UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 11-K
FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS
AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
| ☒ |
ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.
|
For the fiscal year ended December 31, 2023
OR
| ☐ |
TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.
|
For the transition period from _______________ to _______________
Commission File Number 001-38778
A. Full title of the plan and the address of the plan, if different from that of the issuer named below:
PyraMax Bank, FSB 401(k) Savings Plan
B: Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:
1895 Bancorp of Wisconsin, Inc.
7001 West Edgerton Ave.
Greenfield, Wisconsin 53220
PyraMax Bank, FSB 401(k) Savings Plan
Greenfield, Wisconsin
Financial Statements and Supplemental Schedule
December 31, 2023 and 2022
Contents
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Report of Independent Registered Public Accounting Firm
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2
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Financial statements
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Statements of net assets available for benefits
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3
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Statement of changes in net assets available for benefits
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4
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Notes to financial statements
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5-10
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Supplementary information
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|
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Schedule H, line 4i – schedule of assets (held at end of year)
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11-12
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Report of Independent Registered Public Accounting Firm
To the Plan Administrator and Participants
PyraMax Bank, FSB 401(k) Savings Plan
Greenfield, Wisconsin
Opinion on the Financial Statements
We have audited the accompanying statements of net assets available for benefits of PyraMax Bank, FSB 401(k) Savings Plan (the Plan) as of December 31, 2023 and 2022, and the related statement of changes in net assets available for benefits for the year ended December 31, 2023, and the related notes
(collectively referred to as the financial statements). In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2023 and 2022, and
the changes in net assets available for benefits for the year ended December 31, 2023, in conformity with accounting principles generally accepted in the United States of America.
Basis for Opinion
These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on the Plan’s financial
statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States of America) (PCAOB) and are required to be independent with respect to the Plan in accordance with the
U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.
We conducted our audits in accordance with standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable
assurance about whether the financial statements are free from material misstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting.
As part of our audits we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Plan’s internal control over financial reporting.
Accordingly, we express no such opinion. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks.
Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as
well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.
Supplemental Information
The supplemental information in the accompanying Schedule H, Line 4i –
Schedule of Assets (Held at End of Year) as of December 31, 2023 has been subjected to audit procedures performed in conjunction with the audit of PyraMax Bank, FSB 401(k) Savings Plan’s financial statements. The supplemental information is the
responsibility of the Plan’s management. Our audit procedures include determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures
to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information, we evaluated whether the supplemental information, including its form and content, is
presented in conformity with the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information is fairly stated in all material
respects in relation to the financial statements as a whole.
/s/ Wipfli LLP
We have served as the Plan’s auditor since 2011.
June 18, 2024
Madison, Wisconsin
2
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PyraMax Bank, FSB 401(k) Savings Plan
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|||
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Statements of Net Assets Available for Benefits
|
|||
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December 31, 2023 and 2022
|
|||
|
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2023
|
2022
|
|
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Investments at fair value
|
$ 11,430,053
|
$ 10,099,837
|
|
|
Fully benefit-responsive investment contract, at contract value
|
—
|
302,948
|
|
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Receivables:
|
|||
|
Sponsor contributions
|
30,564
|
37,037
|
|
|
Notes receivable from participants
|
203,549
|
167,181
|
|
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Total receivables
|
234,113
|
204,218
|
|
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Net assets available for benefits
|
$ 11,664,166
|
$ 10,607,003
|
|
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See accompanying notes to financial statements.
|
3
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PyraMax Bank, FSB 401(k) Savings Plan
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Statement of Changes in Net Assets Available for Benefits
|
|
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Year Ended December 31, 2023
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|
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2023
|
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Additions:
|
|
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Investment Income:
|
|
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Net appreciation in fair value of investments
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$ 1,226,472
|
|
Investment income from interest and dividends
|
195,732
|
|
Total investment income
|
1,422,204
|
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Interest income on notes receivable from participants
|
14,404
|
|
Contributions:
|
|
|
Participants
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676,761
|
|
Sponsor
|
421,131
|
|
Rollovers
|
4,840
|
|
Total contributions
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1,102,732
|
|
Total additions
|
2,539,340
|
|
Deductions:
|
|
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Benefits paid to participants
|
1,472,992
|
|
Administrative expenses
|
9,185
|
|
Total deductions
|
1,482,177
|
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Net increase in net assets available for benefits
|
1,057,163
|
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Net assets available for benefits:
|
|
|
Beginning of year
|
10,607,003
|
|
End of year
|
$ 11,664,166
|
|
See accompanying notes to financial statements.
|
4
PyraMax Bank, FSB 401(k) Savings Plan
Notes to Financial Statements
| Note 1. |
Description of Plan
|
The PyraMax Bank, FSB 401(k) Savings Plan (the “Plan”) is a participant-directed defined contribution plan sponsored by PyraMax Bank, FSB (the “Sponsor”).
