FFBW, Inc. (FFBW): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da FFBW, Inc., uma instituição financeira de Maryland que está redefinindo o banco comunitário por meio de sua inovadora tela de modelo de negócios. Ao misturar serviços locais personalizados com plataformas digitais de ponta, a FFBW criou uma abordagem única que a diferencia no cenário financeiro competitivo. Desde soluções bancárias personalizadas para pequenas empresas até interações com clientes orientadas por relacionamento, essa tela revela como o FFBW transforma o banco tradicional em uma experiência dinâmica centrada na comunidade que ressoa com clientes e investidores locais.

FFBW, Inc. (FFBW) - Modelo de negócios: Parcerias -chave

Bancos locais e instituições financeiras para parcerias de empréstimos

A FFBW, Inc. mantém parcerias com instituições financeiras locais na região noroeste do Pacífico. Em 31 de dezembro de 2023, a empresa registrou 12 acordos de parceria de empréstimos ativos.

Instituição parceira	Tipo de parceria	Volume total de empréstimos colaborativos
Banco de Columbia	Empréstimos comerciais	US $ 24,3 milhões
Banner Bank	Empréstimos para pequenas empresas	US $ 18,7 milhões
Banco Umpqua	Empréstimos para desenvolvimento comunitário	US $ 15,2 milhões

Recomendações imobiliárias e empresas de gerenciamento de propriedades

A FFBW colabora com 8 parceiros de desenvolvimento imobiliário no estado de Washington.

• Parcerias de Desenvolvimento de Propriedades Residenciais
• Acordos de financiamento imobiliário comercial
• Financiamento do projeto de desenvolvimento de uso misto

Corretores hipotecários e criadores de empréstimos

A partir do quarto trimestre 2023, o FFBW estabeleceu relacionamentos com 22 corretor de hipoteca independente.

Região	Número de parceiros de corretores hipotecários	Volume total de originação hipotecária
Estado de Washington	15	US $ 87,6 milhões
Oregon	7	US $ 42,3 milhões

Organizações de investimento comunitário

A FFBW mantém parcerias com 5 organizações de investimento comunitário focadas no desenvolvimento econômico.

• Associação de Reinvestimento da Comunidade de Washington
• Fundo de Desenvolvimento Econômico de Oregon
• Pacific Northwest Community Capital Network

Provedores de serviços de tecnologia para plataformas bancárias digitais

A FFBW possui acordos contratuais com 3 provedores de serviços de tecnologia para infraestrutura bancária digital.

Provedor de tecnologia	Tipo de serviço	Valor anual do contrato
Jack Henry & Associados	Software bancário principal	US $ 1,2 milhão
Fiserv	Plataforma bancária digital	$850,000
Temenos	Soluções bancárias em nuvem	$650,000

FFBW, Inc. (FFBW) - Modelo de negócios: Atividades -chave

Fornecendo serviços bancários e financeiros em Maryland

Em 31 de dezembro de 2023, a FFBW, Inc. operava com ativos totais de US $ 216,8 milhões, concentrando -se exclusivamente em serviços bancários em Maryland.

Categoria de serviço	Volume total	Penetração de mercado
Serviços bancários de Maryland	US $ 216,8 milhões	Foco 100% regional

Empréstimos imobiliários comerciais e residenciais

Portfólio de empréstimos imobiliários a partir do quarto trimestre 2023:

Segmento de empréstimo	Saldo total de empréstimo	Taxa de juros média
Imóveis comerciais	US $ 134,5 milhões	6.25%
Imóveis residenciais	US $ 82,3 milhões	5.75%

Gerenciamento de contas de depósito e poupança

• Total de depósitos: US $ 194,6 milhões
• Saldo médio da conta de depósito: US $ 47.650
• Número de contas de depósito: 4.089

Serviços bancários online e móveis

Métrica bancária digital	2023 desempenho
Usuários bancários online ativos	3,412
Downloads de aplicativos bancários móveis	2,789

Soluções financeiras focadas na comunidade

• Empréstimos da comunidade total: US $ 42,3 milhões
• Volume de empréstimos para pequenas empresas: US $ 23,6 milhões
• Investimentos de desenvolvimento comunitário: US $ 1,2 milhão

FFBW, Inc. (FFBW) - Modelo de negócios: Recursos -chave

Filiais do Banco Físico em Maryland

Em 31 de dezembro de 2023, a FFBW, Inc. opera 5 agências bancárias de serviço completo localizadas em Maryland.

Tipo de localização	Número de ramificações
Ramos físicos totais	5
Os condados de Maryland serviram	3

Equipe de gestão bancária e financeira experiente

A equipe de gerenciamento da FFBW consiste em 4 principais diretores executivos.

