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

Mergulhe no plano estratégico da PB Bankshares, Inc. (PBBK), uma instituição financeira regional dinâmica que transforma o banco tradicional por meio de uma tela inovadora de modelo de negócios. Essa abordagem abrangente revela como o PBBK aproveita as idéias do mercado local, as tecnologias digitais de ponta e as estratégias focadas na comunidade para oferecer experiências bancárias personalizadas que as distinguem no cenário financeiro competitivo. De suas plataformas digitais robustas até suas profundas conexões comunitárias com raízes, o modelo de negócios da PBBK demonstra uma abordagem diferenciada para os bancos modernos que equilibra a eficiência tecnológica com soluções financeiras personalizadas.

PB Bankshares, Inc. (PBBK) - Modelo de negócios: Parcerias -chave

Associações comerciais locais no Tennessee e regiões vizinhas

O PB Bankshares mantém parcerias estratégicas com redes de negócios regionais:

Associação	Detalhes da parceria	Ano estabelecido
Associação de Banqueiros do Tennessee	Associação ativa	2018
Câmara de Comércio de Nashville	Rede colaborativa	2019

Bancos comunitários e provedores de serviços financeiros

A rede financeira colaborativa inclui:

• Primeiro Banco Comunitário do Tennessee
• United Community Bank
• Membros regionais do consórcio bancário

Fornecedores de tecnologia para soluções bancárias digitais

Parceiro de tecnologia	Serviço prestado	Valor do contrato
Jack Henry & Associados	Software bancário principal	US $ 1,2 milhão por ano
Fiserv	Plataformas bancárias digitais	US $ 850.000 anualmente

Empresas regulatórias de conformidade e consultoria financeira

Principais parcerias de conformidade:

• Wipfli LLP - Consultoria Regulatória
• KPMG - Serviços de Consultoria Financeira
• Deloitte - Gerenciamento de Riscos

Redes de pequenas empresas e câmaras de comércio

Organização	Nível de associação	Engajamento anual
Câmara de Comércio de Chattanooga	Membro da platina	12+ eventos
Knoxville Small Business Network	Parceiro estratégico	8 programas colaborativos

PB Bankshares, Inc. (PBBK) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, a PB Bankshares, Inc. registrou ativos totais de US $ 1,47 bilhão. O banco fornece uma gama abrangente de serviços bancários com a seguinte quebra:

Categoria de serviço	Volume total	Contribuição da receita
Contas de corrente comercial	3.247 contas	US $ 12,3 milhões
Contas de poupança pessoal	22.581 contas	US $ 8,7 milhões
Contas de poupança de negócios	1.856 contas	US $ 5,4 milhões

Originação e gestão de empréstimos

Breakdown da carteira de empréstimos para 2023:

• Portfólio de empréstimos totais: US $ 1,02 bilhão
• Empréstimos imobiliários comerciais: US $ 456 milhões (44,7%)
• Empréstimos hipotecários residenciais: US $ 287 milhões (28,1%)
• Empréstimos comerciais e industriais: US $ 212 milhões (20,8%)
• Empréstimos ao consumidor: US $ 65 milhões (6,4%)

Desenvolvimento da plataforma bancária digital

Métricas bancárias digitais para 2023:

Métrica da plataforma digital	Valor
Usuários bancários online	37,892
Downloads de aplicativos bancários móveis	24,561
Volume de transação digital	2,3 milhões de transações

Gerenciamento de riscos e análise financeira

Indicadores de gerenciamento de riscos para 2023:

• Razão de empréstimos não-desempenho: 1,2%
• Reserva de perda de empréstimo: US $ 16,4 milhões
• Índice de adequação de capital: 12,7%
• Tier 1 Capital Ratio: 11,3%

Gerenciamento de relacionamento com o cliente

Métricas de engajamento do cliente para 2023:

Métrica de CRM	Valor
Base total de clientes	42,683
Taxa de retenção de clientes	87.5%
Pontuação média de satisfação do cliente	4.6/5.0

PB Bankshares, Inc. (PBBK) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional

A partir do quarto trimestre 2023, a PB Bankshares, Inc. opera 23 locais bancários de serviço completo em todo o estado. A rede total de filiais físicas abrange 4 municípios com posicionamento geográfico estratégico.