The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). The following brief description of the Plan provides only general information; participants should refer to the plan document or
summary plan description for a more complete description of the Plan’s provisions.
Plan Administration
The Plan is administered by the Sponsor. The Plan trustee is Principal Trust Company. Peak Retirement Group is the third-party administrator of the Plan.
Eligibility
Substantially all employees are eligible to participate in the Plan after they have completed one month of service and attained the age of eighteen.
Temporary employees are not eligible to participate in the Plan. Employees are eligible for the Sponsor matching contributions after they have completed six consecutive months of service and attained the age of eighteen. In addition to these
requirements, participants must be employed on the last day of the year and have completed 1,000 hours of service during the Plan year to be eligible for any profit-sharing contribution.
Contributions
Participants may elect to defer up to 100% of their annual compensation, as defined in the Plan, not to exceed the limits of the Internal Revenue Service
(“IRS”). Eligible employees that do not make a deferral election are automatically enrolled to contribute 6% of compensation. Participants may also contribute amounts representing distributions from other qualified plans (“rollovers”). The Plan
includes a Roth 401(k) component in order for employees to make after-tax deferrals into the Plan.
The Sponsor made matching contributions of 100% on the first 6% contributed by the participants during 2023. The Sponsor made true-up contributions during
2024 that are included in the sponsor contributions on the statement of changes in net assets available for benefits. The Sponsor did not make any discretionary profit sharing contributions during 2023.
Investment Options
The Plan is intended to satisfy the requirements under Section 404(c) of ERISA, and therefore, provides that participants choose how to direct their
contributions among the Plan’s investment alternatives. All investments are participant directed. For a more complete description of the Plan’s investments, participants should refer to the summary plan description and investment prospectuses.
Participant Accounts
Each participant’s account is credited with the participant’s contributions, Sponsor contributions, and allocations of Plan earnings/losses thereon and
charged with an allocation of administrative expenses. Allocations of the Sponsor’s discretionary profit-sharing contributions are based on a uniform percentage of the participant’s compensation. The benefit to which a participant is entitled is
the benefit that can be provided from the participant’s vested account.
5
PyraMax Bank, FSB 401(k) Savings Plan
Notes to Financial Statements
| Note 1. |
Description of Plan (continued)
|
Vesting
Participants are immediately vested in their contributions plus earnings thereon. Participants are also immediately vested in matching contributions made
by the Sponsor and any earnings thereon, as the Sponsor has elected to make these contributions as safe harbor contributions.
Forfeitures
Forfeitures are portions of participant account balances that participants surrender by terminating employment prior to becoming fully vested. Forfeitures
of the Sponsor’s matching and profit sharing contributions are used to reduce the Sponsor’s matching contributions or administrative expenses. During 2023, there were no forfeitures used to reduce the Sponsor’s matching contributions. Forfeitures
available to offset future Sponsor contributions or administrative expenses as of December 31, 2023 and 2022, totaled $1 and $0, respectively.
Payment of Benefits
Upon termination of service due to retirement, separation, death or disability, a participant may elect to receive the value of the vested interest in his
or her account as a lump-sum distribution or in regular installment distributions over a period not to exceed the joint life expectancy of the participant and his or her beneficiary. Under certain circumstances, participants may qualify to receive
a hardship distribution from their account balance. In-service distributions may also be made upon the participant reaching age 59 ½.
Notes Receivable from Participants
Participants may receive a loan from their account balances at the lesser of $50,000 or 50% of the participant’s vested account balance. The minimum loan
amount is $1,000. The loans are secured by the balance in the participant’s account and bear interest at rates ranging from 4.25% to 9.5%. Interest rates are determined by the plan administrator to be commensurate with local prevailing rates.
Principal and interest is paid through payroll deductions.
| Note 2. |
Summary of Significant Accounting Policies
|
Basis of Accounting
The financial statements of the Plan are prepared on the accrual basis of accounting in accordance with accounting principles generally accepted in the
United States of America (“GAAP”).
