mantenimiento de hardware	$210,000
Ciberseguridad	$220,000

Costos de cumplimiento regulatorio

Los gastos anuales de cumplimiento regulatorio son de $ 512,000.

• Consultoría legal: $ 187,000
• Tarifas de auditoría: $ 225,000
• Capacitación de cumplimiento: $ 100,000

Gastos de marketing y adquisición de clientes

El gasto total de marketing para 2024 es de $ 456,000.

Canal de marketing	Gasto anual
Publicidad digital	$210,000
Impresión y medios locales	$126,000
Patrocinios de eventos comunitarios	$120,000

FFBW, Inc. (FFBW) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Al 31 de diciembre de 2023, FFBW informó $10,562,000 En ingresos de intereses totales de préstamos.

Categoría de préstamo	Ingresos de intereses ($)
Préstamos inmobiliarios comerciales	6,237,000
Préstamos inmobiliarios residenciales	3,425,000
Préstamos al consumo	900,000

Tarifas de préstamos hipotecarios

Las tarifas de préstamo hipotecario para 2023 totalizaron $752,000.

Cargos de servicio de cuentas de depósito

Cargos de servicio en cuentas de depósito generadas $436,000 en ingresos para el año fiscal 2023.

• Tarifas de sobregiro: $ 218,000
• Tarifas de mantenimiento de la cuenta: $ 142,000
• Otros cargos de servicio: $ 76,000

Servicios de inversión y gestión de patrimonio

Los ingresos de los servicios de inversión alcanzados $1,245,000 en 2023.

Tipo de servicio	Ingresos ($)
Gestión de activos	687,000
Aviso financiero	558,000

Tarifas de transacción bancaria comercial

Las tarifas de transacción bancaria comercial ascendieron a $643,000 para el año 2023.

• Tarifas de transferencia de cables: $ 276,000
• Servicios de gestión de efectivo: $ 367,000

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

FFBW, Inc. offers you a value proposition centered on comprehensive banking services delivered with a local touch. The core offering is full-service commercial and consumer banking offerings, provided through its subsidiary, First Federal Bank of Wisconsin, a federally chartered stock savings bank.

A key financial strength supporting this value proposition is the disciplined management of the balance sheet, which has resulted in a strong net interest margin (NIM) of 4.4% for the three months ended September 30, 2025.

The service model emphasizes a localized, community-focused relationship banking service. This focus is supported by the institution's stated goal to strengthen NIM through disciplined loan and deposit pricing and a focus on relationship opportunities.

Your access to capital needs is met through a range of diverse loan products: commercial, residential, and consumer offerings. The commitment to credit quality is evident, with the allowance for credit losses at September 30, 2025, standing at 1.25% of total loans, or $2.7 million.

For investors, the value is reflected in shareholder returns and capital strength. The company reported a high tangible book value per share of $16.42 as of September 30, 2025, based on 4,260,000 shares outstanding at that date. Furthermore, FFBW, Inc. announced a new share repurchase program of up to an additional $5,000,000 of common stock on August 11, 2025, signaling a commitment to enhancing shareholder value.

Here's a quick look at some of the financial metrics underpinning the current value proposition as of the end of Q3 2025:

Financial Metric	Value as of September 30, 2025
Net Interest Margin (NIM)	4.4%
Tangible Book Value Per Share	$16.42
Total Assets	$276.3 million
Net Income (Q3 2025)	$600,000
Allowance for Credit Losses to Total Loans	1.25%

The service delivery model supports this by focusing on:

• Full-service commercial banking access.
• Consumer banking solutions for individuals.
• Relationship-based service delivery.

The firm is actively managing its capital structure, having repurchased 48,000 shares under the new program as of November 10, 2025. This action directly supports the tangible book value proposition. Finance: draft 13-week cash view by Friday.

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

You're looking at how FFBW, Inc. connects with its clients and owners as of late 2025. The core strategy centers on a relationship-driven approach, supported by physical presence and digital tools.

The foundation of FFBW, Inc.'s customer interaction is its commitment to a personal, in-branch service model, which the CEO explicitly linked to a focus on relationship banking when announcing first quarter 2025 results. This model is delivered through First Federal Bank of Wisconsin's six branch locations servicing Waukesha and Milwaukee Counties in Wisconsin.

