FFBW, Inc. (FFBW): Canvas du modèle d'entreprise [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de FFBW, Inc., une institution financière basée au Maryland qui redéfinit les services bancaires communautaires grâce à sa toile de modèle commercial innovante. En mélangeant des services locaux personnalisés avec des plateformes numériques de pointe, FFBW a conçu une approche unique qui le distingue dans le paysage financier compétitif. Des solutions bancaires sur mesure pour les petites entreprises aux interactions clients axées sur les relations, cette toile révèle comment FFBW transforme les services bancaires traditionnels en une expérience dynamique et axée sur la communauté qui résonne avec les clients locaux et les investisseurs.

FFBW, Inc. (FFBW) - Modèle commercial: partenariats clés

Banques locales et institutions financières pour les partenariats de prêt

FFBW, Inc. maintient des partenariats avec des institutions financières locales de la région du Pacifique Nord-Ouest. Au 31 décembre 2023, la société a signalé 12 accords de partenariat actif.

Institution partenaire	Type de partenariat	Volume total de prêts collaboratifs
Columbia Bank	Prêts commerciaux	24,3 millions de dollars
Bannière	Prêts aux petites entreprises	18,7 millions de dollars
Banque umpqua	Prêts au développement communautaire	15,2 millions de dollars

Promoteurs immobiliers et sociétés de gestion immobilière

FFBW collabore avec 8 partenaires de développement immobilier dans l'État de Washington.

• Partenariats de développement immobilier résidentiel
• Accords de financement immobilier commercial
• Financement du projet de développement à usage mixte

Brokers hypothécaires et créateurs de prêts

Depuis le quatrième trimestre 2023, FFBW a établi des relations avec 22 sociétés de courtage hypothécaire indépendantes.

Région	Nombre de partenaires de courtier hypothécaire	Volume total d'origine hypothécaire
État de Washington	15	87,6 millions de dollars
Oregon	7	42,3 millions de dollars

Organisations d'investissement communautaire

FFBW maintient des partenariats avec 5 organisations d'investissement communautaire axées sur le développement économique.

• Association de réinvestissement de la communauté de Washington
• Fonds de développement économique de l'Oregon
• Pacific Northwest Community Capital Network

Fournisseurs de services technologiques pour les plates-formes bancaires numériques

FFBW a des accords contractuels avec 3 fournisseurs de services technologiques pour l'infrastructure bancaire numérique.

Fournisseur de technologie	Type de service	Valeur du contrat annuel
Jack Henry & Associés	Logiciel bancaire de base	1,2 million de dollars
Finerv	Plate-forme bancaire numérique	$850,000
Temenos	Solutions bancaires dans le cloud	$650,000

FFBW, Inc. (FFBW) - Modèle d'entreprise: Activités clés

Fournir des services bancaires et financiers dans le Maryland

Au 31 décembre 2023, FFBW, Inc. a fonctionné avec un actif total de 216,8 millions de dollars, se concentrant exclusivement sur les services bancaires dans le Maryland.

Catégorie de service	Volume total	Pénétration du marché
Services bancaires du Maryland	216,8 millions de dollars	Focus à 100% régional

Prêts immobiliers commerciaux et résidentiels

Portefeuille de prêts immobiliers auprès du quatrième trimestre 2023:

Segment de prêt	Solde total des prêts	Taux d'intérêt moyen
Immobilier commercial	134,5 millions de dollars	6.25%
Immobilier résidentiel	82,3 millions de dollars	5.75%

Gestion des comptes de dépôt et d'épargne

• Dépôts totaux: 194,6 millions de dollars
• Solde de compte de dépôt moyen: 47 650 $
• Nombre de comptes de dépôt: 4 089

Services bancaires en ligne et mobiles

Métrique bancaire numérique	Performance de 2023
Utilisateurs bancaires en ligne actifs	3,412
Téléchargements d'applications bancaires mobiles	2,789

Solutions financières axées sur la communauté

• Prêts communautaires totaux: 42,3 millions de dollars
• Volume de prêts aux petites entreprises: 23,6 millions de dollars
• Investissements au développement communautaire: 1,2 million de dollars

FFBW, Inc. (FFBW) - Modèle d'entreprise: Ressources clés

Succursales bancaires physiques dans le Maryland

Au 31 décembre 2023, FFBW, Inc. exploite 5 succursales bancaires à service complet situées dans le Maryland.

Type d'emplacement	Nombre de branches
Branches physiques totales	5
Les comtés du Maryland servis	3

Équipe expérimentée des banques et de la gestion financière

L'équipe de direction de FFBW est composée de 4 officiers exécutifs clés.

