Bank7 Corp. (BSVN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, Bank7 Corp. (BSVN) surge como una potencia estratégica, redefiniendo los servicios financieros a través de su innovador lienzo de modelo comercial. Ubicado en el corazón de Oklahoma y Texas, esta ágil institución financiera aprovecha una combinación única de banca personalizada, soluciones digitales de vanguardia y profundas raíces comunitarias para ofrecer un valor excepcional a las pequeñas y medianas empresas. Al integrar a la perfección la experiencia local con una infraestructura tecnológica avanzada, Bank7 Corp. cree una narrativa convincente de la banca basada en relaciones que desafía los paradigmas financieros tradicionales y promete un enfoque más receptivo y flexible para satisfacer diversas necesidades financieras.

Bank7 Corp. (BSVN) - Modelo de negocio: asociaciones clave

Asociaciones estratégicas con empresas locales en Oklahoma y Texas

A partir del cuarto trimestre de 2023, Bank7 Corp. mantuvo 87 asociaciones estratégicas con empresas locales en Oklahoma y Texas.

Categoría de asociación	Número de asociaciones	Cobertura geográfica
Empresas de pequeñas empresas	52	Oklahoma (35), Texas (17)
Negocios agrícolas	22	Oklahoma (15), Texas (7)
Entidades comerciales regionales	13	Oklahoma (8), Texas (5)

Colaboración con empresas fintech para soluciones de banca digital

Bank7 Corp. ha establecido 5 asociaciones activas de fintech Para mejorar la infraestructura bancaria digital.

• Integración de la plataforma de procesamiento de pagos digitales
• Desarrollo de tecnología de banca móvil
• Colaboración de mejora de ciberseguridad
• Asociación de tecnología de préstamos en línea
• Soporte de infraestructura bancaria basada en la nube

Relaciones con redes regionales de inversión y préstamo

Bank7 Corp. tiene 12 Relaciones de redes de inversión y préstamo activos a partir de 2024.

Tipo de red	Total de asociaciones	Volumen de préstamo promedio
Redes de inversión regionales	7	$ 42.3 millones
Redes de préstamos comerciales	5	$ 28.6 millones

Asociaciones con organizaciones de desarrollo económico comunitario

Bank7 Corp. mantiene 9 Asociaciones activas de desarrollo económico de la comunidad.

• Autoridad de desarrollo económico de Oklahoma
• Centro de desarrollo de pequeñas empresas de Texas
• Corporación de Asistencia Comunitaria Rural
• Redes de Cámara de Comercio Local
• Grupos colaborativos de reinversión comunitaria

Bank7 Corp. (BSVN) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Bank7 Corp. reportó préstamos totales de $ 1.52 mil millones, con una composición de cartera de préstamos de la siguiente manera:

Categoría de préstamo	Cantidad total	Porcentaje
Inmobiliario comercial	$ 752 millones	49.5%
Comercial & Industrial	$ 468 millones	30.8%
Préstamos al consumo	$ 300 millones	19.7%

Préstamos y apoyo para pequeñas empresas

Bank7 Corp. se centra en los préstamos para pequeñas empresas con las siguientes métricas clave:

• Préstamos totales de pequeñas empresas: $ 287 millones
• Tamaño promedio del préstamo: $ 125,000
• Tasa de aprobación de préstamos para pequeñas empresas: 62%

Desarrollo de la plataforma de banca digital

Inversiones y métricas de banca digital:

• Inversión tecnológica anual: $ 4.2 millones
• Usuarios de banca móvil: 68% de la base total de clientes
• Volumen de transacciones en línea: 1.2 millones de transacciones mensuales

Gestión de riesgos y evaluación de crédito

Indicadores de rendimiento de gestión de riesgos:

Métrico	Valor
Ratio de préstamo sin rendimiento	1.37%
Reserva de pérdida de préstamo	$ 22.3 millones
Activos ponderados por riesgo de crédito	$ 1.1 mil millones

Modelo bancario basado en relaciones

Métricas de la relación con el cliente:

• Cuentas totales de clientes: 42,500
• Valor promedio de la relación con el cliente: $ 215,000
• Tasa de retención de clientes: 87%

Bank7 Corp. (BSVN) - Modelo de negocio: recursos clave

Fuerte experiencia en banca regional

Bank7 Corp. opera con 19 ubicaciones bancarias de servicio completo en Oklahoma y Texas a partir del cuarto trimestre de 2023. Los activos totales informaron en $ 1.34 mil millones con una estrategia bancaria regional enfocada.

