Brentwood Bank

I. Overview and historical evolution

Founded in 1922 to serve workers in the South Hills area of Pittsburgh, Pennsylvania, Brentwood Bank was the first to set up temporary counters from slats and orange boxes, embodying its original mission to "serve the community." Today, the bank still adheres to the business philosophy of "customer relationship first", and has developed a complete financial system covering individuals, businesses, wealth management and online services.

Today, Brentwood Bank is a local community bank with assets of nearly $950 million, with branches in the Pittsburgh area, and is trusted by local residents and businesses.

II. Organizational Structure and Team CultureBank

is headquartered in Bethel Park, Pennsylvania, with approximately 51–200 employees. The experienced management team emphasizes the local market and service quality, and pays attention to the following cultural concepts:

• local community orientation and attention to regional needs;

• Emphasizing customer relationship building and creating a "neighborhood banking experience";

• Employees generally have backgrounds in residential loans, commercial loans, wealth management and other fields;

• Employees such as Hugh Connolly, Trish Nee and others have been serving community customers for a long time and are well received.

III. Branch Network and Customer Service

Entity Network Layout
Currently, Brentwood Bank operates six physical branches in Pittsburgh, including:

• Brentwood's main branch

, one

• each in Bethel Park

• , Bridgeville, Beaver and Wexford

At the same time, there is a "mobile branch", which is designed for door-to-door financial services for elderly communities and customers with reduced mobility.

Customer Solutions

• is open Monday to Friday 08:00–19:00 and Saturday until 13:00

• Provide personalized advisory services, covering savings, loans, wealth management and other

• customer interactions, emphasizing the "financial neighbor" experience, high service temperature

Fourth, product line and financial services

personal banking

• chequing accounts: including Interest Rewards Checking, Cash Back Rewards Checking, Student CheckingSavings

• products: High Yield Savings, Money Market, CD, IRA, Holiday Club

• online and mobile banking: support deposit, bill payment, e-billing, digital wallet binding and other functional

lending services

• Residential Loans, Home Construction LoansHome

• Equity Loans & Line

of

• CreditPersonal Loans (including Student Loans),

• Corporate Loans & Credit Instruments

Corporate & Institutional Financial Services

• SME Business Loans, Business Credit Cards, Cash ManagementMunicipal

• & Non-Profit Banking

• ServicesBethel Park since 2011 School District provides $

• 150 million in deposit insurance for municipal financial solutions, protected by the

V. Community Engagement & Social Responsibility

Brentwood Bank Demonstrate a strong sense of community responsibility by actively participating in local public welfare and charity projects:

• donated $25,000 to City Mission's "Finish Strong Campaign"

• and employees participated in Dress for Community support programs such as Success Pittsburgh

• provide financial education resources to help residents improve their financial literacy

6. Financial health and rating performance

• With total assets of over US$950 million and strong operations

,

• the Bank has been awarded the highest five-star rating by Bauer Financial, reflecting its excellent capital adequacy and asset quality

• , and its high reputation and customer trust in the Pittsburgh area

7 Competitive environment and advantagesComparison

of community banks' positioning advantages

• compared with large banks It has faster response speed and local decision-making power

• , pays attention to local capital circulation, supports small and micro enterprises and residents to develop intimate and

• flexible services, and strengthens the trust between people to connect

products and technological competitiveness

• multi-account products adapt to different user groups

• , complete mobile and online banking functions,

and provide

• customized financial solutions

8. Challenges and Future Development

OpportunitiesChallenges

• limited geographical coverage, limited expansion space, limited by regional influence,

• digital services face competition from large banks and emerging fintech platforms

• The challenge of talent introduction and retention is to attract financial professionals to serve the community

• , and macro interest rate fluctuations and regulatory requirements will put pressure

future development opportunities

• expand regional service outlets, or enhance the radiation capabilities of digital channels

• , continue to optimize the user experience of online banking, launch integrated services such as virtual cards and POS,

• promote green finance, and develop green mortgage loans and sustainable community investment projects

• Strengthen cooperation with education and non-profit organizations to expand influence and trust foundation

9. Comprehensive EvaluationBrentwood

Bank is a local commercial bank with a long history rooted in the community. Its advantages lie in its humanized service, diversified products, robust risk management, and outstanding performance in community influence. Despite its limited size, it has built a solid financial services network in the southern Pittsburgh area.

By continuously optimizing its digital capabilities, expanding local collaborations, promoting green products and improving service efficiency, Brentwood Bank is expected to remain dynamic in the regional banking market and become an excellent example of sustainable operation for small and medium-sized banks.