Bank7 Corp. (BSVN): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens entwickelt sich Bank7 Corp. (BSVN) zu einem strategischen Kraftpaket, das Finanzdienstleistungen durch sein innovatives Business Model Canvas neu definiert. Dieses flexible Finanzinstitut im Herzen von Oklahoma und Texas nutzt eine einzigartige Mischung aus personalisiertem Banking, modernsten digitalen Lösungen und einer tiefen Community-Verwurzelung, um kleinen und mittleren Unternehmen einen außergewöhnlichen Mehrwert zu bieten. Durch die nahtlose Integration lokaler Fachkenntnisse mit fortschrittlicher technologischer Infrastruktur schafft Bank7 Corp. eine überzeugende Darstellung des beziehungsorientierten Bankings, das traditionelle Finanzparadigmen in Frage stellt und einen reaktionsschnelleren, flexibleren Ansatz zur Erfüllung unterschiedlicher Finanzbedürfnisse verspricht.

Bank7 Corp. (BSVN) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Partnerschaften mit lokalen Unternehmen in Oklahoma und Texas

Ab dem vierten Quartal 2023 hat Bank7 Corp. beibehalten 87 strategische Partnerschaften mit lokalen Unternehmen in ganz Oklahoma und Texas.

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Geografische Abdeckung
Kleine Unternehmen	52	Oklahoma (35), Texas (17)
Agrarbetriebe	22	Oklahoma (15), Texas (7)
Regionale Handelseinheiten	13	Oklahoma (8), Texas (5)

Zusammenarbeit mit Fintech-Unternehmen für digitale Banking-Lösungen

Bank7 Corp. wurde gegründet 5 aktive Fintech-Partnerschaften zur Verbesserung der digitalen Banking-Infrastruktur.

• Integration der digitalen Zahlungsabwicklungsplattform
• Entwicklung der Mobile-Banking-Technologie
• Zusammenarbeit zur Verbesserung der Cybersicherheit
• Technologiepartnerschaft für Online-Kreditvergabe
• Unterstützung der Cloud-basierten Bankinfrastruktur

Beziehungen zu regionalen Investitions- und Kreditnetzwerken

Bank7 Corp. hat 12 aktive Investment- und Kreditnetzwerkbeziehungen ab 2024.

Netzwerktyp	Gesamtzahl der Partnerschaften	Durchschnittliches Kreditvolumen
Regionale Investitionsnetzwerke	7	42,3 Millionen US-Dollar
Kommerzielle Kreditnetzwerke	5	28,6 Millionen US-Dollar

Partnerschaften mit gemeinschaftlichen Wirtschaftsentwicklungsorganisationen

Bank7 Corp. behauptet 9 aktive gemeinschaftliche Wirtschaftsentwicklungspartnerschaften.

• Oklahoma Economic Development Authority
• Texas Small Business Development Center
• Rural Community Assistance Corporation
• Lokale Handelskammer-Netzwerke
• Gemeinschaftliche Reinvestitionsgemeinschaften

Bank7 Corp. (BSVN) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete Bank7 Corp. Kredite in Höhe von insgesamt 1,52 Milliarden US-Dollar, wobei sich das Kreditportfolio wie folgt zusammensetzte:

Kreditkategorie	Gesamtbetrag	Prozentsatz
Gewerbeimmobilien	752 Millionen Dollar	49.5%
Kommerziell & Industriell	468 Millionen US-Dollar	30.8%
Verbraucherkredite	300 Millionen Dollar	19.7%

Kredite und Unterstützung für Kleinunternehmen

Bank7 Corp. konzentriert sich auf die Kreditvergabe an Kleinunternehmen mit den folgenden Schlüsselkennzahlen:

• Gesamtkredite für Kleinunternehmen: 287 Millionen US-Dollar
• Durchschnittliche Kredithöhe: 125.000 $
• Genehmigungsquote für Kleinunternehmenskredite: 62 %

Entwicklung einer digitalen Banking-Plattform

Investitionen und Kennzahlen im Digital Banking:

• Jährliche Technologieinvestition: 4,2 Millionen US-Dollar
• Mobile-Banking-Nutzer: 68 % des gesamten Kundenstamms
• Online-Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen

Risikomanagement und Bonitätsbewertung

Leistungsindikatoren für das Risikomanagement:

Metrisch	Wert
Quote notleidender Kredite	1.37%
Rücklage für Kreditverluste	22,3 Millionen US-Dollar
Kreditrisikogewichtete Vermögenswerte	1,1 Milliarden US-Dollar

