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First Business Financial Services, Inc. (FBFS) is a bank holding company engaged in the commercial banking business through its wholly owned banking subsidiaries First Business Bank and First Business Bank, Milwaukee (referred to as the Banks). All of the operations of FBFS are conducted through the Banks and certain subsidiaries of First Business Bank. The Company operates as a business bank focusing on delivering a full line of commercial banking products and services tailored to meet the specific needs of small and medium size businesses, business owners, executives, professionals and high net worth individuals. First Business Bank (FBB) is a state bank. FBB offers a full line of commercial banking products and services in the greater Madison, Wisconsin area, tailored to meet the specific needs of businesses, business owners, executives, professionals and high net worth individuals.(Source: 10-K)