For commercial clients, FFBW, Inc. emphasizes dedicated support. The company noted in March 2025 that it had added to its commercial sales team in recent quarters and planned to further expand this team throughout 2025 to drive earnings and customer base growth. The CEO also mentioned a growing pipeline of new loans and relationship opportunities as of November 2025. This suggests a high-touch approach for commercial relationships, which is the definition of dedicated relationship managers.

Digital access is also part of the relationship mix, offering self-service options. The bank provides Online Services to its customers. While specific digital platform usage statistics aren't public, the existence of these services supports the overall customer access strategy.

The high-touch service model extends to key financial stakeholders through direct shareholder engagement. FFBW, Inc. actively manages its capital structure to enhance shareholder value, a clear form of relationship management with owners. The company announced a new share repurchase program on August 11, 2025, authorizing up to an additional $5,000,000 of common stock.

Here's a look at the shareholder engagement metrics around that time:

Metric	Date/Period End	Value
Shares Outstanding (Total)	March 31, 2025	4,608,469 shares
Shares Outstanding (Dilutive Wtd. Avg. excl. ESOP)	September 30, 2025	3,850,000 shares
Shares Outstanding (Total)	September 30, 2025	4,260,000 shares
New Share Repurchase Authorization	August 11, 2025	Up to $5,000,000
Shares Repurchased Under New Program (as of)	November 10, 2025	48,000 shares

The focus on relationship banking and commercial team expansion aligns with the stated goal of developing a bank-wide sales culture to expedite profitable growth. The tangible book value per share also reflects the impact of these capital actions:

• Tangible Book Value per Share at September 30, 2025: $16.42
• Tangible Book Value per Share at March 31, 2025: $15.85

The overall customer relationship strategy involves these key components:

• Focus on relationship banking culture
• Expansion of the commercial sales team in 2025
• Servicing customers across Waukesha and Milwaukee Counties
• Use of Online Services for customer access
• Active stock repurchase program to engage shareholders

Finance: draft 13-week cash view by Friday.

FFBW, Inc. (FFBW) - Canvas Business Model: Channels

FFBW, Inc. First Federal Bank of Wisconsin uses a mix of physical presence and digital tools to reach its customers in Waukesha and Milwaukee Counties, Wisconsin.

The physical footprint is anchored by its branch network, which services customers directly.

• Network of six physical branch locations in Wisconsin.
• Branch distribution: two in Waukesha, WI, three in Milwaukee, WI, and one in Brookfield, WI.

Digital channels support the physical locations, aiming for a seamless experience.

• Digital Banking includes online and mobile services for individuals and businesses.

For business clients, FFBW, Inc. deploys a dedicated sales force.

• Direct commercial sales team for business clients; the team was noted to be expanded in 2025.

Consumer convenience is addressed through access to cash withdrawal points.

• ATM network access for consumer convenience.

Shareholder communication flows through the Investor Relations section, which provides timely updates on financial performance and corporate actions.

Here's a look at some key metrics related to the company's structure and shareholder activity as of late 2025 reporting periods:

Channel Metric Category	Detail	Value as of Late 2025 Data Point
Physical Presence	Total Branch Locations	6
Investor Relations	Shares Outstanding (as of September 30, 2025)	4,260,000
Investor Relations	Tangible Book Value Per Share (as of September 30, 2025)	$16.42
Investor Relations	New Share Repurchase Program Amount Announced (August 11, 2025)	Up to $5,000,000
Commercial Lending Focus	Commercial Business Lending Portfolio (as of March 31, 2025)	$232.9 million

The commercial focus is clear in the loan book composition reported for the first quarter of 2025.

• Commercial loans comprised 80.1 percent of the loan portfolio by percentage as of September 30, 2024.
• Residential real estate loans comprised 19.9 percent of the loan portfolio as of September 30, 2024.

The company is actively managing its share count through repurchases.

• Shares repurchased under the new program as of November 10, 2025: 48,000 shares.