Use of Estimates in Preparation of Financial Statements
The preparation of the accompanying financial statements in accordance with GAAP requires the Plan’s management to make estimates and assumptions that
affect the reported amounts of assets and liabilities and changes therein and disclosure of contingent assets and liabilities. Actual results could differ from those estimates and are subject to change in the near term.
6
PyraMax Bank, FSB 401(k) Savings Plan
Notes to Financial Statements
| Note 2. |
Summary of Significant Accounting Policies (continued)
|
Notes Receivable from Participants
Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Interest income is recorded on the
accrual basis. Related fees are recorded as administrative expenses and are expensed when they are incurred. Delinquent notes receivable from participants are reclassified as distributions based upon the terms of the Plan document.
Investment Valuation and Income Recognition
The Plan’s investments are reported at fair value (except for fully benefit-responsive investment contracts). Fair value is the price that would be received
to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.
Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the
ex-dividend date. Net appreciation (depreciation) includes the Plan’s gains and losses on investments bought and sold as well as held during the year.
Fully benefit-responsive contracts are reported at contract value, which is the amount participants would normally receive if they were to initiate
permitted transactions under the terms of the Plan.
Payment of Benefits
Benefits are recorded when paid.
Administrative Expenses
Certain administrative expenses of the Plan are paid by the Plan. The majority of the Plan’s administrative expenses are paid by the Sponsor and are
excluded from these financial statements.
Subsequent Events
The Sponsor has evaluated subsequent events through the date of this report.
7
PyraMax Bank, FSB 401(k) Savings Plan
Notes to Financial Statements
| Note 3. |
Risks and Uncertainties
|
The Plan invests in various investment securities. Investment securities are exposed to various risks such as interest rate, market, and credit risks. Due
to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in values of investment securities will occur in the near term and that such changes could materially affect participants’ account
balances and the amounts reported in the statements of net assets available for benefits.
| Note 4. |
Fair Value Measurements
|
GAAP establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest
priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The three levels of the fair value hierarchy are described below:
| Level 1: |
Inputs to the valuation methodology are unadjusted quoted prices for identical assets or liabilities in active markets that the Plan has the ability to access.
|
| Level 2: |
Inputs to the valuation methodology include:
|
|
• Quoted prices for similar assets or liabilities in active markets
• Quoted prices for identical or similar assets or liabilities in inactive markets
• Inputs other than quoted prices that are observable for the asset or liability
• Inputs that are derived principally from or corroborated by observable market data by correlation or other means
If the asset or liability has a specified (contractual) term, the Level 2 input must be observable for substantially the full term of the
asset or liability
|
| Level 3: |
Inputs to the valuation methodology are unobservable and significant to the fair value measurement.
|
The asset’s or liability’s fair value measurement level within the fair value hierarchy is based on the lowest level of input that is significant to the
fair value measurement. Valuation techniques maximize the use of relevant observable inputs and minimize the use of unobservable inputs.
Mutual Funds: Valued at the daily
closing price as reported by the fund. Mutual funds held by the Plan are generally open-end mutual funds that are registered with the Securities and Exchange Commission. These funds are required to publish their daily net asset value (NAV) and to
transact at that price. The mutual funds held by the Plan are deemed to be actively traded.
Common Stock: Shares of common
stock are valued at their quoted price in an active market.
Collective Investment Trust:
Fair value is estimated using NAV per unit by the issuer and is based on the NAV of the underlying investments held in the collective investment trust. Investments in the collective investment trusts can be purchased or sold continuously. These
funds generally invest in open-ended mutual funds, insurance company separate accounts, unaffiliated mutual funds and unaffiliated collective trust funds. A notice of redemption is not required. The Plan has no obligation to buy additional units.
8
PyraMax Bank, FSB 401(k) Savings Plan
Notes to Financial Statements
| Note 4. |
Fair Value Measurements (Continued)
|
The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values.
Furthermore, while the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in
a different fair value measurement at the reporting date.