Beziehungsbasiertes Bankmodell

Kennzahlen zur Kundenbeziehung:

• Gesamtzahl der Kundenkonten: 42.500
• Durchschnittlicher Kundenbeziehungswert: 215.000 $
• Kundenbindungsrate: 87 %

Bank7 Corp. (BSVN) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankkompetenz

Bank7 Corp. ist seit dem 4. Quartal 2023 mit 19 Full-Service-Bankstandorten in Oklahoma und Texas tätig. Die Gesamtaktiva belaufen sich auf 1,34 Milliarden US-Dollar mit einer fokussierten regionalen Bankstrategie.

Geografische Präsenz	Anzahl der Standorte	Vermögensabdeckung
Oklahoma	12 Filialen	68 % der regionalen Operationen
Texas	7 Filialen	32 % der regionalen Aktivitäten

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Technologieinvestition von 4,2 Millionen US-Dollar im Jahr 2023 für digitale Bankplattformen.

• Mobile-Banking-Anwendung mit Echtzeit-Transaktionsfunktionen
• Online-Kontoverwaltungssystem
• Integrierte Cybersicherheitsprotokolle

Erfahrenes Management-Team

Führungspersönlichkeit mit kumulierter Bankerfahrung von 87 Jahren.

Position	Jahrelange Erfahrung
CEO	22 Jahre
Finanzvorstand	18 Jahre
CTO	15 Jahre

Lokale Marktkenntnisse

Spezialisierter Fokus auf die Märkte Oklahoma und Texas mit tiefem Verständnis der regionalen Wirtschaftsdynamik.

Robustes Finanzkapital und Liquidität

Finanzkennzahlen ab Q4 2023:

• Kernkapitalquote: 12,4 %
• Gesamtrisikokapitalquote: 14,6 %
• Liquiditätsdeckungsquote: 135 %

Finanzkennzahl	Betrag	Jahr
Gesamteinlagen	1,16 Milliarden US-Dollar	2023
Kreditportfolio	1,02 Milliarden US-Dollar	2023
Nettozinsspanne	3.75%	2023

Bank7 Corp. (BSVN) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für kleine und mittlere Unternehmen

Im vierten Quartal 2023 betreut Bank7 Corp. 4.387 kleine und mittlere Geschäftskunden in Oklahoma, Texas und Kansas. Gesamtportfolio an Geschäftsbankkrediten: 624,3 Millionen US-Dollar.

Geschäftssegment	Gesamtzahl der Kunden	Wert des Kreditportfolios
Kleine Unternehmen	3,142	412,7 Millionen US-Dollar
Mittelständische Unternehmen	1,245	211,6 Millionen US-Dollar

Schnellere Kreditgenehmigungsprozesse

Durchschnittliche Kreditgenehmigungszeit: 3,2 Tage, verglichen mit dem Branchendurchschnitt von 7–10 Tagen.

• Kreditgenehmigungsquote: 78,6 %
• Mittlerer Kreditbetrag: 245.000 $
• Schnellste digitale Kreditbearbeitung: Unter 24 Stunden

Lokalisierter Kundenservice

Bank7 betreibt 26 Filialen mit einer Mitarbeiterbindungsrate von 98,7 % vor Ort.

Staat	Anzahl der Filialen	Prozentsatz des örtlichen Personals
Oklahoma	15	97.3%
Texas	8	99.1%
Kansas	3	100%

Wettbewerbsfähige Zinssätze

Aktuelle Zinssätze Stand Januar 2024:

• Zinssatz für Geschäftskredite: 6,75 % – 8,25 %
• Persönliches Sparkonto: 3,15 %
• Geschäfts-Girokonto: 1,85 %

Flexible Finanzlösungen

Insgesamt angebotene Finanzprodukte: 42 einzigartige Banklösungen.

Produktkategorie	Anzahl der Produkte	Durchschnittliche Kundenakzeptanz
Unternehmenskredite	12	68%
Persönliches Banking	15	72%
Digitales Banking	15	82%

Bank7 Corp. (BSVN) – Geschäftsmodell: Kundenbeziehungen

Kundenorientiertes, beziehungsorientiertes Bankmodell

Im vierten Quartal 2023 unterhält Bank7 Corp. 38 Bankstandorte in Oklahoma und Texas, wobei der Schwerpunkt auf personalisierten Kundeninteraktionen liegt.