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

You're looking at the core customer base for FFBW, Inc. as of late 2025. This isn't just about who walks into a branch; it's about the specific economic activity the bank supports in its defined market.

The primary geographic focus for First Federal Bank of Wisconsin is clearly defined. They service customers across Waukesha and Milwaukee Counties in Wisconsin. You see this commitment in their physical footprint, operating through six branch locations within these counties.

The customer base is segmented by the type of banking relationship they maintain, which directly maps to the composition of their net loan portfolio, which stood at a decrease of $9.7 million, or 4.3%, from the end of 2024, totaling an unstated amount as of September 30, 2025, against total assets of $276.3 million.

For individuals and consumers, the bank offers a full suite of consumer banking services, including deposit accounts like checking, savings, money market, and health savings accounts, plus certificates of deposit. The deposit base, as of March 31, 2025, was substantial, with Deposits and escrow totaling $219,041 thousand. Consumer lending supports this segment with products like home equity lines of credit, auto loans, boat loans, RV loans, and loans secured by certificates of deposit.

The business and real estate segments represent the core of the lending activity. The CEO noted a focus on strengthening the net interest margin through disciplined loan pricing, suggesting an emphasis on relationship-based customers over purely transactional ones.

Here is a breakdown of the lending segments that define the commercial and real estate customer base:

Customer Segment Focus	Loan Product Examples	Portfolio Detail Context (as of Late 2025)
Residential Real Estate Owners (1-4 Family)	One- to four-family owner-occupied and investor-owned residential real estate loans	Part of the overall loan portfolio which saw a net decrease of 4.3% through Q3 2025
Small to Mid-Sized Businesses (C&I)	Commercial and Industrial loans	The CEO mentioned adding to the commercial sales team to increase the customer base in late 2024, a strategy likely continuing in 2025
Commercial Real Estate Developers	Multifamily residential real estate loans, Commercial real estate loans, Commercial development loans	These segments are key areas for relationship banking focus to drive profitable growth

The bank provides a variety of financial services to both individual and corporate customers. The overall credit quality remains tight, with Nonaccrual loans at $37,000, or just 0.02% of total loans, as of September 30, 2025. The Allowance for Credit Losses was $2.7 million at that date, representing 1.25% of total loans.

Finally, the retail investor base is a distinct segment, holding FFBW, Inc. common stock traded on OTCQX under the symbol FFBW. As of September 30, 2025, the market capitalization stood at $60.5M based on 4,260,000 shares outstanding and a stock price of $14.12.

The key customer types FFBW, Inc. serves include:

• Individuals and consumers in Waukesha and Milwaukee Counties, WI.
• Small to mid-sized businesses (Commercial and Industrial).
• Residential real estate owners and investors.
• Multifamily and commercial real estate developers.
• Retail investors holding FFBW common stock (OTCQX: FFBW).

The tangible book value per share for this investor segment was $16.42 at September 30, 2025. Finance: draft 13-week cash view by Friday.

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

You're looking at the cost side of FFBW, Inc.'s operations as of late 2025. For a bank like FFBW, Inc., the cost structure is heavily weighted toward funding costs and personnel, which is what the latest numbers from their third-quarter filings confirm.

Interest expense on deposits and borrowings (decreasing due to funding mix)

Interest expense has been trending down, which is a positive sign for the net interest margin. For the three months ended September 30, 2025, total interest expense was reported at $849,000. This represented a significant decrease of $443,000, or 34.3%, when compared to the $1.3 million expense recorded for the same period in 2024. This reduction stems directly from management's strategy: lower rates paid on core deposits and a reduced reliance on more expensive funding sources like alternative funding and certificates of deposit. To be fair, this cost management helped drive the net interest margin up to 4.4% for Q3 2025, compared to 3.7% at September 30, 2024.

Employee salaries and benefits (personnel expenses)

Personnel costs are a major, recurring expense. The increase in overall noninterest expense seen through 2025 has been explicitly linked to higher employee expenses. For instance, the noninterest expense for the three months ended September 30, 2025, which totaled $2.4 million, saw its increase primarily driven by higher employee expenses and consulting fees. This aligns with the CEO's comment in early 2025 about adding to the commercial sales team to drive growth. You can see the trend of rising personnel costs contributing to overall noninterest expense increases in the prior quarter as well.

