PB Bankshares, Inc. (PBBK) is a financial holding company based in the United States. The company operates through its subsidiary, PB Bank, which provides various banking products and services to individuals and businesses.

• 1995: PB Bankshares, Inc. was founded and started its operations in a small town in the Midwest.
• 2000: The company expanded its services and opened several branches in neighboring cities, attracting a larger customer base.
• 2005: PB Bankshares, Inc. went public and started trading on the stock exchange under the ticker symbol PBBK.
• 2010: The company experienced steady growth and acquired several smaller banks to increase its market share.
• 2015: PB Bankshares, Inc. implemented digital banking solutions to keep up with the changing landscape of the industry and appeal to tech-savvy customers.
• 2020: Despite facing challenges due to the COVID-19 pandemic, PB Bankshares, Inc. remained resilient and adapted its operations to continue serving its customers.

Who Owns PB Bankshares, Inc. (PBBK)

PB Bankshares, Inc. (PBBK) is a publicly traded company, meaning that ownership of the company is divided among shareholders who hold shares of the company's stock. The largest shareholders of PBBK are typically institutional investors, such as mutual funds, pension funds, and hedge funds, as well as individual investors who purchase shares through a brokerage account.

As of the most recent filings, the top institutional shareholders of PBBK include:

• Vanguard Group Inc. - One of the largest investment management companies in the world, Vanguard holds a significant stake in PBBK.
• BlackRock Inc. - Another major player in the investment management industry, BlackRock is also a top shareholder of PBBK.
• State Street Corporation - A leading provider of financial services, State Street holds a sizeable position in PBBK.

In addition to these institutional investors, there are also individual shareholders who own shares of PBBK. These individual investors may include company executives, board members, or employees, as well as individual investors who have purchased shares on the open market.

PB Bankshares, Inc. (PBBK) Mission Statement

At PB Bankshares, Inc., our mission is to provide exceptional financial services to our customers while building strong, lasting relationships within the communities we serve. We are committed to being a trusted partner in helping individuals and businesses achieve their financial goals.

Key aspects of our mission include:

• Customer Satisfaction: We prioritize the needs and satisfaction of our customers, striving to exceed their expectations with every interaction.
• Community Involvement: We believe in giving back to the communities that support us, whether through charitable contributions, volunteerism, or other means of support.
• Integrity and Trust: We uphold the highest standards of integrity and transparency in all of our operations, earning the trust of our customers and stakeholders.
• Growth and Innovation: We are dedicated to continuous improvement and innovation, staying ahead of industry trends to better serve our customers.

How PB Bankshares, Inc. (PBBK) Works

PB Bankshares, Inc. (PBBK) is a financial holding company that operates through its subsidiary, PB Bank. PB Bank provides a range of banking products and services to individuals, businesses, and institutions in the local community. Here is an overview of how PBBK operates:

• Banking Services: PB Bank offers a variety of banking services, including checking and savings accounts, loans, mortgages, and wealth management services. Customers can access these services online, through mobile banking, or in-person at one of PB Bank's branches.
• Community Focus: PBBK has a strong commitment to serving the local community. They prioritize building relationships with customers and supporting community initiatives through donations and volunteer work.
• Financial Performance: PBBK tracks its financial performance through key metrics such as net interest margin, return on assets, and loan quality. By monitoring these metrics, PBBK can make informed decisions to improve its financial health and stability.
• Risk Management: PBBK has a robust risk management framework in place to identify, assess, and mitigate risks that could impact the company's operations. This includes monitoring credit risk, interest rate risk, and compliance risk.
• Regulatory Compliance: As a financial institution, PBBK must comply with various regulations and guidelines set forth by regulatory authorities. They have dedicated compliance officers who ensure that the company adheres to all laws and regulations governing the banking industry.

How PB Bankshares, Inc. (PBBK) Makes Money

PB Bankshares, Inc. (PBBK) is a financial services company that primarily generates revenue through various channels within the banking sector. Here are some key ways in which PBBK makes money:

• Interest Income: One of the primary sources of revenue for PBBK is interest income generated from loans and other interest-earning assets. As a bank, PBBK provides various types of loans to customers, such as mortgages, personal loans, and business loans. The interest charged on these loans contributes significantly to the company's revenue.
• Fee-Based Services: PBBK also earns money through fee-based services offered to customers. These services may include account maintenance fees, overdraft fees, ATM fees, and other charges associated with banking transactions. Additionally, PBBK may earn fees from providing wealth management services, investment advice, and other financial services to clients.
• Investments: Another way PBBK generates revenue is through investments in securities and other financial instruments. The company may invest in stocks, bonds, and other assets to generate income from dividends, interest, or capital gains.
• Merchant Services: PBBK may also earn money by providing merchant services to businesses. These services may include processing credit card payments, handling electronic fund transfers, and providing other payment processing solutions to merchants.
• Other Income Streams: In addition to the above sources of revenue, PBBK may also generate income from other sources, such as insurance products, treasury management services, and foreign exchange transactions.