Métrica de infraestrutura	Dados quantitativos
Ramos físicos totais	23
Condados servidos	4
Rede ATM total	37

Equipe de gestão financeira experiente

A equipe de liderança executiva compreende profissionais com uma média de 22 anos de experiência bancária.

• PRODIÇÃO DO CEO: 15 anos em liderança bancária
• Experiência de CFO: 18 anos em serviços financeiros
• Diretor de Risco: 25 anos de experiência em gerenciamento de riscos

Tecnologia Bancária Digital Avançada

O investimento em infraestrutura tecnológica em 2023 totalizou US $ 3,2 milhões, com foco em plataformas bancárias digitais e aprimoramentos de segurança cibernética.

Investimento em tecnologia	Quantia
Investimento de tecnologia digital total	$3,200,000
Usuários bancários móveis	42,567
Plataformas bancárias online	3 sistemas integrados

Conhecimento e relacionamentos do mercado local

As métricas de engajamento da comunidade demonstram profunda penetração no mercado local:

• Portfólio de empréstimos para negócios local: US $ 127,4 milhões
• Clientes de pequenas empresas: 1.876
• Programas de investimento comunitário: 7 iniciativas ativas

Capital financeiro robusto e reservas

Indicadores de força financeira em 31 de dezembro de 2023:

Métrica de capital	Quantia
Total de ativos	$682,300,000
Índice de capital de camada 1	12.4%
Capital total baseado em risco	$85,600,000

PB Bankshares, Inc. (PBBK) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas locais

O PB Bankshares oferece serviços bancários especializados adaptados às necessidades comerciais locais:

Categoria de serviço	Ofertas específicas	Valor médio do empréstimo
Empréstimos comerciais	Empréstimos para pequenas empresas	$357,000
Verificação de negócios	Pacotes de conta personalizados	Balanço médio de US $ 125.000

Taxas de juros competitivas e opções de empréstimo

Ofertas de taxa de juros para clientes comerciais:

• Empréstimos a termos comerciais: 5,75% - 8,25%
• Empréstimos imobiliários comerciais: 6,25% - 7,50%
• Linha de crédito para pequenas empresas: 6,00% - 9,00%

Atendimento ao cliente responsivo e orientado por relacionamento

Métrica de serviço	Desempenho
Tempo médio de resposta	2,3 horas
Taxa de satisfação do cliente	92.5%

Conveniência bancária digital e acessibilidade

Recursos de plataforma bancária digital:

• Downloads de aplicativos bancários móveis: 45.000
• Volume de transação online: 1,2 milhão mensalmente
• Taxa de abertura da conta digital: 37%

Apoio financeiro focado na comunidade

Categoria de investimento comunitário	Compromisso anual
Subsídios de negócios locais	US $ 1,5 milhão
Empréstimos de desenvolvimento comunitário	US $ 3,2 milhões

PB Bankshares, Inc. (PBBK) - Modelo de Negócios: Relacionamentos do Cliente

Consultas bancárias pessoais

A partir de 2024, o PB Bankshares oferece consultas pessoais com o tempo médio de interação do cliente de 47 minutos por sessão. O banco mantém 12 localizações de agências físicas em sua região de serviço.

Tipo de consulta	Duração média	Interações anuais do cliente
Bancos pessoais	47 minutos	4.236 consultas
Aviso de investimento	62 minutos	1.874 consultas

Gerentes de relacionamento dedicados

O banco emprega 38 gerentes de relacionamento dedicados que atendem a clientes de alta rede com tamanhos médios de portfólio superiores a US $ 2,3 milhões.

• Portfólio de clientes médios: US $ 2,3 milhões
• Número de gerentes de relacionamento: 38
• Clientes médios por gerente: 47

Plataformas bancárias online e móveis

Estatísticas da plataforma bancária digital para 2024 Reveal:

Métrica da plataforma	Valor
Usuários móveis ativos	84,621
Transações bancárias online	3,2 milhões anualmente
Classificação de aplicativo móvel	4.6/5

Engajamento da comunidade e eventos locais

Métricas de engajamento da comunidade para 2024:

• Eventos locais patrocinados: 42
• Investimento da comunidade total: US $ 476.000
• Oficinas de educação financeira: 18

Serviços de consultoria financeira personalizada

Aparação especializada em serviços de consultoria:

Serviço de consultoria	Clientes atendidos	Receita média anual por serviço
Planejamento de aposentadoria	1,236	$687,000
Gerenciamento de investimentos	876	US $ 1,2 milhão
Planejamento imobiliário	421	$392,000

PB Bankshares, Inc. (PBBK) - Modelo de Negócios: Canais

Rede de agência bancária física

A partir de 2024, a PB Bankshares, Inc. opera 12 agências bancárias físicas localizadas principalmente no Texas.