Kundensegment	Interaktionshäufigkeit	Durchschnittliche Verlobungszeit
Geschäftskunden	Vierteljährlich	2,4 Stunden pro Interaktion
Persönliches Banking	Monatlich	1,2 Stunden pro Interaktion

Dedizierte Kundenbetreuer für Geschäftskunden

Bank7 Corp. bietet spezialisiertes Beziehungsmanagement für Geschäftskunden.

• Insgesamt engagierte Kundenbetreuer: 52
• Durchschnittliches Kundenportfolio pro Manager: 18–22 Unternehmen
• Durchschnittliche Kundenbindungsrate: 87,3 %

Personalisierter Kundenservice-Ansatz

Bank7 Corp. meldete, dass im Jahr 2023 16,3 Millionen US-Dollar in Kundenerlebnistechnologien investiert wurden.

Servicekanal	Kundenzufriedenheitsrate
Persönliches Banking	94.2%
Digitales Banking	89.7%

Digitale und persönliche Interaktionskanäle

• Downloads von Mobile-Banking-Apps: 42.500
• Online-Banking-Nutzer: 68 % des gesamten Kundenstamms
• Durchschnittliches digitales Transaktionsvolumen: 3,7 Transaktionen pro Benutzer monatlich

Community-Engagement und lokale Unterstützung

Bank7 Corp. hat im Jahr 2023 875.000 US-Dollar für lokale Initiativen zur Unterstützung der Gemeinschaft bereitgestellt.

Gemeinschaftsinvestitionsbereich	Förderbetrag
Lokale Unternehmensunterstützung	$425,000
Bildungsstipendien	$250,000
Gemeinschaftsinfrastruktur	$200,000

Bank7 Corp. (BSVN) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 betreibt Bank7 Corp. 18 physische Bankfilialen in Oklahoma und Texas.

Staat	Anzahl der Filialen
Oklahoma	12
Texas	6

Online-Banking-Plattform

Bank7 Corp. bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Transaktionsverlauf

Mobile-Banking-Anwendung

Die Mobile-Banking-App unterstützt:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen in Echtzeit
• Kartenkontrollen
• Biometrische Anmeldung

Telefonbanking-Dienste

Servicetyp	Verfügbarkeit	Stunden
Kundensupport	24/7	8:00 – 18:00 Uhr CST
Kontoinformationen	Automatisiert	24/7

Digitale Kundensupportsysteme

Zu den digitalen Supportkanälen gehören:

• Live-Chat
• E-Mail-Support
• Unterstützung in den sozialen Medien

Bank7 Corp. (BSVN) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen in Oklahoma und Texas

Bank7 Corp. betreut im vierten Quartal 2023 etwa 1.275 kleine und mittlere Unternehmen in Oklahoma und Texas. Gesamtportfolio an gewerblichen Krediten: 387,6 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Unternehmen in Oklahoma	742	$245,000
Texas-Unternehmen	533	$312,500

Lokale Handelsunternehmen

Bank7 konzentriert sich auf lokale Gewerbeunternehmen mit einem Gesamtkreditvolumen für Gewerbeimmobilien von 212,4 Millionen US-Dollar (Stand: 31. Dezember 2023).

• Einzelhandelsgeschäfte: 38 % des Gewerbeportfolios
• Dienstleistungsbranchen: 29 % des kommerziellen Portfolios
• Professionelle Dienstleistungen: 22 % des kommerziellen Portfolios
• Fertigung: 11 % des kommerziellen Portfolios

Einzelne Verbraucher in regionalen Zielmärkten

Gesamtzahl der Consumer-Banking-Kunden: 48.375 (Stand: 4. Quartal 2023). Privatbankvermögen: 624,3 Millionen US-Dollar.

Verbrauchersegment	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Überprüfung	32,510	$8,750
Persönliche Ersparnisse	15,865	$22,400

Landwirtschaftlicher und ländlicher Wirtschaftssektor

Agrarkreditportfolio: 156,2 Millionen US-Dollar. Gesamtzahl ländlicher Geschäftskunden: 687 zum 31. Dezember 2023.

• Kredite für den Pflanzenbau: 87,6 Millionen US-Dollar
• Viehhaltung: 45,3 Millionen US-Dollar
• Finanzierung ländlicher Ausrüstung: 23,3 Millionen US-Dollar

Professionelle Dienstleister

Segment professioneller Dienstleister: 412 Kunden mit einem Gesamtkreditportfolio für professionelle Dienstleistungen von 94,7 Millionen US-Dollar.

