East Wisconsin Savings Bank

What East Wisconsin Savings Bank does

East Wisconsin Savings Bank is a privately held community savings bank established in 1887 and headquartered in East Wisconsin, operating under FDIC insurance (routing number 275971029) and NMLS mortgage lending licensure (447029). The bank serves individual consumers and small-to-medium businesses through a multi-channel distribution model that combines physical branch locations across the East Wisconsin region with digital banking platforms, including an online banking portal, a mobile banking application, and Zelle peer-to-peer payment integration. The product suite spans personal banking (checking, savings, certificates of deposit, money market accounts, IRAs, HSAs, credit cards, and overdraft protection), business banking (checking, savings, loans and lines of credit, and treasury management), residential and consumer lending (home purchase, construction, refinance, HELOC, and personal loans for autos, boats, RVs, and motorcycles), and investment and insurance services distributed through partnership channels.

The business model is a traditional community bank net interest income franchise supplemented by fee and commission revenue. Primary revenue derives from interest charged on a diversified loan portfolio including mortgages, home equity, personal, vehicle, and commercial loans, offset by interest paid on deposits across checking, savings, CDs, money market, and IRA accounts. Secondary revenue streams include service charges on ATM transactions, overdrafts, and account maintenance, plus commission income from investment advisory and insurance product distribution. Pricing for deposit products follows a subscription model with variable rates disclosed at account opening, while loan pricing is unit/quote-based on creditworthiness and term. The go-to-motion is direct-to-consumer, anchored by local decision-making, personalized service, and community engagement under the "Power of Community" program.

The bank shows characteristics of a stable, established regional institution with limited public financial disclosure (no revenue, headcount, or asset figures available). A reference to EWSB Bancorp, Inc. in the website navigation suggests an existing holding company structure, though detailed ownership and capital information are not publicly disclosed. Technology infrastructure is standard retail banking: a web-based online banking platform, a native mobile application, Zelle for instant P2P payments, and a secure document transfer feature, all positioned to complement rather than replace branch-based relationship banking.

Name

East Wisconsin Savings Bank

Legal name

East Wisconsin Savings Bank

Website

https://eastwis.com

Company type

Private

Founded year

1887

Operating status

Operating

Headcount range

101–250 employees

Short description

East Wisconsin Savings Bank is a privately held Wisconsin community bank founded in 1887 serving individual consumers and small-to-medium businesses with personal banking, mortgages, business lending, and investment and insurance services through physical branches and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Community banking
• Personal banking
• Business banking
• Mortgage lending
• Investment services

Headquarters

HQ city

Kaukauna

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on mortgages, home equity loans, personal loans, auto loans, boat/RV/motorcycle loans, and business loans
2. Deposit Interest Expenses: Interest paid to depositors on checking, savings, CDs, money market accounts, and IRAs
3. Service Charges and Fees: Fees from ATM transactions, overdraft services, and account maintenance
4. Investment and Insurance Services: Commission-based revenue from investment services and insurance products offered through partnerships

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

East Wisconsin Savings Bank is a community savings bank that provides deposit accounts (checking, savings, CDs, money market, IRAs, HSAs), consumer and commercial lending (mortgages, home equity, personal, auto/boat/RV/motorcycle, and business loans), credit cards, and investment and insurance services. Products are delivered through FDIC-insured branch locations in East Wisconsin and complemented by online and mobile banking channels including Zelle for person-to-person payments.