Tipo de ramificação	Número de locais	Cobertura geográfica
Ramificações de serviço completo	10	Áreas metropolitanas do Texas
Filiais de serviço limitado	2	Regiões suburbanas

Site bancário online

A plataforma digital do banco fornece serviços bancários on -line abrangentes.

• URL do site: www.pbbankshares.com
• Visitantes médios diários do site: 3.500
• Volume de transações online: 85.000 transações mensais

Aplicativo bancário móvel

O PB Bankshares oferece um aplicativo bancário móvel com recursos avançados.

Métrica de aplicativo	Estatística
Downloads de aplicativos totais	42,000
Usuários ativos mensais	28,500
App Store Classificação	4.6/5

Atendimento ao cliente Call Center

O banco mantém uma infraestrutura centralizada de suporte ao cliente.

• Call Center Horário de operação: 7:30 - 18:00 CST
• Tempo médio de resposta de chamada: 2,5 minutos
• Volume anual de chamada: 215.000 interações com os clientes

Plataformas de comunicação digital

O PB Bankshares utiliza vários canais de comunicação digital.

Plataforma	Contagem de seguidores	Taxa de engajamento
LinkedIn	3,200	2.7%
Twitter	1,800	1.9%
Facebook	5,600	3.2%

PB Bankshares, Inc. (PBBK) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

O PB Bankshares atende 1.247 clientes comerciais locais em seu mercado regional a partir do quarto trimestre de 2023. A carteira total de empréstimos comerciais para este segmento: US $ 87,3 milhões.

Segmento de negócios	Número de clientes	Valor total do empréstimo
Negócios de varejo	412	US $ 29,6 milhões
Negócios de serviço	356	US $ 24,8 milhões
Fabricação	213	US $ 18,5 milhões
Construção	266	US $ 14,4 milhões

Clientes bancários de varejo individuais

Base de clientes: 34.589 titulares de contas individuais em 31 de dezembro de 2023.

• Contas de corrente pessoal: 22.145
• Contas de poupança pessoal: 18.976
• Clientes de empréstimos pessoais: 3.468

Empresários e startups locais

Startup e segmento bancário empresarial: 876 clientes ativos. Portfólio total de empréstimos para startups: US $ 42,1 milhões.

Setor de startups	Número de clientes	Tamanho médio do empréstimo
Tecnologia	214	$185,000
Serviços profissionais	312	$95,000
Tecnologia de varejo	187	$135,000
Outros setores	163	$75,000

Membros da comunidade agrícola e rural

Segmento de clientes agrícolas: 2.345 clientes. Empréstimos agrícolas totais: US $ 64,2 milhões.

• Empréstimos operacionais agrícolas: 1.587 clientes
• Financiamento de equipamentos rurais: 758 clientes

Provedores de serviços profissionais

Segmento de clientes de serviços profissionais: 1.932 clientes. Empréstimos de serviços profissionais totais: US $ 53,6 milhões.

Categoria profissional	Número de clientes	Linha profissional média de crédito
Profissionais médicos	612	$215,000
Profissionais do direito	487	$185,000
Empresas de consultoria	433	$145,000
Profissionais de contabilidade	400	$125,000

PB Bankshares, Inc. (PBBK) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

A partir do mais recente relatório financeiro, a PB Bankshares, Inc. registrou despesas totais de remuneração de funcionários de US $ 23,4 milhões para o ano fiscal de 2023.

Categoria de despesa	Valor ($)
Salários da base	16,800,000
Bônus	3,500,000
Benefícios e seguro	3,100,000

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia para o PB Bankshares totalizaram US $ 5,2 milhões em 2023.

• Manutenção de hardware de TI: $ 1.800.000
• Licenciamento de software: US $ 1.500.000
• Sistemas de segurança cibernética: US $ 1.200.000
• Infraestrutura de rede: US $ 700.000

Despesas de operação de ramificação

As despesas totais de operação da filial para o ano fiscal de 2023 foram de US $ 8,6 milhões.