Branch occupancy and operational expenses

FFBW, Inc. operates through six branch locations in Waukesha and Milwaukee Counties, Wisconsin. While specific 2025 figures for occupancy alone aren't broken out for the latest quarters, prior reporting indicated that occupancy and equipment expenses were a contributing factor to the rise in noninterest expense seen at the end of 2024. These fixed costs are a necessary part of maintaining their physical footprint and local service model.

Data processing and technology costs (increased in Q1 2025)

Technology is an area where costs have clearly moved up. For the first quarter of 2025, the increase in noninterest expense was attributed to both employee costs and data processing expenses. This mirrors the trend from the end of 2024, where data processing expenses were also cited as a driver for higher noninterest expense. The bank is investing in its tech stack, which shows up here.

Regulatory and compliance costs

Specific dollar amounts for regulatory and compliance costs are bundled within the broader noninterest expense category, and the search results don't isolate them for 2025. However, the results do note that management must consider potential impacts from changes in regulatory fees and capital requirements. Furthermore, credit quality factors dictated the reserve calculation, resulting in a negative credit loss provision of $80,000 for Q3 2025.

Here's a quick look at the key expense movements for the three months ended September 30, 2025, compared to the prior year period, showing where the money is going:

Expense Category	Period Ended Sept 30, 2025 Amount	Period Ended Sept 30, 2024 Amount	Change (QoQ)
Total Interest Expense	$849,000	$1.3 million	Decreased by $443,000 (34.3%)
Total Noninterest Expense	$2.4 million	$2.2 million	Increased by $235,000 (10.8%)

The components driving the Noninterest Expense increase in early 2025 included personnel and technology spending:

• Employee expenses (increased in Q3 2025)
• Data processing expenses (increased in Q1 2025)
• Occupancy and equipment expenses (contributed to Q4 2024 increase)

Finance: draft 13-week cash view by Friday.

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

You're looking at the core ways FFBW, Inc. brings in money as of late 2025. For a bank like FFBW, Inc., the revenue engine is all about the spread between what they earn on assets and what they pay on liabilities, plus fees for services.

The primary driver remains the Net Interest Income from loan portfolio. The focus here is on the Net Interest Margin (NIM), which management is actively working to strengthen through disciplined pricing. For the three months ended September 30, 2025, the NIM stood at 4.4%, up from 3.7% at September 30, 2024. This expansion suggests better pricing power or a favorable shift in the asset/liability mix, even as total interest-earning assets declined. The total interest and dividend income, which feeds into this, was $3.6 million for the three months ended September 30, 2025.

Here's a quick look at the income components we can quantify for that same quarter:

Revenue Component	Amount (Three Months Ended September 30, 2025)	Comparison to Prior Year Quarter
Total Interest and Dividend Income	$3.6 million	Decreased by 8.7% from $4.0 million
Noninterest Income	$246,000	Decreased by 2.4% from $252,000
Net Income	$600,000	A 15.8% decrease from $713,000 in Q3 2024

The Interest and dividend income from investment securities is bundled into the Total Interest and Dividend Income figure of $3.6 million. The decrease in this total income line item was attributed to a decline in interest-earning assets, which was partially offset by an increase in the yield on those assets.

For Noninterest income from service charges and fees, the total Noninterest Income was $246,000 for the period, down from $252,000 year-over-year. The decrease in noninterest income is due in part to a decline in service charges and other fees.

Regarding Income from commercial and consumer loan origination, while FFBW, Inc. is focused on a growing pipeline of new loans and relationship opportunities, a specific dollar amount for origination income is not explicitly itemized in the latest public release data for this period. The overall loan portfolio saw net loans decrease by $9.7 million, or 4.3%, from December 31, 2024, to September 30, 2025.

The final reported figure for the period is the bottom line:

• Net income of $600,000 for the three months ended September 30, 2025.

To be fair, the strength in the NIM to 4.4% shows the core lending business is generating more profit per dollar of assets than it was last year, even with a smaller asset base. Finance: draft 13-week cash view by Friday.