First Business Financial Services, Inc. (NASDAQ: FBIZ)

First Business Financial Services, Inc. is a registered bank holding company incorporated under the laws of the State of Wisconsin and is engaged in the commercial banking business through its wholly owned banking subsidiary First Business Bank. The company also operates through First Business Specialty Finance LLC a wholly owned subsidiary of First Business Bank.

First Business Financial Services Inc. generates revenue primarily from interest income on loans and securities and from non-interest income such as wealth management fees service charges on deposits loan fees swap fees and bank owned life insurance income. Its commercial lending activities include commercial lending asset based lending accounts receivable financing equipment financing floorplan financing vendor financing SBA lending and servicing treasury management services and company retirement plans while its private wealth management services encompass trust and estate administration financial planning investment management and private banking and its bank consulting offers investment portfolio administrative and asset liability management.

The company operates through the following segment: Commercial Banking.

• Commercial Banking: The segment provides commercial lending, asset based lending, accounts receivable financing, equipment financing, floorplan financing, vendor financing, SBA lending and servicing, treasury management services, company retirement plans, private wealth management services including trust and estate administration, financial planning, investment management, private banking, and bank consulting services such as investment portfolio administrative and asset liability management.

First Business Financial Services Inc. positions itself as a business bank that serves small and medium sized businesses business owners executives professionals and high net worth individuals offering a full suite of commercial banking products without relying on a traditional branch network. The company differentiates itself through deep client relationships specialized expertise and a centralized efficient structure that enables tailored solutions and long term partnerships. It competes with other regional banks community banks and larger financial institutions.

The company serves small and medium sized businesses business owners executives professionals and high net worth individuals.