The following tables set forth by level, within the fair value hierarchy, the Plan’s investments at fair value as of December 31, 2023 and 2022:
|
Assets at Fair Value as of December 31, 2023
|
||||
|
Description
|
Level 1
|
Level 2
|
Level 3
|
Total
|
|
Mutual Funds
|
$ 9,132,848
|
$ —
|
$ —
|
$ 9,132,848
|
|
Common Stock
|
454,623
|
—
|
—
|
454,623
|
|
Investment assets measured at NAV
|
1,842,582
|
|||
|
$ 9,587,471
|
$ —
|
$ —
|
$ 11,430,053
|
|
|
Assets at Fair Value as of December 31, 2022
|
||||
|
Description
|
Level 1
|
Level 2
|
Level 3
|
Total
|
|
Mutual Funds
|
$ 8,684,564
|
$ —
|
$ —
|
$ 8,684,564
|
|
Common Stock
|
682,873
|
—
|
—
|
682,873
|
|
Investment assets measured at NAV
|
732,400
|
|||
|
$ 9,367,437
|
$ —
|
$ —
|
$ 10,099,837
|
|
To assess the appropriate classification of investments within the fair value hierarchy, the availability of market data is monitored. Changes in economic
conditions or valuation techniques may require the transfer of investments from one fair value level to another. In such instances, the transfer is reported at the beginning of the reporting period. The Plan evaluates the significance of transfers between levels based upon the nature of
the investment and size of the transfer relative to total net assets available for benefits.
| Note 5. |
Fixed Income Guaranteed Option
|
During 2022, the Plan’s investment options included the Principal Fixed Income Guaranteed Option (FIGO) which is a guaranteed general account-backed group
annuity contract issued by Principal Life Insurance Company (Principal) to Principal Trust Company as custodian. During 2023, the Plan’s investment in the FIGO was liquidated. As of December 31, 2023, the FIGO was not an investment option. The
FIGO has a contractually guaranteed rate of interest which is credited to participants’ accounts. The FIGO is considered a fully benefit-responsive investment and, therefore, was reported at contract value. Participants may ordinarily direct the
withdrawal or transfer of all or a portion of their investment at contract value.
9
PyraMax Bank, FSB 401(k) Savings Plan
Notes to Financial Statements
There were no reserves against contract value for credit risk of the contract issuer or otherwise. The crediting interest rate is based on the earnings of
the underlying assets in the entire medium-long term new portfolio compared to the minimum interest crediting rate, as stated in the contract, and prevailing market conditions. Interest crediting rate is reset quarterly.
Certain events may limit the ability of the Plan to transact at contract value with the issuer. The plan administrator does not believe that any events
which would limit the plan’s ability to transact at contract value with participants are probably of occurring.
| Note 6. |
Plan Termination
|
Although the Sponsor has not expressed any intent to do so at the present time, the Sponsor has the right under the Plan to discontinue its contributions at
any time and to terminate or partially terminate the Plan subject to the provisions of ERISA. In the event of Plan termination, participants would become fully vested in their accounts.
| Note 7. |
Tax Status
|
The IRS has determined and informed the Plan by a letter that the Plan and related trust are designed in accordance with applicable sections of the Internal
Revenue Code (“IRC”). Although the Plan has been amended since receiving the determination letter, the plan administrator believes that the Plan is designed, and is currently being operated, in compliance with the applicable requirements of the
IRC and, therefore, believes that the Plan is qualified and the related trust is tax exempt.
| Note 8. |
Related Party and Party-In-Interest
|
As of December 31, 2023, the Plan held 65,039 shares of 1895 Bancorp of Wisconsin, Inc. common stock, valued at $454,623. As of December 31, 2022, the Plan
held 68,287 shares of 1895 Bancorp of Wisconsin, Inc. common stock, valued at $682,873. During the year ended December 31, 2023, Plan purchases of Bancorp of Wisconsin, Inc. common stock totaled $11,798 and Plan sales of 1895 Bancorp of Wisconsin,
Inc. common stock totaled $32,408. Transactions involving notes receivable from participants and investment funds administered by affiliates of Principal Trust Company are considered party-in-interest transactions. The purchases of and investment
in common stock of 1895 Bancorp of Wisconsin, Inc. are also considered party-in-interest transactions and related party transactions. These transactions are not, however, considered prohibited transactions under ERISA regulation.