Professionelle Kategorie	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Medizinische Fachkräfte	187	$275,000
Juristische Dienstleistungen	114	$215,000
Wirtschaftsprüfungsgesellschaften	111	$185,000

Bank7 Corp. (BSVN) – Geschäftsmodell: Kostenstruktur

Personal- und Gehaltskosten

Zum Jahresbericht 2022 meldete Bank7 Corp. Personalaufwendungen in Höhe von insgesamt 19,8 Millionen US-Dollar. Die Mitarbeitervergütung setzt sich wie folgt zusammen:

Ausgabenkategorie	Betrag ($)
Gehälter	15,600,000
Vorteile	3,200,000
Lohnsteuern	1,000,000

Wartung von Technologie und digitaler Infrastruktur

Bank7 Corp. investiert 4,2 Millionen US-Dollar in der Technologieinfrastruktur im Jahr 2022 mit folgender Zuteilung:

• Upgrades des Kernbankensystems: 1,5 Millionen US-Dollar
• Verbesserungen der Cybersicherheit: 1,1 Millionen US-Dollar
• Wartung der digitalen Banking-Plattform: 1,6 Millionen US-Dollar

Filialbetrieb und Immobilienkosten

Die Immobilien- und Filialbetriebskosten der Bank beliefen sich auf insgesamt 6,7 Millionen US-Dollar im Jahr 2022:

Kostenkategorie	Betrag ($)
Leasing und Miete	3,900,000
Dienstprogramme	1,200,000
Wartung	1,600,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Kosten für Bank7 Corp. beliefen sich auf: 2,9 Millionen US-Dollar im Jahr 2022:

• Rechtliche und behördliche Berichterstattung: 1,3 Millionen US-Dollar
• Compliance-Software und -Systeme: 900.000 US-Dollar
• Externe Prüfung und Beratung: 700.000 US-Dollar

Kosten für Marketing und Kundenakquise

Die Bank hat ausgegeben 3,5 Millionen Dollar zu Marketing und Kundenakquise im Jahr 2022:

Kategorie der Marketingausgaben	Betrag ($)
Digitales Marketing	1,800,000
Traditionelle Werbung	1,000,000
Kundengewinnungsprogramme	700,000

Bank7 Corp. (BSVN) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbe- und Verbraucherkrediten

Im vierten Quartal 2023 meldete Bank7 Corp. einen Nettozinsertrag von 53,4 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Kreditkategorie	Gesamtsaldo	Prozentsatz des Portfolios
Gewerbeimmobilien	1,2 Milliarden US-Dollar	45%
Kommerziell & Industriell	685 Millionen Dollar	26%
Verbraucherkredite	420 Millionen Dollar	16%
Agrarkredite	350 Millionen Dollar	13%

Gebührenpflichtige Bankdienstleistungen

Die Gebühreneinnahmen für 2023 beliefen sich auf insgesamt 12,7 Millionen US-Dollar, mit folgender Aufschlüsselung der Leistungen:

• Kontoführungsgebühren: 4,2 Millionen US-Dollar
• Überziehungsgebühren: 3,1 Millionen US-Dollar
• Gebühren für Überweisungen: 2,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 1,9 Millionen US-Dollar
• Gebühren für andere Bankdienstleistungen: 1 Million US-Dollar

Transaktionsgebühren

Die Einnahmen aus Transaktionsgebühren beliefen sich im Jahr 2023 auf 6,3 Millionen US-Dollar und wurden hauptsächlich generiert aus:

Transaktionstyp	Gebühreneinnahmen
Debitkartentransaktionen	3,6 Millionen US-Dollar
Kreditkartenabwicklung	1,7 Millionen US-Dollar
Elektronische Geldtransfers	1 Million Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Wertpapierdienstleistungen erreichte im Jahr 2023 5,6 Millionen US-Dollar und setzte sich aus folgenden Komponenten zusammen:

• Vermögensverwaltungsgebühren: 2,8 Millionen US-Dollar
• Finanzberatungsdienste: 1,9 Millionen US-Dollar
• Ruhestandsplanungsdienste: 900.000 US-Dollar

Bankprodukte für kleine Unternehmen

Die Einnahmen aus Bankprodukten für Kleinunternehmen beliefen sich im Jahr 2023 auf insgesamt 8,2 Millionen US-Dollar und verteilten sich wie folgt:

Produktkategorie	Einnahmen
Geschäftsgirokonten	3,5 Millionen Dollar
Kredite für kleine Unternehmen	2,7 Millionen US-Dollar
Händlerdienste	2 Millionen Dollar

Bank7 Corp. (BSVN) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose Bank7 Corp. over other regional players. It boils down to superior performance metrics and a relationship-focused approach to business banking, especially in specialized lending areas.

