1895 Bancorp of Wisconsin, Inc. is a bank holding company engaged in providing traditional banking services through its wholly-owned subsidiary, PyraMax Bank. The company focuses on accepting deposits and originating loans, primarily serving individuals and businesses in its local market. Its core activities center on community banking with an emphasis on relationship-driven financial solutions.
The company generates revenue mainly through interest income on loans and…
1895 Bancorp of Wisconsin, Inc. is a bank holding company engaged in providing traditional banking services through its wholly-owned subsidiary, PyraMax Bank. The company focuses on accepting deposits and originating loans, primarily serving individuals and businesses in its local market. Its core activities center on community banking with an emphasis on relationship-driven financial solutions.
The company generates revenue mainly through interest income on loans and securities, supplemented by fee-based services. Primary sources of earnings include interest from commercial real estate loans, commercial loans, and residential mortgage loans. Additional revenue comes from service charges on deposits, gains on loan sales, and income from mortgage banking activities. The company serves a diverse customer base consisting of retail consumers, small to mid-sized businesses, and local municipalities within its geographic footprint.
The company operates through the following segments:
- Community Banking: This segment encompasses all traditional banking operations conducted through PyraMax Bank, including deposit gathering, loan origination, and treasury management services. It offers a full suite of consumer and commercial banking products such as checking accounts, savings accounts, certificates of deposit, and various loan types. The segment emphasizes relationship banking and personalized financial solutions tailored to local customer needs.
Within the competitive landscape of community banking in Wisconsin, 1895 Bancorp of Wisconsin, Inc. positions itself as a locally focused institution prioritizing customer service and relationship banking. It competes with regional banks, credit unions, and larger national banks operating in its market area. The company's competitive advantages stem from its deep community ties, agile decision-making, and ability to customize financial products for local borrowers and depositors.
The company serves individual consumers, small and medium-sized businesses, and local government entities throughout its primary market area in southeastern Wisconsin. Specific customer segments include homeowners seeking residential mortgages, entrepreneurs requiring commercial financing, and municipal organizations needing deposit and cash management services. The customer base reflects a diverse mix of retail and commercial clients relying on the bank for everyday financial services and long-term banking relationships.