FIRST BUSINESS FINANCIAL SERVICES, INC.

First Business Financial Services operates as a bank holding company through its subsidiary, First Business Bank, serving small- to medium-sized businesses, business owners, professionals, and high-net-worth individuals in the Upper Midwest and Kansas City. The company generates revenue through commercial real estate and commercial & industrial lending (including specialized products such as asset-based lending, accounts receivable financing, equipment financing, and SBA lending), treasury management services, private wealth management, and consulting services to financial institutions. Rather than operating as a traditional retail bank with branch networks, the company emphasizes deep client relationships and specialized financial expertise concentrated across a few physical offices and a distributed workforce.