10
|
PyraMax Bank, FSB 401(k) Savings Plan
|
|||||
|
Schedule H, Line 4i – Schedule of Assets (Held at End of Year)
|
|||||
|
December 31, 2023
|
|||||
|
Employer Identification Number: 39-0624390
|
|||||
|
Plan Number: 002
|
|||||
|
(a)
|
(b)
|
(c)
|
(d)
|
(e)
|
|
|
Description of Investment,
|
|||||
|
Identity of Issuer, Borrower,
|
Including Maturity Date, Rate of Interest,
|
Current
|
|||
|
Lessor, or Similar Party
|
Collateral, Par, Maturity Value
|
Cost**
|
Value
|
||
|
Mutual funds, registered investment companies
|
|||||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2065 K Fund
|
$ 35,434
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2060 K Fund
|
148,492
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2055 K Fund
|
379,082
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2050 K Fund
|
280,035
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2045 K Fund
|
530,664
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2040 K Fund
|
491,880
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2035 K Fund
|
448,546
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2030 K Fund
|
373,842
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index Retirement K Fund
|
420,458
|
|||
|
BlackRock Advisors, LLC
|
BlackRock LifePath Index 2025 K Fund
|
313,410
|
|||
|
AB LP
|
AB Large Cap Growth Z Fund
|
663,216
|
|||
|
American Beacon
|
American Beacon International Equity Fund
|
40,895
|
|||
|
American Funds
|
New Perspective Fund
|
89,999
|
|||
|
American Funds
|
American Funds New World R6 Fund
|
75,624
|
|||
|
Eagle Financial Services, Inc.
|
Carillon Eagle Mid-Cap Growth Fund
|
31,525
|
|||
|
Eaton Vance
|
Eaton Vance Floating Rate I Fund
|
141,021
|
|||
|
Fidelity
|
Fidelity 500 Index Fund
|
1,616,059
|
|||
|
Fidelity
|
Fidelity Mid-Cap Index Fund
|
644,070
|
|||
|
Fidelity
|
Fidelity Small-Cap Index Fund
|
421,853
|
|||
|
Goldman Sachs
|
Goldman Sachs Small Cap Value Insights Fund
|
416,643
|
|||
|
Guggenheim
|
Total Return Bond Fund
|
260,344
|
|||
|
Janus Henderson
|
Janus Henderson Multi-Sector Income Fund
|
293,266
|
|||
|
MFS Investment Management
|
MFS International Diversification Fund
|
71,473
|
|||
|
PGIM Investments
|
PGIM Global Real Estate Fund
|
140,404
|
|||
|
PIMCO Funds
|
PIMCO Real Return Fund
|
172,701
|
|||
|
Putnam Investments
|
Putnam Convertible Securities Fund
|
113,063
|
|||
|
Robert W. Baird & Co., Inc.
|
Baird Aggregate Bond Fund
|
225,069
|
|||
|
Vanguard Group
|
Vanguard Explorer Fund
|
293,780
|
|||
|
Collective Investment Trusts
|
|||||
|
Great Gray Trust Company
|
Emerging Markets R1 Fund
|
163,802
|
|||
|
Great Gray Trust Company
|
Great Gray EuroPacific Growth Trust Class R1
|
565,714
|
|||
|
Great Gray Trust Company
|
Mid Cap Value R1 Fund
|
234,818
|
|||
|
flexPATH Strategies
|
Stable Value R1 Fund
|
326,861
|
|||
|
Wilmington
|
Wilmington Large Cap Value R1 Fund
|
551,387
|
|||
|
(Continued)
|
|||||
11
|
PyraMax Bank, FSB 401(k) Savings Plan
|
|||||
|
Schedule H, Line 4i – Schedule of Assets (Held at End of Year) - Page 2
|
|||||
|
December 31, 2023
|
|||||
|
Employer Identification Number: 39-0624390
|
|||||
|
Plan Number: 002
|
|||||
|
(a)
|
(b)
|
(c)
|
(d)
|
(e)
|
|
|
Description of Investment,
|
|||||
|
Identity of Issuer, Borrower,
|
Including Maturity Date, Rate of Interest,
|
Current
|
|||
|
Lessor, or Similar Party
|
Collateral, Par, Maturity Value
|
Cost**
|
Value
|
||
|
Common Stock
|
|||||
|
*
|
1895 Bancorp of Wisconsin, Inc.
|
65,039 Shares of Common Stock
|
454,623
|
||
|
Participant loans:
|
|||||
|
*
|
Participants
|
4.25% – 9.50%; maturing through 2028
|
$0
|
203,549
|
|
|
$ 11,633,602
|
|||||
|
*
|
Designates party-in-interest.
|
||||
|
**
|
Cost is not required for participant-directed investments
|
||||
12
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have
duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.
|
PYRAMAX BANK, FSB 401(K) SAVINGS PLAN
|
||
|
Date: June 20, 2024
|
By:
|
/s/ Monica Baker
|
|
Monica Baker
|
||
|
Executive Vice President and Chief Operating Officer
|
EXHIBIT INDEX
|
Exhibit Number
|
Description
|