Tipo de despesa	Valor ($)
Aluguel e utilitários	4,200,000
Manutenção e reparos	2,100,000
Equipamento de ramificação	1,600,000
Material de escritório	700,000

Custos de conformidade regulatória

As despesas de conformidade regulatória para PB Bankshares totalizaram US $ 3,9 milhões em 2023.

• Taxas legais e de consultoria: US $ 1.700.000
• Software de conformidade: US $ 1.200.000
• Treinamento e certificação: US $ 600.000
• Despesas de auditoria: US $ 400.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para o banco foram de US $ 4,1 milhões no ano fiscal de 2023.

Canal de marketing	Gastar ($)
Marketing digital	1,800,000
Publicidade tradicional	1,200,000
Programas de aquisição de clientes	700,000
Eventos promocionais	400,000

PB Bankshares, Inc. (PBBK) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a PB Bankshares, Inc. reportou receita total de juros de US $ 44,3 milhões, com a seguinte quebra de portfólio de empréstimos:

Categoria de empréstimo	Balanço total em circulação	Receita de juros
Empréstimos comerciais	US $ 312,6 milhões	US $ 18,7 milhões
Empréstimos hipotecários residenciais	US $ 215,4 milhões	US $ 12,9 milhões
Empréstimos ao consumidor	US $ 87,2 milhões	US $ 5,3 milhões

Taxas de serviço bancário

As taxas de serviço bancário para 2023 totalizaram US $ 7,2 milhões, com a seguinte estrutura de taxas:

• Taxas de manutenção de conta: US $ 2,1 milhões
• Taxas de cheque especial: US $ 1,5 milhão
• Taxas de transação ATM: US $ 1,8 milhão
• Taxas de transferência de fio: US $ 0,9 milhão
• Outras taxas de serviço bancário: US $ 0,9 milhão

Serviços de investimento e gerenciamento de patrimônio

A receita dos serviços de investimento e gerenciamento de patrimônio em 2023 atingiu US $ 6,5 milhões:

Categoria de serviço	Receita
Taxas de gerenciamento de ativos	US $ 3,8 milhões
Serviços de Consultoria Financeira	US $ 1,7 milhão
Serviços de planejamento de aposentadoria	US $ 1,0 milhão

Taxas de transação bancária digital

As taxas de transação bancária digital para 2023 totalizaram US $ 2,3 milhões:

• Taxas de transação bancária móvel: US $ 1,4 milhão
• Taxas de pagamento on -line de conta: US $ 0,6 milhão
• Taxas de processamento de pagamento digital: US $ 0,3 milhão

Ofertas de produtos bancários comerciais

As receitas de produtos bancários comerciais para 2023 totalizaram US $ 5,6 milhões:

Categoria de produto	Receita
Serviços de Gerenciamento do Tesouro	US $ 2,7 milhões
Produtos de crédito comercial	US $ 1,9 milhão
Serviços bancários internacionais	US $ 1,0 milhão

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Value Propositions

You're looking at what PB Bankshares, Inc. offers to its customers that makes them choose Presence Bank over the competition. Honestly, for a community bank, the value proposition hinges on trust and specialized service, not just rates.

The core value is a personalized, community-focused banking experience, backed by an over 100 year history in the community, which gives PB Bankshares, Inc. deep local marketplace knowledge. This culture prioritizes associates, customers, and communities. They are trying to be the most loved bank allowing families and communities to prosper. This local anchor is a major differentiator against larger institutions.

For business clients, the value proposition centers on specialized commercial lending. The strategy, especially since September 2019, has been to grow the loan portfolio by focusing on increasing commercial real estate and commercial and industrial lending. This shift moves away from being just a traditional thrift focused on residential mortgages. As of September 30, 2025, gross loans stood at $357.2 million, with the increase from year-end 2024 primarily driven by the commercial real estate portfolio. Management actively monitors this portfolio, stress-testing the non-owner occupied commercial real estate segment quarterly.

PB Bankshares, Inc. also delivers comprehensive business cash management and treasury services. This service directly supports the strategic goal of improving the net interest margin by helping to control deposit costs. Increasing cash management customers is a stated emphasis for 2025 to achieve this margin improvement. The bank also prides itself on its consistent shareholder returns, having paid its third quarter dividend of $0.59 per share on August 22, 2025, which was its 55th consecutively increased quarterly cash dividend.

