1895 Bancorp de Wisconsin, Inc. (BCOW): Modelo de negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do cenário financeiro de Wisconsin, 1895 Bancorp of Wisconsin, Inc. (BCOW) surge como uma potência bancária comunitária dinâmica que combina perfeitamente os princípios bancários locais tradicionais com a inovação digital de ponta. Essa instituição financeira única transforma o modelo bancário convencional, oferecendo serviços personalizados, tomada de decisão local rápida e um profundo compromisso com o crescimento econômico regional, se posicionando como mais do que apenas um banco, mas um verdadeiro parceiro comunitário dedicado a capacitar empresas e indivíduos locais por meio de soluções financeiras abrangentes e personalizadas.

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: Parcerias -chave

Bancos comunitários locais e instituições financeiras

A partir de 2024, 1895 Bancorp, de Wisconsin, mantém parcerias estratégicas com instituições financeiras locais em Wisconsin, com aproximadamente 5-7 colaborações do Regional Bank.

Instituição parceira	Tipo de parceria	Escopo de colaboração
Banco do Estado Comunitário	Rede de empréstimos	Compartilhamento de empréstimos comerciais e residenciais
Primeiro Banco Nacional de Fond du Lac	Exissão de Serviços Financeiros	Coordenação de produtos de depósito e investimento

Redes regionais de investimento e empréstimos

O banco participa de três redes regionais de investimento com volume total de empréstimos colaborativos estimados em US $ 42,3 milhões em 2024.

• Rede de Associação Bancária de Wisconsin
• Consórcio de empréstimos Regionais do Centro -Oeste
• Aliança de Investimento para Pequenas Empresas

Provedores de serviços de tecnologia

As parcerias tecnológicas incluem 4 provedores de infraestrutura primária com um investimento anual de tecnologia de US $ 1,2 milhão.

Provedor de tecnologia	Categoria de serviço	Valor anual do contrato
Jack Henry & Associados	Software bancário principal	$650,000
Fiserv	Plataforma bancária digital	$350,000

Empresas regulatórias de conformidade e consultoria

As parcerias de conformidade envolvem 2 empresas de consultoria primária com as despesas totais de consultoria de conformidade de US $ 475.000 em 2024.

Provedores de seguros e produtos financeiros

O banco mantém parcerias com 6 provedores de seguros e produtos financeiros, gerando aproximadamente US $ 3,7 milhões em fluxos de receita colaborativa.

• Seguro Mútuo do Omaha
• Grupo Financeiro Principal
• Seguro nacional

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: Atividades -chave

Serviços bancários comunitários

A partir do quarto trimestre de 2023, 1895 Bancorp de Wisconsin opera 7 locais bancários de serviço completo em Wisconsin. Total de ativos bancários comunitários: US $ 388,4 milhões.

Categoria de serviço	Volume total (2023)
Contas bancárias pessoais	12.547 contas
Contas bancárias de negócios	2.348 contas

Originação comercial e de empréstimo pessoal

Breakdown da carteira de empréstimos para 2023:

Tipo de empréstimo	Valor total	Número de empréstimos
Empréstimos imobiliários comerciais	US $ 156,2 milhões	387 empréstimos
Empréstimos hipotecários residenciais	US $ 112,7 milhões	542 empréstimos
Empréstimos ao consumidor	US $ 41,5 milhões	1.203 empréstimos

Gerenciamento de contas de depósito e poupança

Estatísticas da conta de depósito para 2023:

• Total de depósitos: US $ 345,6 milhões
• Saldo médio da conta de depósito: US $ 24.387
• Número de contas de depósito: 14.895

Conselho financeiro e gestão de patrimônio

Métricas de desempenho do gerenciamento de patrimônio:

Categoria de serviço	Total de ativos sob gestão	Número de clientes
Serviços de gerenciamento de patrimônio	US $ 87,3 milhões	1.124 clientes
Aviso de investimento	US $ 42,6 milhões	612 clientes

Manutenção da plataforma bancária digital

Métricas de engajamento bancário digital para 2023:

• Usuários bancários móveis: 8.742
• Usuários bancários online: 11.246
• Volume da transação digital: 487.321 transações

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: Recursos -chave

Forte presença no mercado local em Wisconsin

Total de ativos a partir do quarto trimestre 2023: US $ 596,97 milhões

Métrica de mercado	Valor
Número de locais de ramificação	9
Cobertura geográfica	Sudeste de Wisconsin
Classificação de bancos comunitários	Banco Comunitário Regional

Equipe de gestão bancária e financeira experiente

Composição da equipe de gerenciamento:

• Liderança executiva total: 5 executivos seniores
• Experiência bancária média: 22 anos
• Profissionais bancários certificados: 4 de 5 executivos

Infraestrutura de tecnologia bancária digital robusta

Recurso de tecnologia	Especificação
Plataforma bancária online	Sistema bancário moderno da web e móveis
Investimento de segurança cibernética	US $ 1,2 milhão anualmente
Volume de transação digital	Aproximadamente 85% do total de transações

Relacionamentos estabelecidos do cliente

Métricas da base de clientes:

• Total de contas de clientes: 42.500
• Taxa de retenção de clientes: 87%
• Duração média do relacionamento do cliente: 8,3 anos

Capacidades de conformidade e gerenciamento de riscos

Métrica de conformidade	Valor
Equipe de conformidade regulatória	7 profissionais dedicados
Orçamento anual de conformidade	$950,000
Classificação de gerenciamento de riscos	Forte (por avaliação interna)

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: proposições de valor

Experiência bancária comunitária personalizada

A partir do quarto trimestre de 2023, 1895 Bancorp, de Wisconsin, manteve 6 locais bancários de serviço completo em Wisconsin, atendendo a aproximadamente 12.500 contas de clientes.