Exceptional Profitability with Return on Assets (ROA) in the $\mathbf{2.3\%}-\mathbf{2.5\%}$ range

Bank7 Corp. delivers profitability that significantly outpaces peers. For instance, in the second quarter of 2025, the Return on Assets (ROA) hit 2.47%, while the median for small-bank peers was only about 1.00%. This efficiency means Bank7 Corp. generates roughly 2.5x more profit from its asset base than the average competitor. This high ROA is supported by a resilient Net Interest Margin (NIM) and disciplined expense control, evidenced by Pre-provision pre-tax earnings (PPE) reaching $14.9 million for the third quarter of 2025.

Here's a quick look at the recent financial scale supporting this profitability:

Metric	Value (as of September 30, 2025)
Total Assets	$1.891 billion
Total Loans, Net	$1.515 billion
Total Deposits	$1.637 billion
Net Income (Q3 2025)	$10.8 million

Fast, consistent, and customized commercial lending solutions

Bank7 Corp. focuses its commercial lending efforts on being a reliable partner for business owners and entrepreneurs. The stated intent is to grow businesses by delivering loan and deposit products that are fast, consistent, and well-designed to meet specific financing needs. This commitment to speed and consistency is crucial when you're looking to deploy capital quickly in dynamic markets like Oklahoma and Texas.

Specialized expertise in hospitality and energy sector lending

The bank leverages deep, historical experience to tailor its offerings, giving it a unique edge in certain sectors. Management highlights expanded growth in commercial and hospitality segments, especially within the Dallas-Fort Worth region. Furthermore, Bank7 Corp. maintains an experienced team of energy lenders providing financing across various segments of the energy market. While the energy portfolio exposure is strategically managed-around half of what it was seven to eight years ago-the specialized knowledge remains a core competency used to customize products.

Financial stability and safety as a well-capitalized institution

You can count on Bank7 Corp. being a safe place for funds, as its capital levels are kept significantly above the minimums required to be designated as "well-capitalized" by regulators. This strong foundation provides resilience against market volatility.

Key capital metrics as of September 30, 2025, illustrate this strength:

• Tier 1 Leverage Ratio (Consolidated): 12.71%
• Consolidated Total Risk-Based Capital Ratio: 15.43%
• Non-Performing Loans/Total Loans: 0.35%

High-touch, personalized service from local decision-makers

In an era of electronic banking and remote approvals, Bank7 Corp. actively champions a return to personal banking. The philosophy centers on developing long-term relationships and emphasizes customer satisfaction, community support, and knowing your banker. This means that decision-making authority is kept close to the customer, allowing their unique team of talented bankers to offer creative ways to secure the necessary resources. This local, relationship-driven model is a direct counterpoint to the faceless transactions common elsewhere.

Next step: Review the specific loan origination pipeline data for Q4 2025 to confirm the momentum in the commercial and hospitality sectors. Owner: Strategy Team.

Bank7 Corp. (BSVN) - Canvas Business Model: Customer Relationships

You're looking at how Bank7 Corp. (BSVN) builds and maintains its client base, which management clearly states is the backbone of the company. Their approach heavily favors personal interaction, especially for their commercial segment, while still supporting digital needs.

Dedicated relationship-based model for commercial clients

Bank7 Corp. explicitly focuses on serving business owners and entrepreneurs. This relationship focus is credited with driving significant increases in core deposits during the second quarter of 2025. The firm leverages its history and experience in specific sectors-energy industries, real estate, construction, and agriculture-to customize products for these clients. The commitment to this model is reflected in the balance sheet growth driven by these relationships.

Here's a quick look at the scale of the business supporting these relationships as of mid-2025:

Metric	Amount as of June 30, 2025	Context
Total Assets	$1.8 billion	Consolidated total assets.
Total Loans	$1.5 billion	Loan portfolio size.
Total Deposits	$1.59 billion	Total deposits as of Q2 2025 end.
Uninsured Deposits	$380.3 million	Represents 23.9% of total deposits.

The management team takes comfort in the strong credit book and capital base, which underpins the stability offered to these commercial relationships.

