1895 Bancorp de Wisconsin, Inc. (BCOW): Business Model Canvas [Jan-2025 Mis à jour]

Niché au cœur du paysage financier du Wisconsin, Bancorp de Wisconsin, Inc. (BCOW) 1895 apparaît comme une puissance bancaire communautaire dynamique qui mélange parfaitement les principes bancaires locaux traditionnels avec l'innovation numérique de pointe. Cette institution financière unique transforme le modèle bancaire conventionnel en offrant des services personnalisés, une prise de décision locale rapide et un engagement profond envers la croissance économique régionale, se positionnant comme plus qu'une simple banque, mais un véritable partenaire communautaire dédié à l'autonomisation des entreprises locales et des particuliers Grâce à des solutions financières complètes et adaptées.

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: partenariats clés

Banques communautaires locales et institutions financières

En 2024, 1895 Bancorp du Wisconsin entretient des partenariats stratégiques avec des institutions financières locales du Wisconsin, avec environ 5 à 7 collaborations bancaires régionales.

Institution partenaire	Type de partenariat	Portée de collaboration
Banque d'État communautaire	Réseau de prêt	Partage de prêts commerciaux et résidentiels
First National Bank of Fond du Lac	Exchange de services financiers	Coordination des produits de dépôt et d'investissement

Réseaux d'investissement régional et de prêt

La banque participe à 3 réseaux d'investissement régionaux avec un volume de prêt collaboratif total estimé à 42,3 millions de dollars en 2024.

• Réseau de l'Association bancaire du Wisconsin
• Consortium régional du Midwest
• Alliance d'investissement des petites entreprises

Fournisseurs de services technologiques

Les partenariats technologiques comprennent 4 fournisseurs d'infrastructures primaires avec un investissement technologique annuel de 1,2 million de dollars.

Fournisseur de technologie	Catégorie de service	Valeur du contrat annuel
Jack Henry & Associés	Logiciel bancaire de base	$650,000
Finerv	Plate-forme bancaire numérique	$350,000

Sociétés de conformité réglementaire et de conseil

Les partenariats de conformité impliquent 2 sociétés de conseil primaires avec des dépenses de conseil en conformité totales de 475 000 $ en 2024.

Fournisseurs de produits d'assurance et de produits financiers

La banque maintient des partenariats avec 6 fournisseurs d'assurance et de produits financiers, générant environ 3,7 millions de dollars de sources de revenus collaboratives.

• Mutual of Omaha Insurance
• Groupe financier principal
• Assurance à l'échelle nationale

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: activités clés

Services bancaires communautaires

Au quatrième trimestre 2023, 1895 Bancorp du Wisconsin exploite 7 sites bancaires à service complet dans le Wisconsin. Total des actifs bancaires communautaires: 388,4 millions de dollars.

Catégorie de service	Volume total (2023)
Comptes bancaires personnels	12 547 comptes
Comptes bancaires d'entreprise	2 348 comptes

Origination des prêts commerciaux et personnels

Répartition du portefeuille de prêts pour 2023:

Type de prêt	Valeur totale	Nombre de prêts
Prêts immobiliers commerciaux	156,2 millions de dollars	387 prêts
Prêts hypothécaires résidentiels	112,7 millions de dollars	542 prêts
Prêts à la consommation	41,5 millions de dollars	1 203 prêts

Gestion des comptes de dépôt et d'épargne

Statistiques du compte de dépôt pour 2023:

• Dépôts totaux: 345,6 millions de dollars
• Solde moyen du compte de dépôt: 24 387 $
• Nombre de comptes de dépôt: 14 895

Conseil financier et gestion de la patrimoine

Métriques de performance de la gestion de la patrimoine:

Catégorie de service	Total des actifs sous gestion	Nombre de clients
Services de gestion de la patrimoine	87,3 millions de dollars	1 124 clients
Avis d'investissement	42,6 millions de dollars	612 clients

Maintenance de la plate-forme bancaire numérique

Mesures d'engagement des banques numériques pour 2023:

• Utilisateurs de la banque mobile: 8 742
• Utilisateurs bancaires en ligne: 11 246
• Volume de transaction numérique: 487 321 transactions

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: Ressources clés

Forte présence du marché local dans le Wisconsin

Total des actifs auprès du quatrième trimestre 2023: 596,97 millions de dollars

Métrique du marché	Valeur
Nombre de succursales	9
Couverture géographique	Wisconsin du sud-est
Classement des banques communautaires	Banque communautaire régionale

Équipe expérimentée des banques et de la gestion financière

Composition de l'équipe de gestion:

• Leadership exécutif total: 5 cadres supérieurs
• Expérience bancaire moyenne: 22 ans
• Professionnels bancaires certifiés: 4 cadres sur 5

Infrastructure de technologie bancaire numérique robuste

Ressource technologique	Spécification
Plateforme bancaire en ligne	Système bancaire Web et mobile moderne
Investissement en cybersécurité	1,2 million de dollars par an
Volume de transaction numérique	Environ 85% du total des transactions

Relations clients établies

Métriques de la clientèle:

• Comptes clients totaux: 42 500
• Taux de rétention de la clientèle: 87%
• Durée moyenne de la relation client: 8,3 ans

Capacités de conformité et de gestion des risques

Métrique de conformité	Valeur
Personnel de conformité réglementaire	7 professionnels dévoués
Budget de conformité annuel	$950,000
Note de gestion des risques	Strong (par évaluation interne)

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: propositions de valeur

Expérience bancaire communautaire personnalisée

Au quatrième trimestre 2023, 1895 Bancorp du Wisconsin a maintenu 6 sites bancaires à service complet dans le Wisconsin, desservant environ 12 500 comptes clients.