Product overview

East Wisconsin Savings Bank is a traditional community bank offering a comprehensive suite of banking products and services. The portfolio includes personal banking products (checking, savings, CDs, money market, IRA, HSA, overdraft protection, and credit cards), business banking solutions (checking, savings, loans, and treasury management), residential and consumer lending (home purchase, construction, refinance, HELOC, and personal loans), and investment and insurance services. Digital banking is supported through online and mobile platforms with features including Zelle for P2P payments and secure file transfer. All products are designed for community banking customers, with local decision-making and personal guidance emphasized as key differentiators.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Personal checking account offerings with various features for everyday banking needs of individual consumers in East Wisconsin.
• Savings Accounts Personal savings accounts for accumulating funds with competitive variable interest rates for individual consumers.
• Certificates of Deposit (CDs) Term deposit accounts offering fixed interest rates for set time periods.
• Money Market Accounts Savings accounts with higher interest rates that may include limited check-writing privileges.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings accounts including traditional and Roth IRA options for individual retirement planning.
• Health Savings Accounts (HSA) Tax-advantaged accounts for covering qualified medical expenses when paired with high-deductible health plans.
• Overdraft Options Protection services to cover overdrafts on checking accounts for personal banking customers.
• Credit Cards Personal credit card products for purchasing and revolving credit for individual consumers.
• Business Checking Checking accounts designed for business operations and cash management needs of local businesses and commercial enterprises.
• Business Savings Savings accounts tailored for business financial management needs of local businesses.
• Business Loans & Lines of Credit Financing options for business growth, operations, working capital, and commercial real estate for local businesses.
• Treasury & Business Solutions Comprehensive treasury management and business banking solutions for commercial customers.
• Home Purchase Loan Mortgage financing for purchasing residential property, with all loan processing, funding, and servicing handled locally.
• Home Construction Loan Financing for building new residential homes from the ground up, handled in-house from application through funding and servicing.
• Home Refinance Mortgage refinancing options to potentially lower rates or change loan terms for existing homeowners.
• Home Equity Loan & Line of Credit (HELOC) Loans leveraging home equity for major purchases, debt consolidation, or other financial needs of homeowners.
• Personal Loans Unsecured loans for various personal financial needs including auto, boat, RV, and motorcycle financing.
• Investment Services Wealth management and investment advisory services for personal and business clients through partnership-based delivery.
• Insurance Services Insurance products to protect assets including auto, home, and life coverage delivered through partnerships.
• Online Banking Web-based platform for account access, transactions, transfers, payments, and e-Statement enrollment for existing customers.
• Mobile Banking App Smartphone application for banking on-the-go with mobile check deposit, account management, Zelle payments, and loan payments.
• Zelle Person-to-person payment service for sending money directly between bank accounts within minutes.
• Secure File Transfer Secure method for transferring sensitive documents to the bank online.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Nicolet Bankshares: Wisconsin-based community bank with full personal, business, and mortgage banking plus wealth management. Closely comparable in scale, geography, and product breadth to EWSB.
• Associated Banc-Corp: Wisconsin-headquartered community/regional bank offering personal, business, mortgage, and wealth services across the Midwest. Directly comparable as a Wisconsin-rooted, multi-product deposit and lending franchise competing for the same customers.
• Bank First Corporation: Wisconsin community bank providing consumer, business, and mortgage banking with a relationship-driven model. Comparable as a single-state community franchise with a similar product set and customer focus.
• First Business Financial Services: Wisconsin-based business bank offering business banking, lending, and treasury management. Comparable for the business banking and commercial lending segments of EWSB's portfolio.
• Commerce State Bank: Wisconsin community bank serving consumer and small business customers with deposits, loans, and digital banking. Comparable as a smaller in-state community peer operating in adjacent Wisconsin markets.
• Citizens Community Federal Bank: Midwestern community bank focused on consumer and small business banking with deposit and loan products. Comparable as a smaller community peer with a similar relationship-driven model.

Regional players

• Wintrust Financial: Chicago-based multi-state community banking group with personal, business, mortgage, and wealth services across the Midwest. Comparable business model but larger scale and broader geography than EWSB.

Broad incumbents

• Huntington Bancshares: Large regional bank serving the Midwest with consumer, small business, and commercial banking. Overlaps with EWSB in Wisconsin geography but at substantially greater scale and product depth.
• U.S. Bancorp: National super-regional bank with deep Midwest retail and business banking presence. Comparable across most product categories but operates at vastly larger scale and broader geographic footprint than EWSB.
• JPMorgan Chase: Largest U.S. bank with national retail, mortgage, business, and wealth services including significant Wisconsin branch and digital presence. Represents the scale competitor EWSB faces for both deposits and lending relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about East Wisconsin Savings Bank