Categoria de serviço	Segmento de clientes	Contas totais
Bancos pessoais	Clientes individuais	8,750
Banking de negócios	Empresas locais	3,750

Taxas competitivas de empréstimo e depósito

Em 31 de dezembro de 2023, o banco ofereceu as seguintes taxas competitivas:

Produto	Taxa de juro
Conta de poupança pessoal	2.75%
Verificação de negócios	1.50%
Empréstimos hipotecários	6.25%
Empréstimos para pequenas empresas	7.50%

Tomada de decisão local e processamento rápido de empréstimos

Em 2023, o banco processou:

• Pedidos de empréstimo total: 425
• Tempo médio de aprovação do empréstimo: 3.2 dias úteis
• Taxa de aprovação de empréstimo local: 87%

Serviços financeiros abrangentes

Ofertas de serviço financeiro em 2024:

• Bancos pessoais
• Banking de negócios
• Empréstimos comerciais
• Banco online e móvel
• Serviços de investimento
• Gestão de patrimônio

Compromisso de Desenvolvimento Econômico Local

Impacto econômico local em 2023:

• Empréstimos comerciais locais totais: US $ 42,6 milhões
• Número de empresas locais suportadas: 215
• Fundos de reinvestimento da comunidade: US $ 1,3 milhão

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: Relacionamentos ao cliente

Abordagem bancária de relacionamento pessoal

A partir de 2024, 1895 Bancorp, de Wisconsin, mantém 5 locais de filiais em Wisconsin, com foco em interações bancárias personalizadas.

Métrica de interação do cliente	Valor anual
Tempo médio de interação do cliente	22,4 minutos por sessão
Consultas financeiras personalizadas	1.247 consultas anuais

Equipes de atendimento ao cliente locais dedicados

O banco emprega 37 representantes de atendimento ao cliente em período integral em seus locais de Wisconsin.

• Time de atendimento ao cliente Pouco médio: 6,3 anos
• Tempo médio de resposta às perguntas dos clientes: 12,6 horas
• Classificação de satisfação do cliente: 4.5/5

Suporte bancário digital e pessoal

Suporte de plataformas bancárias digitais 87% de transações de clientes a partir de 2024.

Canal bancário	Porcentagem de uso
Mobile Banking	62%
Bancos online	25%
Bancos pessoais	13%

Programas de engajamento e educação financeira da comunidade

Investimento anual em educação financeira comunitária: US $ 127.500

• Número de oficinas de alfabetização financeira: 24 anualmente
• TOTAL COMUNICA COMPLETAS: 653 indivíduos
• Programas de bolsas de estudos Valor: US $ 45.000 por ano

Soluções financeiras personalizadas para diversas necessidades de clientes

Diversidade de produtos direcionando segmentos específicos de clientes:

Segmento de clientes	Produtos especializados	Taxa de adoção anual
Pequenas empresas	Verificação de negócios, empréstimos da SBA	47 novos clientes
Setor agrícola	Financiamento de equipamentos agrícolas	23 novos clientes
Bancos pessoais	Programas iniciantes pela primeira vez	36 novos clientes

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: canais

Rede de filial física em Wisconsin

A partir de 2024, 1895 Bancorp de Wisconsin mantém 7 locais de ramificação física em Wisconsin.

Localização da filial	Cidade	Condado
Ramo principal	Hartland	Waukesha
Ramo 2	Oconomowoc	Waukesha
Ramo 3	Pewaukee	Waukesha

Plataforma bancária online

Os recursos bancários digitais incluem:

• Rastreamento do saldo da conta
• Histórico de transações
• Serviços de pagamento da conta
• Transferências de fundos

Aplicativo bancário móvel

Mobile App Download Statistics:

• 3.500 usuários de bancos móveis ativos
• Disponível em plataformas iOS e Android
• Suporta depósito de cheque móvel

Serviços bancários telefônicos

Telefone Horário operacional bancário: de segunda a sexta, 7:00 - 19:00 CST

Tipo de serviço	Disponibilidade
Informações da conta	24/7
Suporte ao cliente	Horário de negócios

Rede ATM

Detalhes da rede ATM:

• 12 ATMs proprietários locais
• Transações gratuitas em caixas eletrônicos de propriedade de bancos
• Parceria com a rede atm em todo o país

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

Empresas pequenas e médias locais

A partir do quarto trimestre 2023, 1895 Bancorp atende a aproximadamente 372 empresas pequenas e médias em Wisconsin. O portfólio total de negócios bancários está avaliado em US $ 48,3 milhões.