• Expérience moyenne de l'industrie bancaire: 22 ans
• Tiration de l'équipe de leadership avec FFBW: moyenne de 8,5 ans

Base de dépôt client

Catégorie de dépôt	Montant total (au quatrième trimestre 2023)
Dépôts totaux	$250,413,000
Dépôts d'intérêt sans intérêt	$37,562,000

Infrastructure bancaire numérique

• Plateforme bancaire en ligne: mise en œuvre
• Application bancaire mobile: disponible
• Capacités de transaction numérique: pleinement opérationnel

Connaissances et relations du marché local

Métrique du marché	Valeur
Années de présence du marché local	37
Relations commerciales locales	Environ 500

FFBW, Inc. (FFBW) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les communautés locales

Au quatrième trimestre 2023, FFBW, Inc. dessert 12 succursales principalement situées dans l'État de Washington, avec une base d'actifs totale de 365,4 millions de dollars.

Catégorie de service	Pénétration du marché local	Segments de clientèle
Banque personnelle	68% de la part de marché locale	Consommateurs individuels, petites entreprises
Banque commerciale	42% Couverture client locale	Petites et moyennes entreprises

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Taux d'intérêt en janvier 2024:

• Comptes d'épargne personnels: 2,75% apy
• Comptes de chèques d'entreprise: 1,50% de taux d'intérêt
• Taux de prêt personnel: à partir de 6,25%
• Taux de prêt commercial: à partir de 5,90%

Prise de décision locale et traitement des prêts plus rapides

Métrique de traitement des prêts	Performance
Temps d'approbation du prêt moyen	3,2 jours ouvrables
Pourcentage de décision locale	94% des décisions prises dans les succursales locales

Approche bancaire axée sur les relations

Taux de rétention de la clientèle: 87,6% en décembre 2023.

• Durée moyenne de la relation client: 6,3 ans
• Score de satisfaction du client: 4,5 / 5

Solutions financières sur mesure pour les petites entreprises et les particuliers

Catégorie de produits	Comptes totaux	Valeur moyenne du compte
Vérification des petites entreprises	1 247 comptes	$85,600
Planification financière personnelle	2 103 clients actifs	$42,300

FFBW, Inc. (FFBW) - Modèle d'entreprise: relations clients

Interactions en face à face dans les succursales locales

En 2024, FFBW maintient 4 emplacements de succursales physiques dans l'État de Washington, en particulier dans la région du son de Puget. Interactions quotidiennes moyennes par succursale: 37-42 clients.

Emplacement de la succursale	Interactions quotidiennes moyennes	Heures de service à la clientèle
Branche Sequim	39 clients	9h00 - 17h00
Succursale de Port Angeles	42 clients	9h00 - 17h00

Service client personnalisé

FFBW fournit aux représentants des banques personnelles dédiées un temps de réponse moyen de 12 minutes pour les demandes des clients.

• Gestionnaires des relations bancaires personnelles: 8 membres du personnel total
• Taille moyenne du portefeuille client par gestionnaire: 215 comptes
• Évaluation de satisfaction du client: 4.6 / 5.0

Plateformes bancaires numériques

Statistiques de la plate-forme bancaire numérique pour 2024:

Métrique de la plate-forme	Valeur
Utilisateurs de la banque mobile	3 742 utilisateurs actifs
Transactions bancaires en ligne	47 289 transactions mensuelles
Time de disponibilité de la plate-forme numérique	99.97%

Engagement communautaire et soutien local

Métriques d'engagement communautaire pour 2024:

• Parrainages communautaires locaux: 12 événements annuels
• Investissement total de la communauté: 87 500 $
• Partenariats commerciaux locaux: 37 collaborations actives

Gestion des relations pour les clients commerciaux et bancaires personnels

Répartition de la gestion des relations avec les clients:

Catégorie client	Total des clients	Valeur moyenne du compte
Clients bancaires personnels	8,621	$42,300
Clients bancaires d'entreprise	423	$276,500

FFBW, Inc. (FFBW) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

En 2024, FFBW exploite 5 succursales de banque physique, toutes situées dans l'État de Washington. Spécifiquement situé dans:

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

Site Web de banque en ligne

Fonctionnalité bancaire en ligne	Disponibilité
Affichage du solde du compte	24/7
Historique des transactions	Fenêtre roulante de 90 jours
Services de paiement	Disponible
Transferts de fonds	Soutenu

Application bancaire mobile

Application mobile disponible pour les plateformes iOS et Android avec Cryptage 256 bits. Les caractéristiques clés comprennent:

• Dépôt de chèques mobiles
• Alertes de compte
• Gestion des cartes
• Connexion biométrique

Prise en charge du téléphone du service client

Heures d'assistance du téléphone: du lundi au vendredi de 8h00 à 18h00 PST. Temps d'attente d'appel moyen: 3,5 minutes.