Direct access to senior bankers for quick decision-making

The company philosophy actively pushes back against faceless decision-makers common in larger institutions. Bank7 Corp. stresses community support and the importance of knowing your banker. This structure is designed to facilitate quick decision-making, which is critical for the business owners and entrepreneurs they target. The bankers are the driving force behind results, according to the Q1 2025 commentary.

The emphasis on personal banking relationships is a core differentiator Bank7 Corp. uses to build loyalty.

Community-focused service through local branch teams

Service delivery is grounded in a local presence. Bank7 Corp. operates twelve full-service branches. These branches are strategically located across Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The local branch teams are integral to the community-focused service delivery model, supporting the organic growth strategy that includes selectively opening additional branches in target markets.

Key service areas supported by these teams include:

• Commercial Loans origination.
• Treasury Management services.
• Deposit products like Checking and Money Market accounts.

Self-service options via online and mobile banking platforms

To complement the high-touch relationship model, Bank7 Corp. offers digital channels for routine account management. Both personal and business clients have access to online and mobile banking platforms. These platforms support functions like account management and bill payment. This dual approach acknowledges that while relationships drive major decisions, convenience drives daily interaction. Nationally, in 2025, a significant majority of consumers-77 percent-prefer to manage their bank accounts through a mobile app or a computer. For Bank7 Corp., this means their digital offering must be robust, even if the core value proposition remains the banker relationship. Finance: draft 13-week cash view by Friday.

Bank7 Corp. (BSVN) - Canvas Business Model: Channels

You're looking at how Bank7 Corp. gets its value proposition-fast, consistent loan and deposit products for business owners and entrepreneurs-to its customers across its footprint. The physical and digital presence is key here.

Full-service branch locations in Oklahoma, Texas, and Kansas

Bank7 Corp. operates through a network of physical locations designed to serve its target markets. As of late 2025, Bank7, the wholly-owned subsidiary, operates twelve locations across its geographic focus areas. These locations are spread across Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company has stated an intent to grow this physical footprint organically by selectively opening additional branches in its target markets. For example, Bank7 announced plans to open a new full-service banking facility in Tulsa, slated to open in Summer 2026, which will replace the current branch there.

The physical channel structure includes specific service points:

• Oklahoma Locations: Include the MAIN BRANCH - HEADQUARTERS in Oklahoma City, plus locations in Camargo, Geary, Medford, Mustang (including a dedicated BUSINESS BANKING CENTER), Tulsa, Watonga, and Woodward.
• Texas Presence: Focused on the Dallas/Fort Worth metropolitan area.
• Kansas Locations: Include a location in Copeland.

Commercial Loan Production Offices (LPOs) for market penetration

While the exact number of dedicated Commercial Loan Production Offices (LPOs) isn't explicitly detailed as a separate count from the twelve locations, the focus on serving business owners and entrepreneurs implies a strong, sales-driven approach embedded within the branch structure and direct sales efforts. The lending focus is concentrated on specific commercial categories to drive market penetration.

Digital channels for online banking and treasury management

The digital channel supports both personal and business banking needs, which is crucial for efficiency and serving customers beyond branch hours. The offerings are designed to be comprehensive for their commercial base.

• Personal Digital Services: Include Online Banking and Mobile access, supporting services like Zelle® transfers and Mobile Wallet options (Apple Pay®, Samsung Pay™, and Android Pay™).
• Business Digital Services: Include Online Banking, Mobile access, and specialized services like Treasury Management and ACH Origination.

Direct sales force of experienced commercial loan officers

The direct sales force is central to the strategy of serving business owners and entrepreneurs. This channel focuses on delivering loan and deposit products tailored to financing needs. The primary loan categories targeted by this sales effort include:

• Commercial Real Estate lending (CRE).
• Hospitality lending.
• Energy lending.
• Commercial and Industrial lending.

This direct, relationship-focused channel works alongside the physical and digital infrastructure to secure business relationships. The company also provides consumer lending services to individuals.

Here's a quick look at the scale of the business Bank7 Corp. is supporting through these channels as of late 2025, based on Q3 2025 and recent balance sheet data:

Metric	Value (As of Late 2025 Data)	Date/Period Reference
Total Assets	$1.8 billion	June 30, 2025
Total Loans	$1.5 billion	June 30, 2025
Total Locations	Twelve	Late 2025
Q3 2025 Revenue	$25.24 million	Quarter Ended September 30, 2025
Q3 2025 Earnings Per Share (EPS)	$1.13	Quarter Ended September 30, 2025
Declared Quarterly Cash Dividend	$0.27 per share	December 2025 Announcement
Market Capitalization	$390.90M	October 2025

The company's capital strength, with Tier 1 leverage ratio at 12.49% on June 30, 2025, supports the continued investment in these channels.