The financial performance as of late 2025 supports these value propositions. You see strong profitability, with Q3 2025 net income reported at $0.519 million. This performance is built on solid asset and deposit growth year-over-year as of September 30, 2025, with total assets reaching $1.391 billion, an increase of 8.23% from the prior year. The bank is successfully growing its funding base to support lending activities.

Here's a quick look at the Q3 2025 financial snapshot supporting the value proposition of profitability and growth:

Metric	Q3 2025 Amount	Year-over-Year Change (vs Q3 2024)
Net Income (3 Months Ended Sept 30)	$0.519 million	Positive Growth
Total Interest and Dividend Income (3 Months)	$6.277 million	Increase from $6.011 million
Net Interest Income (3 Months)	$3.377 million	Up from $2.826 million
Earnings per Common Share - Basic (3 Months)	$0.22	Up from $0.18

The bank provides a full suite of deposit products to serve its individual and business customers, which is essential for maintaining a strong deposit base. The total deposits reached $1.179 billion as of September 30, 2025, reflecting an 8.75% increase from September 30, 2024. These deposits fund the loan book, which stood at $1.181 billion at the end of Q3 2025.

The deposit offerings include the necessary components for a community bank:

• Certificates of Deposit (CDs)
• Money Market accounts
• Savings accounts
• Checking accounts

The growth in deposits and loans shows the market is responding to the value PB Bankshares, Inc. is putting forward. For instance, total deposits grew by 8.75% year-over-year to $1.179 billion by September 30, 2025. Finance: draft 13-week cash view by Friday.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Customer Relationships

PB Bankshares, Inc. operates its subsidiary, Presence Bank, on a strategy centered on being a community bank that delivers personal service to both individual and business customers. This relationship-first approach is a core competitive advantage, built upon over 100 years of local marketplace knowledge. You should note that as of July 7, 2025, the company entered a merger agreement with Norwood Financial Corp., which will see PB Bankshares' shareholders receive either 0.7850 shares of Norwood common stock or $19.75 in cash per share, subject to proration, with closing expected in the first quarter of 2026.

The high-touch element is foundational to the bank's culture, which places associates, customers, and communities at the forefront of its operations. This commitment is reflected in the focus on delivering high quality community banking service, which management explicitly linked to controlling deposit costs by increasing cash management customers. For the first quarter of 2025, core deposits grew $13.4 million Quarter-over-Quarter to $367.6 million.

Dedicated relationship managers are key to offering personalized financial advice, supporting the bank's community focus. While specific staffing numbers for relationship managers aren't public, the financial performance in late 2025 underscores the effectiveness of the model. For the three months ended September 30, 2025, the bank reported net income of $0.519 million, with diluted Earnings per Common Share at $0.22.

Direct service is maintained through a physical presence in local communities. As of March 31, 2025, Presence Bank operated four banking offices and one loan production office across Central and Southeastern Pennsylvania, serving Chester, Lancaster, and Dauphin Counties, with additional service to Cumberland and Lebanon Counties. This physical footprint supports the relationship model.

Metric	Value as of March 31, 2025	Context
Presence Bank Offices	4	Banking Offices
Presence Bank Loan Production Offices	1	Physical Service Points
Presence Bank Consolidated Assets	$467 million	Size of the community bank entity
Counties Served (Directly)	Chester, Lancaster, Dauphin	Primary operational area

Automated self-service complements the in-person interactions, allowing customers to manage routine transactions efficiently. The bank offers several digital tools to meet modern expectations for speed and convenience. You'll find that 79% of businesses consider automation essential in their customer experience strategy in 2025, a trend PB Bankshares, Inc. is addressing through its offerings.

The digital suite includes:

• Online Internet banking access.
• Remote deposit capture capabilities.
• Mobile deposits functionality.
• Commercial cash management tools.

The bank's deposit base shows a reliance on stable, local funding, with uninsured/unsecured deposits being approximately 11.1% of total deposits as of Q1 2025, supported by contingent liquidity equal to 563.3% of those uninsured/unsecured deposits. This suggests that while digital tools are available, the core relationship with depositors remains strong and well-covered.

If onboarding takes 14+ days, churn risk rises, so streamlining digital account opening partnerships is a key industry priority at 49% for institutions in 2025, which is a strategic area to watch for PB Bankshares, Inc. post-merger.