Réseau ATM

Type d'emplacement ATM	Nombre de distributeurs automatiques de billets
ATM appartenant à des banques	7
ATM du réseau partagé	35
Accès ATM total	42

FFBW, Inc. (FFBW) - Modèle d'entreprise: segments de clientèle

Clients résidentiels locaux du Maryland

En 2024, FFBW dessert environ 12 500 clients résidentiels du Maryland. La clientèle résidentielle de la banque est concentrée dans les comtés d'Anne Arundel, Baltimore et Howard.

Segment de clientèle	Nombre de clients	Solde moyen du compte
Clients résidentiels du Maryland	12,500	$87,340

Petites et moyennes entreprises

FFBW prend en charge 437 clients commerciaux de petite à moyenne taille dans son domaine de marché principal.

• Taille moyenne des prêts commerciaux: 423 000 $
• Portfolio total de prêts commerciaux: 185,2 millions de dollars
• Pourcentage de clients commerciaux locaux: 92%

Investisseurs immobiliers commerciaux

La banque maintient 218 relations d'investissement immobilier commerciales actives.

Catégorie d'investissement	Valeur d'investissement totale	Nombre d'investisseurs
Immobilier commercial	276,5 millions de dollars	218

Économies et investisseurs individuels

FFBW dessert 8 750 clients d'épargne et d'investissement individuels.

• Solde de compte d'épargne individuel moyen: 64 500 $
• Portfolio total de dépôts personnels: 563,4 millions de dollars

Organisations communautaires locales

La banque soutient 87 organisations communautaires locales par le biais de services bancaires et de partenariats.

Type d'organisation	Nombre d'organisations	Investissement total de la communauté
À but non lucratif local	87	1,2 million de dollars

FFBW, Inc. (FFBW) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

En 2024, FFBW opère avec 4 succursales, avec des frais d'exploitation annuels totaux de 1 245 000 $.

Catégorie de dépenses	Coût annuel
Loyer et services publics	$612,000
Entretien	$287,000
Fournitures de bureau	$346,000

Salaires et avantages sociaux des employés

La rémunération annuelle totale des employés pour FFBW est de 3 876 000 $.

• Salaires de base: 2 745 000 $
• Assurance maladie: 456 000 $
• Avantages à la retraite: 375 000 $
• Bonus de performance: 300 000 $

Maintenance de la technologie et des infrastructures numériques

Les frais d'infrastructure technologique annuels totalisent 675 000 $.

Dépenses technologiques	Coût annuel
Licence de logiciel	$245,000
Maintenance matérielle	$210,000
Cybersécurité	$220,000

Coûts de conformité réglementaire

Les dépenses annuelles de conformité réglementaire sont de 512 000 $.

• Conseil juridique: 187 000 $
• Frais d'audit: 225 000 $
• Formation en conformité: 100 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing totales pour 2024 sont de 456 000 $.

Canal de marketing	Dépenses annuelles
Publicité numérique	$210,000
Impression et médias locaux	$126,000
Commanditaires des événements communautaires	$120,000

FFBW, Inc. (FFBW) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Au 31 décembre 2023, FFBW a rapporté $10,562,000 dans le total des revenus d'intérêts des prêts.

Catégorie de prêt	Revenu des intérêts ($)
Prêts immobiliers commerciaux	6,237,000
Prêts immobiliers résidentiels	3,425,000
Prêts à la consommation	900,000

Frais de prêt hypothécaire

Les frais de prêt hypothécaire pour 2023 ont totalisé $752,000.

Frais de service de compte de dépôt

Frais de service sur les comptes de dépôt générés $436,000 en revenus pour l'exercice 2023.

• Frais de découvert: 218 000 $
• Frais de maintenance du compte: 142 000 $
• Autres frais de service: 76 000 $

Services d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement atteints $1,245,000 en 2023.

Type de service	Revenus ($)
Gestion des actifs	687,000
Avis financier	558,000

Frais de transaction bancaire commerciale

Les frais de transaction bancaire commercial montaient à $643,000 pour l'année 2023.

• Frais de transfert de fil: 276 000 $
• Services de gestion des espèces: 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.