Bank7 Corp. (BSVN) - Canvas Business Model: Customer Segments

You're focused on building a bank that serves the engine of the regional economy, which means your customer segments are heavily weighted toward the commercial side. Bank7 Corp. is clearly targeting established and growing businesses, not just the general public, though retail deposits are crucial for funding that lending. The core focus is on providing tailored financing solutions to business owners and entrepreneurs in their operating markets of Oklahoma, Texas, and Kansas.

The primary commercial segments are clearly defined by their loan focus, which gives you a concrete view of where the Bank's value proposition is being delivered. As of third quarter 2025, total net loans stood at $\mathbf{\$1.515}$ billion, and the composition shows a deliberate concentration in specific commercial areas.

Here is how the loan portfolio-a direct reflection of the primary commercial customer segments-was structured as of late 2025:

Loan Category / Customer Segment Focus	Portfolio Percentage (Approx. Late 2025)	Approximate Dollar Amount (Based on $\mathbf{\$1.515}$B Net Loans Q3 2025)
Commercial & Industrial (C&I) Loans	26%	$\mathbf{\$393.9}$ million
Hospitality Industry Businesses	19%	$\mathbf{\$287.85}$ million
Other Commercial Real Estate (CRE)	~$\mathbf{49.9\%}$ (Sum of Non-Office/Non-Hospitality CRE)	~$\mathbf{\$755.7}$ million
Office Real Estate Assets (Minimal Exposure)	~5%	~$\mathbf{\$75.75}$ million

The breakdown of the Other CRE segment, based on Q2 2025 figures, shows the specific types of CRE investors and developers Bank7 Corp. engages with:

• Non-owner occupied commercial real estate: $\mathbf{10.2\%}$ of the loan portfolio as of Q2 2025.
• 1-4 family rental properties: $\mathbf{8.4\%}$ of the loan portfolio as of Q2 2025.
• Commercial construction loans: $\mathbf{9.1\%}$ of the loan portfolio as of Q2 2025.

This concentration in C&I and specific CRE types confirms that business owners and entrepreneurs, along with CRE investors and developers, are the primary targets. The explicit focus on the hospitality industry businesses is significant, representing about $\mathbf{19\%}$ of the loan book.

For the Small to mid-sized enterprises (SMEs) in target markets, the C&I loan category is the direct financial proxy, as these loans fund local manufacturers or service companies. The bank's reputation for quick, tailored lending attracts borrowers overlooked by larger institutions.

Finally, retail customers seeking core deposit and mortgage products are essential for funding the commercial growth. Total deposits reached $\mathbf{\$1.637}$ billion by the end of Q3 2025. The bank offers retail deposit services including certificates of deposit, money market accounts, checking accounts, and savings accounts. Consumer lending services, which cater to these retail customers, include residential real estate loans and mortgage banking services. Management attributes the significant increases in core deposits to its bankers.

The bank operates approximately twelve locations across Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas.

Bank7 Corp. (BSVN) - Canvas Business Model: Cost Structure

You're looking at the engine room costs for Bank7 Corp. as of late 2025. For a bank, the cost structure is dominated by the cost of money and the cost of running the operation, which is what we see here. Honestly, managing these costs against a dynamic rate environment is key to their strong performance.

Significant interest expense on deposits and borrowed funds

This is the single largest variable cost, directly tied to the rates Bank7 Corp. pays on its liabilities-deposits and wholesale funding. For the third quarter ended September 30, 2025, the total interest expense, derived from Interest Income of $\mathbf{\$33.7\text{ million}}$ and Net Interest Income of $\mathbf{\$22.3\text{ million}}$, was approximately $\mathbf{\$11.4\text{ million}}$ for that quarter.

Here's a quick look at the funding cost context based on Q3 2025 deposit structure:

Deposit Metric	Amount as of Q3 2025
Total Deposits	$\mathbf{\$1.637\text{ billion}}$
Non-Interest-Bearing Deposits Percentage	Around $\mathbf{21\%}$ of the base
Uninsured Deposits Percentage	Only $\mathbf{24.6\%}$

The management focus is clearly on keeping the cost of funds low by maintaining a high percentage of low-cost, sticky core deposits.