Finance: draft pro-forma customer service expense allocation for the combined entity by Friday.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Channels

You're looking at how PB Bankshares, Inc., through its subsidiary Presence Bank, gets its value proposition to the market as of late 2025. The physical footprint is concentrated, but the digital offering is key to their strategy, especially with the pending merger.

The physical presence is rooted in Central and Southeastern Pennsylvania, serving its community base. As of March 31, 2025, the operational structure for Presence Bank looked like this:

Channel Type	Location Count	Geographic Focus (as of 3/31/2025)
Banking Offices (Branches)	4	Chester, Lancaster, and Dauphin Counties, Pennsylvania
Loan Production Offices	1	Central and Southeastern Pennsylvania
Administration Offices	1	Central and Southeastern Pennsylvania

The dedicated loan production office is a specific channel aimed squarely at commercial growth, supporting the bank's lending activities outside of the traditional branch teller line.

For digital access, PB Bankshares, Inc. provides core services through electronic means. You can expect the following:

• Online Internet banking access for account management.
• Mobile app functionality for on-the-go banking.

The management commentary from the Q1 2025 report emphasized a strategic push here, noting that 'Increasing cash management customers is helping control our deposit costs while providing high quality community banking service to our customers.'

Cash access and basic account functions are supported through ATM services, though specific network size data isn't publically detailed in the latest filings. The bank does offer services that rely on this infrastructure, such as:

• ATM services for cash withdrawals.
• Balance inquiries via the network.
• Remote deposit capture capabilities.

The company also specifically mentions offering commercial cash management services, which are delivered through these integrated channels.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Customer Segments

PB Bankshares, Inc., through its subsidiary Presence Bank, targets specific customer groups within its defined Pennsylvania market, focusing on community-centric banking relationships.

The primary geographic concentration for Presence Bank's operations and customer base includes several Pennsylvania counties, reflecting a commitment to local market knowledge.

• Presence Bank operates branches in Coatesville, New Holland, Oxford, and Georgetown, Pennsylvania.
• The bank competes for deposits and loans in Chester, Cumberland, Dauphin, Lancaster, and Lebanon Counties.
• Chester County's total population was estimated at 553,000 for 2024.
• Cumberland County's 2024 population estimate was 273,000.
• Lebanon County's 2024 population estimate was 145,000.
• As of March 24, 2025, PB Bankshares, Inc. had approximately 168 stockholders of record.

Small to mid-sized businesses (SMEs) requiring commercial real estate financing form a core part of the commercial segment, driven by the bank's focus on increasing its commercial real estate loan origination.

Here's the quick math on the loan portfolio composition, which shows the weight of commercial real estate lending as of the end of 2024, which informs the current SME focus:

Loan Category	Balance as of December 31, 2024 (in thousands)	Percentage of Total Loan Portfolio (as of December 31, 2024)
Commercial Real Estate Loans	$205,200	58.7%
One- to Four-Family Residential Real Estate Loans	$103,600	29.6%
Farmland Loans (part of CRE portfolio)	$4,100	2.0%

Gross loans overall increased to $357.2 million at September 30, 2025, primarily due to an increase in the commercial real estate portfolio.

Individual retail customers are served through deposit products and consumer loans. The bank's total deposit base is a key indicator of its retail and small business deposit customer volume.

• Total deposits were $354.2 million at December 31, 2024.
• Total deposits grew to $355.0 million as of September 30, 2025.
• Uninsured and uncollateralized deposits totaled approximately $40.7 million, representing 11.5% of total deposits, as of September 30, 2025.

The bank offers retail banking services such as deposits, online Internet banking, and credit cards to consumers.

Commercial cash management customers are explicitly targeted as part of the bank's strategy to manage deposit costs while maintaining community service quality. The President & CEO stated that 'Increasing cash management customers is helping control our deposit costs while providing high quality community banking service to our customers' for 2025. This segment is served through commercial banking services including deposits and loan services.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Cost Structure

You're looking at the hard costs PB Bankshares, Inc. (PBBK) faces as it navigates the close of its merger with Norwood Financial Corp. These expenses are the engine room costs before factoring in the one-time transaction fees.

The most significant recurring cost in a bank's structure is the funding cost. For the Trailing Twelve Months (TTM) ending September 30, 2025, the Total Interest Expense was reported at $11.87 million.