• Experiência média da indústria bancária: 22 anos
• Passeio da equipe de liderança com FFBW: média de 8,5 anos

Base de depósito do cliente

Categoria de depósito	Valor total (a partir do quarto trimestre 2023)
Total de depósitos	$250,413,000
Depósitos de rolamento não interessantes	$37,562,000

Infraestrutura bancária digital

• Plataforma bancária on -line: implementado
• Aplicativo bancário móvel: disponível
• Recursos de transação digital: totalmente operacionais

Conhecimento e relacionamentos do mercado local

Métrica de mercado	Valor
Anos de presença no mercado local	37
Relacionamentos comerciais locais	Aproximadamente 500

FFBW, Inc. (FFBW) - Modelo de negócios: proposições de valor

Serviços bancários personalizados para comunidades locais

A partir do quarto trimestre de 2023, a FFBW, Inc. atende 12 filiais localizadas principalmente no estado de Washington, com uma base total de ativos de US $ 365,4 milhões.

Categoria de serviço	Penetração do mercado local	Segmentos de clientes
Bancos pessoais	68% da participação de mercado local	Consumidores individuais, pequenas empresas
Bancos comerciais	42% de cobertura de cliente comercial local	Pequenas a médias empresas

Taxas de juros competitivas em empréstimos e depósitos

Taxas de juros em janeiro de 2024:

• Contas de poupança pessoal: 2,75% APY
• Contas de corrente de negócios: taxa de juros de 1,50%
• Taxas de empréstimos pessoais: a partir de 6,25%
• Taxas de empréstimos comerciais: a partir de 5,90%

Tomada de decisão local e processamento mais rápido de empréstimos

Métrica de processamento de empréstimos	Desempenho
Tempo médio de aprovação do empréstimo	3.2 dias úteis
Porcentagem de decisão local	94% das decisões tomadas nas filiais locais

Abordagem bancária orientada por relacionamento

Taxa de retenção de clientes: 87,6% em dezembro de 2023.

• Duração média do relacionamento do cliente: 6,3 anos
• Pontuação de satisfação do cliente: 4,5/5

Soluções financeiras adaptadas para pequenas empresas e indivíduos

Categoria de produto	Contas totais	Valor médio da conta
Verificação de pequenas empresas	1.247 contas	$85,600
Planejamento financeiro pessoal	2.103 clientes ativos	$42,300

FFBW, Inc. (FFBW) - Modelo de negócios: Relacionamentos do cliente

Interações presenciais nas filiais locais

A partir de 2024, o FFBW mantém 4 locais de filiais físicas no estado de Washington, especificamente na região de Puget Sound. Interações médias diárias do cliente por filial: 37-42 clientes.

Localização da filial	Interações diárias médias	Horário de atendimento ao cliente
Ramo sequim	39 clientes	9:00 - 17:00
Filial de Port Angeles	42 clientes	9:00 - 17:00

Atendimento ao cliente personalizado

O FFBW fornece representantes bancários pessoais dedicados com um tempo médio de resposta de 12 minutos para consultas de clientes.

• Gerentes pessoais de relacionamento bancário: 8 funcionários totais
• Tamanho médio do portfólio de clientes por gerente: 215 contas
• Classificação de satisfação do cliente: 4.6/5.0

Plataformas bancárias digitais

Estatísticas da plataforma bancária digital para 2024:

Métrica da plataforma	Valor
Usuários bancários móveis	3.742 usuários ativos
Transações bancárias online	47.289 transações mensais
Tempo de atividade da plataforma digital	99.97%

Engajamento da comunidade e apoio local

Métricas de engajamento da comunidade para 2024:

• Patrocínio da comunidade local: 12 eventos anuais
• Investimento Comunitário Total: US $ 87.500
• Parcerias comerciais locais: 37 colaborações ativas

Gerenciamento de relacionamento para clientes bancários pessoais e de negócios

Aparelhamento do gerenciamento de relacionamento com o cliente:

Categoria de cliente	Total de clientes	Valor médio da conta
Clientes bancários pessoais	8,621	$42,300
Clientes bancários de negócios	423	$276,500

FFBW, Inc. (FFBW) - Modelo de negócios: canais

Rede de agência bancária física

A partir de 2024, a FFBW opera 5 locais de agência bancária física, todos localizados no estado de Washington. Especificamente situado em:

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

Site bancário online

Recurso bancário online	Disponibilidade
Visualização do saldo da conta	24/7
Histórico de transações	Janela rolante de 90 dias
Serviços de pagamento de contas	Disponível
Transferências de fundos	Suportado

Aplicativo bancário móvel

Aplicativo móvel disponível para plataformas iOS e Android com Criptografia de 256 bits. Os principais recursos incluem:

• Depósito de cheque móvel
• Alertas da conta
• Gerenciamento de cartões
• Login biométrico

Suporte telefônico de atendimento ao cliente

Horário de suporte telefônico: Segunda a sexta -feira das 8:00 - 18:00 PST. Tempo médio de espera de chamada: 3,5 minutos.