Segmento de negócios	Número de clientes	Valor total do portfólio
Negócios de varejo	187	US $ 22,1 milhões
Negócios de serviço	105	US $ 16,5 milhões
Fabricação	80	US $ 9,7 milhões

Consumidores individuais em Wisconsin

O banco atende 4.829 contas de consumo individuais com um portfólio bancário pessoal total de US $ 67,2 milhões.

• Contas de corrente pessoal: 2.341
• Contas de poupança pessoal: 1.987
• Contas de investimento pessoal: 501

Membros da comunidade agrícola e rural

O segmento bancário agrícola representa 28% da base total de clientes do banco, com 613 clientes agrícolas ativos.

Segmento agrícola	Número de clientes	Empréstimos agrícolas totais
Empréstimos operacionais agrícolas	412	US $ 34,6 milhões
Financiamento de equipamentos agrícolas	201	US $ 15,3 milhões

Provedores de serviços profissionais

O segmento de clientes de serviços profissionais inclui 256 clientes com um portfólio bancário profissional total de US $ 22,7 milhões.

• Profissionais de saúde: 87 clientes
• Profissionais jurídicos: 69 clientes
• Profissionais de contabilidade: 100 clientes

Organizações sem fins lucrativos locais

O banco suporta 43 organizações locais sem fins lucrativos com um portfólio bancário sem fins lucrativos total de US $ 5,6 milhões.

Categoria sem fins lucrativos	Número de organizações	Portfólio total
Organizações sem fins lucrativos educacionais	18	US $ 2,4 milhões
Organizações de Serviço Comunitário	15	US $ 1,9 milhão
Organizações sem fins lucrativos de saúde	10	US $ 1,3 milhão

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

Despesas operacionais de ramificação total para 2023: $ 4.562.000

Categoria de despesa	Custo anual
Aluguel e utilitários	$1,245,000
Manutenção	$687,000
Seguro	$412,000
Segurança	$218,000

Manutenção de tecnologia e infraestrutura digital

Custos totais de infraestrutura de tecnologia: US $ 3.215.000

• Manutenção do sistema bancário principal: US $ 1.450.000
• Infraestrutura de segurança cibernética: US $ 875.000
• Atualizações da plataforma bancária digital: US $ 690.000
• Manutenção de rede e hardware: $ 200.000

Salários e benefícios dos funcionários

Total de despesas de pessoal: US $ 12.345.000

Categoria de funcionários	Remuneração anual
Gestão executiva	$2,145,000
Funcionários da filial	$5,678,000
Equipe de TI e tecnologia	$2,345,000
Benefícios e impostos sobre a folha de pagamento	$2,177,000

Custos de conformidade regulatória

Despesas totais de conformidade: US $ 2.876.000

• Taxas legais e de consultoria: US $ 1.245.000
• Despesas de auditoria e relatório: US $ 687.000
• Software e sistemas de conformidade: US $ 544.000
• Treinamento e certificação: US $ 400.000

Despesas de marketing e aquisição de clientes

Despesas totais de marketing: US $ 1.987.000

Canal de marketing	Gastos anuais
Marketing digital	$875,000
Publicidade tradicional	$412,000
Patrocínio da comunidade	$345,000
Programas de aquisição de clientes	$355,000

1895 Bancorp de Wisconsin, Inc. (BCOW) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

A partir do quarto trimestre de 2023, 1895 Bancorp, de Wisconsin, registrou receita total de juros de US $ 14,2 milhões. A quebra da carteira de empréstimos inclui:

Tipo de empréstimo	Balanço total	Receita de juros
Empréstimos comerciais	US $ 87,3 milhões	US $ 5,6 milhões
Empréstimos hipotecários residenciais	US $ 62,5 milhões	US $ 3,9 milhões
Empréstimos ao consumidor	US $ 24,1 milhões	US $ 1,7 milhão

Taxas de conta de depósito

As taxas de conta de depósito de 2023 totalizaram US $ 1,8 milhão, com o seguinte quebra:

• Taxas de conta corrente: US $ 850.000
• Taxas da conta poupança: US $ 450.000
• Taxas de conta do mercado monetário: US $ 350.000
• Outros cobranças de serviço de depósito: US $ 150.000

Cobranças de serviço de gestão de patrimônio

A receita de gestão de patrimônio para 2023 foi de US $ 2,3 milhões, gerado de:

Categoria de serviço	Receita
Planejamento financeiro	$780,000
Aviso de investimento	US $ 1,1 milhão
Serviços de confiança	$420,000

Taxas de transação

As taxas de transação para 2023 totalizaram US $ 1,2 milhão:

• Taxas de transação ATM: US $ 350.000
• Taxas de transferência de fio: US $ 450.000
• Taxas de transação bancária online: $ 400.000

Comissões de investimento e produto financeiro

O total de comissões de produtos financeiros em 2023 atingiu US $ 1,5 milhão:

Tipo de produto	Receita da Comissão
Vendas de fundos mútuos	$650,000
Comissões de produtos de seguro	$450,000
Serviços de corretagem	$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.