Catégorie de service	Segment de clientèle	Comptes totaux
Banque personnelle	Clients individuels	8,750
Banque d'affaires	Entreprises locales	3,750

Taux de prêt et de dépôt compétitifs

Au 31 décembre 2023, la banque a offert les tarifs concurrentiels suivants:

Produit	Taux d'intérêt
Compte d'épargne personnelle	2.75%
Vérification des affaires	1.50%
Prêts hypothécaires	6.25%
Prêts aux petites entreprises	7.50%

Prise de décision locale et traitement rapide des prêts

En 2023, la banque a traité:

• Demandes de prêt total: 425
• Temps d'approbation du prêt moyen: 3,2 jours ouvrables
• Taux d'approbation des prêts locaux: 87%

Services financiers complets

Offres de services financiers à partir de 2024:

• Banque personnelle
• Banque d'affaires
• Prêts commerciaux
• Banque en ligne et mobile
• Services d'investissement
• Gestion de la richesse

Engagement de développement économique local

Impact économique local en 2023:

• Prêts commerciaux locaux totaux: 42,6 millions de dollars
• Nombre d'entreprises locales soutenues: 215
• Fonds de réinvestissement communautaire: 1,3 million de dollars

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: relations avec les clients

Approche bancaire des relations personnelles

En 2024, 1895 Bancorp du Wisconsin maintient 5 succursales à travers le Wisconsin, en se concentrant sur les interactions bancaires personnalisées.

Métrique d'interaction client	Valeur annuelle
Temps d'interaction du client moyen	22,4 minutes par session
Consultations financières personnalisées	1 247 consultations annuelles

Des équipes de service à la clientèle locales dédiées

La banque emploie 37 représentants du service à la clientèle à temps plein dans ses emplacements du Wisconsin.

• Tirure moyenne de l'équipe du service client: 6,3 ans
• Temps de réponse moyen aux demandes des clients: 12,6 heures
• Évaluation de satisfaction du client: 4.5 / 5

Support bancaire numérique et en personne

Prise en charge des plates-formes bancaires numériques 87% des transactions clients à partir de 2024.

Canal bancaire	Pourcentage d'utilisation
Banque mobile	62%
Banque en ligne	25%
Bancaire en personne	13%

Programmes d'engagement communautaire et d'éducation financière

Investissement annuel dans l'éducation financière communautaire: 127 500 $

• Nombre d'ateliers de littératie financière: 24 par an
• Total des participants à la communauté: 653 personnes
• Programmes de bourses Valeur: 45 000 $ par an

Solutions financières sur mesure pour divers besoins clients

Diversité des produits ciblant des segments de clients spécifiques:

Segment de clientèle	Produits spécialisés	Taux d'adoption annuel
Petite entreprise	Vérification des entreprises, prêts SBA	47 nouveaux clients
Secteur agricole	Financement de l'équipement agricole	23 nouveaux clients
Banque personnelle	Programmes des acheteurs de maison pour la première fois	36 nouveaux clients

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: canaux

Réseau de succursale physique dans le Wisconsin

En 2024, 1895 Bancorp du Wisconsin maintient 7 emplacements de succursales physiques à travers le Wisconsin.

Emplacement de la succursale	Ville	Comté
Branche principale	Hartland	Waukesha
Branche 2	Oconomowoc	Waukesha
Branche 3	Pewaukee	Waukesha

Plateforme bancaire en ligne

Les fonctionnalités bancaires numériques comprennent:

• Suivi du solde du compte
• Historique des transactions
• Services de paiement de factures
• Transferts de fonds

Application bancaire mobile

Statistiques de téléchargement de l'application mobile:

• 3 500 utilisateurs de banques mobiles actives
• Disponible sur les plateformes iOS et Android
• Prend en charge le dépôt de chèque mobile

Services bancaires téléphoniques

Heures opérationnelles des services bancaires du téléphone: du lundi au vendredi, de 7h00 - 19h00 CST

Type de service	Disponibilité
Informations sur le compte	24/7
Support client	Heures de bureau

Réseau ATM

Détails du réseau ATM:

• 12 emplacements ATM propriétaires
• Transactions gratuites dans les distributeurs automatiques de bancs bancaires
• Partenariat avec Nationwide ATM Network

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: segments de clientèle

Entreprises locales petites et moyennes

Depuis le quatrième trimestre 2023, 1895 Bancorp dessert environ 372 petites et moyennes entreprises du Wisconsin. Le portefeuille bancaire total des affaires est évalué à 48,3 millions de dollars.