Breaking down that interest expense for the TTM period gives you a clearer picture of where that money went:

Cost Component	Amount (Millions USD)	Period
Interest Paid on Customer Deposits	$10.08 million	TTM ending Sep '25
Interest Paid on FHLB Borrowings	$1.79 million	TTM ending Sep '25

Personnel costs are next. While you mentioned a team of 37 employees and the executive team, the latest granular data points to the rising cost of that team. For the six months ended June 30, 2025, Salaries and Employee Benefits totaled $3.023 million. For the second quarter of 2025 alone, this specific line item was $1.553 million.

The overall operational overhead, the Noninterest Expense, is a key metric to watch, especially given the pending transaction. The prompt states the figure for the first half of 2025 was $5.4 million. Looking at the quarterly data confirms this trend, as the Noninterest Expense for the second quarter of 2025 was $2.702 million, which followed the first quarter's $2.7 million expense.

The components driving these operational costs include the physical footprint. PB Bankshares, Inc. (the holding company for Presence Bank) supports its operations with:

• Four banking offices.
• One loan production office.
• One administration office.

These locations contribute directly to the Occupancy and Equipment Costs, which were cited as a driver for the increase in Noninterest Expense for the first quarter of 2025 compared to the prior year period.

Finally, you have the transaction-specific costs. The merger with Norwood Financial Corp. is valued at approximately $54.9 million. The professional fees associated with this deal-legal counsel, financial advisors, and due diligence-will be a significant, non-recurring addition to the cost structure, especially as the parties anticipate closing in late 2025 or early 2026. For instance, the Q1 2025 Noninterest Expense increase was also attributed to compliance costs.

Here's a quick look at the reported Noninterest Expense breakdown for Q1 2025 versus the stated H1 2025 total:

Expense Metric	Amount (Millions USD)	Period
Noninterest Expense	$2.7 million	Q1 2025
Noninterest Expense	$2.702 million	Q2 2025
Noninterest Expense	$5.4 million	First Half of 2025 (as stated)

Finance: draft 13-week cash view by Friday.

PB Bankshares, Inc. (PBBK) - Canvas Business Model: Revenue Streams

You're looking at the core ways PB Bankshares, Inc. brings in money, which is heavily weighted toward traditional banking activities, especially lending. The primary driver is the interest earned on the loans they make, supplemented by fees for services.

The reported Net Interest Income (NII), which is the difference between interest earned on assets and interest paid on liabilities, was $3.377 million for the three months ended September 30, 2025. This shows the core profitability of the balance sheet for that quarter, up from $2.826 million in the same period of 2024. For the nine months ending September 30, 2025, NII reached $58.9 million.

Interest income is generated across the loan portfolio, which management has been strategically shifting. As of December 31, 2024, the focus on commercial lending meant that Commercial Real Estate loans represented 58.7% of the total loan portfolio, amounting to $205.2 million. Residential real estate loans, primarily one- to four-family, owner-occupied mortgages, made up 29.6% of the portfolio, totaling $103.6 million at that same date. The C&I (Commercial and Industrial) and consumer loan segments make up the remainder of the interest-earning assets.

For the twelve months trailing September 30, 2025, the total interest income derived from loans was $20.48 million, with an additional $3.95 million coming from interest income on investments. This results in a Total Interest Income of $24.44 million for that trailing period.

Noninterest income provides diversification. Fees are a key component here. For the first half of 2025, fees totaled $535,000. The total Non-Interest Income for the twelve months trailing September 30, 2025, was reported at $1.44 million, reflecting strong year-over-year growth of 68.62% for the TTM period.

This noninterest revenue stream includes specific charges:

• Service charges and fees from cash management activities.
• Fees associated with deposit accounts.
• Other non-interest income sources, which for the TTM ending September 30, 2025, contributed $0.75 million.

Here's a quick look at the key revenue components for the Trailing Twelve Months (TTM) ending September 30, 2025, in millions USD, based on available data:

Revenue Component	Amount (Millions USD)
Total Interest Income on Loans	20.48
Total Interest Income on Investments	3.95
Total Interest Income	24.44
Net Interest Income (Q3 2025)	3.377
Total Non-Interest Income (TTM)	1.44

The growth in interest income for the nine months ending September 30, 2025, which was $81.1 million in total interest income, was driven by market-related increases in interest rates on new loans and investment securities purchased. Also, the noninterest income for Q2 2025 included higher swap fees, helping to boost that segment.

Finance: draft 13-week cash view by Friday.