Non-interest operating expenses (Q4 2025 run-rate $\mathbf{\$9\text{ million}}$ to $\mathbf{\$9.5\text{ million}}$)

This category covers everything else needed to keep the doors open and the systems running. Management guided the run-rate for this for the fourth quarter of 2025 to be in the range of $\mathbf{\$9\text{ million}}$ to $\mathbf{\$9.5\text{ million}}$ per quarter.

This expense base is supported by the Q3 2025 performance, where Pre-provision pre-tax earnings (PPE) were $\mathbf{\$14.9\text{ million}}$. The CFO indicated an anticipation of a similar run-rate for noninterest expense in Q4 2025.

Compensation and benefits for experienced banking personnel

Compensation for experienced bankers, loan officers, and specialized staff is a major, non-discretionary component within that $\mathbf{\$9\text{ million}}$ to $\mathbf{\$9.5\text{ million}}$ range. It reflects the investment in the relationship-driven, banker-driven pipelines management highlighted in Oklahoma and Texas markets.

Provision for credit losses to maintain strong asset quality

Bank7 Corp. maintains a disciplined approach to reserves, which directly impacts reported earnings but is a necessary cost to reflect potential future losses. For the quarter ended September 30, 2025, the bank added $\mathbf{\$0.7\text{ million}}$ to its provision, citing loan growth and macro volatility. This provision strategy supports their strong asset quality metrics:

• Non-Performing Loans (NPLs) to Total Loans ratio as of Q3 2025: $\mathbf{0.35\%}$.
• Net recoveries for Q3 2025: $\mathbf{\$483\text{K}}$ (-13 basis points).

They are building reserves proactively, which is a cost of doing business when growth is strong and the macro picture is uncertain.

Technology and regulatory compliance costs

These are embedded within the non-interest expense base but represent critical, often increasing, fixed costs. They cover core banking platforms, cybersecurity, and meeting all Federal Reserve and FDIC requirements. These costs are essential for maintaining the 'well-capitalized' status, with Tier 1 leverage ratios consistently above $\mathbf{12.39\%}$.

The key cost drivers that make up the non-interest expense are:

• Salaries and benefits for experienced personnel.
• Technology infrastructure and software licensing.
• Occupancy and administrative overhead for physical locations.
• Regulatory filing and compliance expenses.

Finance: draft 13-week cash view by Friday.

Bank7 Corp. (BSVN) - Canvas Business Model: Revenue Streams

The core of Bank7 Corp. (BSVN) revenue generation, as of late 2025, remains anchored in traditional banking activities, centered on the spread between interest earned on assets and interest paid on liabilities. You see this clearly in the primary metric.

Net Interest Income (NII) from the loan portfolio generated $22.3 million for the quarter ended September 30, 2025. This figure reflects the bank's ability to maintain a resilient core net interest margin, even as the Federal Reserve's rate actions flowed through the system, a testament to disciplined pricing and loan floors. The total interest income for that same period reached $33.7 million, showing the significant earning power of the asset base.

Interest income is primarily driven by the loan portfolio, which totaled approximately $1.51 billion as of Q3 2025. Bank7 Corp. focuses on serving local business owners and entrepreneurs across Oklahoma, Texas, and Kansas, which translates into a specific mix of earning assets. Here's the quick math on how that loan book is structured:

Loan Category	Portfolio Percentage (as of Q3 2025)	Loan Balance Context (Approximate)
Commercial & Industrial (C&I) Loans	26%	Largest segment, funding local businesses.
Hospitality Loans	19%	Significant exposure to the hotel sector.
Other Commercial Real Estate (CRE)	Varies	Includes 1-4 family rental properties and construction loans.
Office Real Estate Loans	Approximately 5%	Minimal exposure to the office sector.

Non-interest income, while a smaller component compared to NII, is still important for overall revenue, which totaled $24.54 million for Q3 2025. This category saw some normalization, with total non-interest income coming in around $2.21 million for the quarter. Management noted that recent outperformance from loan fee income likely trends back toward a normal run-rate.

The sources for this non-interest income include several fee-based services that support the commercial banking relationship:

• Core fees are estimated to have a run-rate near $1 million per quarter.
• Other income softened year-over-year, reported at $1.58 million for Q3 2025 compared to $3.35 million in the prior year period.
• Mortgage banking income is a component, though the mortgage business was noted as slow with elevated fallout rates in Q3 2025.
• Service charges and treasury management fees contribute to the overall non-interest income total.

If onboarding for new commercial clients takes 14+ days, churn risk rises, impacting the consistency of those service fees.