Segment d'entreprise	Nombre de clients	Valeur totale du portefeuille
Commerces de détail	187	22,1 millions de dollars
Entreprises de services	105	16,5 millions de dollars
Fabrication	80	9,7 millions de dollars

Consommateurs individuels dans le Wisconsin

La banque dessert 4 829 comptes de consommation individuels avec un portefeuille bancaire personnel total de 67,2 millions de dollars.

• Comptes de chèques personnels: 2 341
• Comptes d'épargne personnels: 1 987
• Comptes d'investissement personnel: 501

Membres de la communauté agricole et rurale

Le segment bancaire agricole représente 28% de la clientèle totale de la banque, avec 613 clients agricoles actifs.

Segment agricole	Nombre de clients	Prêts agricoles totaux
Prêts opérationnels agricoles	412	34,6 millions de dollars
Financement de l'équipement agricole	201	15,3 millions de dollars

Fournisseurs de services professionnels

Le segment des clients des services professionnels comprend 256 clients avec un portefeuille bancaire professionnel total de 22,7 millions de dollars.

• Professionnels de la santé: 87 clients
• Professionnels juridiques: 69 clients
• Professionnels de la comptabilité: 100 clients

Organisations locales à but non lucratif

La banque soutient 43 organisations locales à but non lucratif avec un portefeuille bancaire à but non lucratif total de 5,6 millions de dollars.

Catégorie à but non lucratif	Nombre d'organisations	Portefeuille total
Organisations à but non lucratif éducatives	18	2,4 millions de dollars
Organisations de services communautaires	15	1,9 million de dollars
Organisation de santé à but non lucratif	10	1,3 million de dollars

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

Total des dépenses opérationnelles de la succursale pour 2023: 4 562 000 $

Catégorie de dépenses	Coût annuel
Loyer et services publics	$1,245,000
Entretien	$687,000
Assurance	$412,000
Sécurité	$218,000

Maintenance de la technologie et des infrastructures numériques

Coût total d'infrastructure technologique: 3 215 000 $

• Maintenance du système bancaire de base: 1 450 000 $
• Infrastructure de cybersécurité: 875 000 $
• Mises à niveau de la plate-forme bancaire numérique: 690 000 $
• Maintenance du réseau et du matériel: 200 000 $

Salaires et avantages sociaux des employés

Total des dépenses du personnel: 12 345 000 $

Catégorie des employés	Compensation annuelle
Direction	$2,145,000
Personnel de succursale	$5,678,000
Informatique et technologie	$2,345,000
Avantages et taxes sur la paie	$2,177,000

Coûts de conformité réglementaire

Dépenses de conformité totale: 2 876 000 $

• Frais juridiques et de consultation: 1 245 000 $
• Frais d'audit et de rapport: 687 000 $
• Logiciel et systèmes de conformité: 544 000 $
• Formation et certification: 400 000 $

Frais de marketing et d'acquisition des clients

Total des dépenses de marketing: 1 987 000 $

Canal de marketing	Dépenses annuelles
Marketing numérique	$875,000
Publicité traditionnelle	$412,000
Parrainages communautaires	$345,000
Programmes d'acquisition de clients	$355,000

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Au quatrième trimestre 2023, 1895 Bancorp du Wisconsin a déclaré des revenus d'intérêts totaux de 14,2 millions de dollars. La répartition du portefeuille de prêts comprend:

Type de prêt	Solde total	Revenu d'intérêt
Prêts commerciaux	87,3 millions de dollars	5,6 millions de dollars
Prêts hypothécaires résidentiels	62,5 millions de dollars	3,9 millions de dollars
Prêts à la consommation	24,1 millions de dollars	1,7 million de dollars

Frais de compte de dépôt

Les frais de compte de dépôt pour 2023 ont totalisé 1,8 million de dollars, avec la ventilation suivante:

• Frais de compte chèques: 850 000 $
• Frais de compte d'épargne: 450 000 $
• Frais de compte du marché monétaire: 350 000 $
• Autres frais de service de dépôt: 150 000 $

Frais de service de gestion de patrimoine

Les revenus de gestion de la patrimoine pour 2023 étaient de 2,3 millions de dollars, généré à partir de:

Catégorie de service	Revenu
Planification financière	$780,000
Avis d'investissement	1,1 million de dollars
Services de confiance	$420,000

Frais de transaction

Les frais de transaction pour 2023 s'élevaient à 1,2 million de dollars:

• Frais de transaction ATM: 350 000 $
• Frais de transfert de fil: 450 000 $
• Frais de transaction bancaire en ligne: 400 000 $

Commissions d'investissement et de produits financiers

Les commissions totales des produits financiers en 2023 ont atteint 1,5 million de dollars:

Type de produit	Revenus de commission
Ventes de fonds communs de placement	$650,000
Commissions de produits d'assurance	$450,000
Services de courtage	$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.