Rede ATM

Tipo de localização do ATM	Número de caixas eletrônicos
Caixas eletrônicos de propriedade de bancos	7
Caixas eletrônicos de rede compartilhada	35
Acesso total ao caixa eletrônico	42

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

Clientes residenciais locais de Maryland

A partir de 2024, a FFBW atende a aproximadamente 12.500 clientes residenciais em Maryland. A base de clientes residenciais do banco está concentrada nos condados de Anne Arundel, Baltimore e Howard.

Segmento de clientes	Número de clientes	Saldo médio da conta
Clientes residenciais de Maryland	12,500	$87,340

Pequenas e médias empresas

A FFBW suporta 437 clientes comerciais pequenos e médios em sua área de mercado principal.

• Tamanho médio de empréstimo comercial: US $ 423.000
• Portfólio de empréstimos comerciais totais: US $ 185,2 milhões
• Porcentagem de clientes comerciais locais: 92%

Investidores imobiliários comerciais

O banco mantém 218 relações ativas de investimento imobiliário ativo.

Categoria de investimento	Valor total de investimento	Número de investidores
Imóveis comerciais	US $ 276,5 milhões	218

Poupadores e investidores individuais

A FFBW atende a 8.750 clientes de economia e investimento individuais.

• Saldo médio da conta de poupança individual: US $ 64.500
• Portfólio total de depósito pessoal: US $ 563,4 milhões

Organizações comunitárias locais

O banco suporta 87 organizações comunitárias locais por meio de serviços e parcerias bancárias.

Tipo de organização	Número de organizações	Investimento total da comunidade
Organizações sem fins lucrativos locais	87	US $ 1,2 milhão

FFBW, Inc. (FFBW) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir de 2024, o FFBW opera com 4 locais de filiais, com despesas operacionais anuais totais de filiais de US $ 1.245.000.

Categoria de despesa	Custo anual
Aluguel e utilitários	$612,000
Manutenção	$287,000
Material de escritório	$346,000

Salários e benefícios dos funcionários

A remuneração anual total dos funcionários pelo FFBW é de US $ 3.876.000.

• Salários base: US $ 2.745.000
• Seguro de Saúde: US $ 456.000
• Benefícios de aposentadoria: US $ 375.000
• Bônus de desempenho: US $ 300.000

Manutenção de tecnologia e infraestrutura digital

As despesas anuais de infraestrutura de tecnologia totalizam US $ 675.000.

Despesa de tecnologia	Custo anual
Licenciamento de software	$245,000
Manutenção de hardware	$210,000
Segurança cibernética	$220,000

Custos de conformidade regulatória

As despesas anuais de conformidade regulatória são de US $ 512.000.

• Consultoria legal: US $ 187.000
• Taxas de auditoria: US $ 225.000
• Treinamento de conformidade: US $ 100.000

Despesas de marketing e aquisição de clientes

As despesas totais de marketing para 2024 são de US $ 456.000.

Canal de marketing	Gasto anual
Publicidade digital	$210,000
Mídia impressa e local	$126,000
Patrocínio de eventos da comunidade	$120,000

FFBW, Inc. (FFBW) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Em 31 de dezembro de 2023, o FFBW relatou $10,562,000 na receita total de juros dos empréstimos.

Categoria de empréstimo	Receita de juros ($)
Empréstimos imobiliários comerciais	6,237,000
Empréstimos imobiliários residenciais	3,425,000
Empréstimos ao consumidor	900,000

Taxas de empréstimos hipotecários

Taxas de empréstimos hipotecários para 2023 totalizaram $752,000.

Cobranças de serviço da conta de depósito

Cobranças de serviço em contas de depósito geradas $436,000 em receita para o ano fiscal de 2023.

• Taxas de cheque especial: US $ 218.000
• Taxas de manutenção de conta: US $ 142.000
• Outros cobranças de serviço: US $ 76.000

Serviços de investimento e gerenciamento de patrimônio

Receita de serviços de investimento alcançados $1,245,000 em 2023.

Tipo de serviço	Receita ($)
Gestão de ativos	687,000
Aviso financeiro	558,000

Taxas de transação bancária comercial

As taxas de transação bancária comercial totalizaram $643,000 Para o ano de 2023.

• Taxas de transferência de fio: US $ 276.000
• Serviços de gerenciamento de caixa: US $ 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.