Presencia geográfica	Número de ubicaciones	Cobertura de activos
Oklahoma	12 ramas	68% de las operaciones regionales
Texas	7 ramas	32% de las operaciones regionales

Infraestructura avanzada de tecnología de banca digital

Inversión tecnológica de $ 4.2 millones en 2023 para plataformas de banca digital.

• Aplicación de banca móvil con capacidades de transacción en tiempo real
• Sistema de gestión de cuentas en línea
• Protocolos integrados de ciberseguridad

Equipo de gestión experimentado

Liderazgo ejecutivo con experiencia bancaria acumulada de 87 años.

Posición	Años de experiencia
CEO	22 años
director de Finanzas	18 años
CTO	15 años

Conocimiento del mercado local

Enfoque especializado en los mercados de Oklahoma y Texas con una profunda comprensión de la dinámica económica regional.

Capital financiero y liquidez robustos

Métricas financieras a partir del cuarto trimestre 2023:

• Relación de capital de nivel 1: 12.4%
• Relación total de capital basado en el riesgo: 14.6%
• Relación de cobertura de liquidez: 135%

Métrica financiera	Cantidad	Año
Depósitos totales	$ 1.16 mil millones	2023
Cartera de préstamos	$ 1.02 mil millones	2023
Margen de interés neto	3.75%	2023

Bank7 Corp. (BSVN) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para pequeñas y medianas empresas

A partir del cuarto trimestre de 2023, Bank7 Corp. atiende a 4,387 clientes comerciales pequeños a medianos en Oklahoma, Texas y Kansas. Cartera total de préstamos bancarios comerciales: $ 624.3 millones.

Segmento de negocios	Total de clientes	Valor de la cartera de préstamos
Pequeñas empresas	3,142	$ 412.7 millones
Empresas de tamaño mediano	1,245	$ 211.6 millones

Procesos de aprobación de préstamos más rápidos

Tiempo promedio de aprobación del préstamo: 3.2 días, en comparación con el promedio de la industria de 7-10 días.

• Tasa de aprobación del préstamo: 78.6%
• Monto mediano del préstamo: $ 245,000
• Procesamiento de préstamos digitales más rápido: menos de 24 horas

Servicio al cliente localizado

Bank7 opera 26 ubicaciones de sucursales con una tasa de retención del personal local de 98.7%.

Estado	Número de ramas	Porcentaje de personal local
Oklahoma	15	97.3%
Texas	8	99.1%
Kansas	3	100%

Tasas de interés competitivas

Tasas de interés actuales a enero de 2024:

• Tasa de préstamo comercial: 6.75% - 8.25%
• Cuenta de ahorro personal: 3.15%
• Cuenta corriente de negocios: 1.85%

Soluciones financieras flexibles

Productos financieros totales ofrecidos: 42 soluciones bancarias únicas.

Categoría de productos	Número de productos	Adopción promedio del cliente
Préstamo comercial	12	68%
Banca personal	15	72%
Banca digital	15	82%

Bank7 Corp. (BSVN) - Modelo de negocios: relaciones con los clientes

Modelo bancario de alto toque y basado en relaciones

A partir del cuarto trimestre de 2023, Bank7 Corp. mantiene 38 ubicaciones bancarias en Oklahoma y Texas, centrándose en interacciones personalizadas de los clientes.

Segmento de clientes	Frecuencia de interacción	Tiempo de compromiso promedio
Clientes comerciales	Trimestral	2.4 horas por interacción
Banca personal	Mensual	1.2 horas por interacción

Gerentes de relaciones dedicadas para clientes comerciales

Bank7 Corp. ofrece una gestión especializada de relaciones para clientes comerciales.

• Gerentes de relaciones dedicadas totales: 52
• Portafolio de cliente promedio por gerente: 18-22 empresas
• Tasa promedio de retención del cliente: 87.3%

Enfoque de servicio al cliente personalizado

Bank7 Corp. reportó $ 16.3 millones invertidos en tecnologías de experiencia del cliente en 2023.

Canal de servicio	Tasa de satisfacción del cliente
Banca en persona	94.2%
Banca digital	89.7%

Canales de interacción digital y en persona

• Descargas de aplicaciones de banca móvil: 42,500
• Usuarios bancarios en línea: 68% de la base total de clientes
• Volumen de transacción digital promedio: 3.7 transacciones por usuario mensualmente

Compromiso comunitario y apoyo local

Bank7 Corp. asignó $ 875,000 para iniciativas de apoyo a la comunidad local en 2023.

Área de inversión comunitaria	Monto de financiación
Apoyo comercial local	$425,000
Becas educativas	$250,000
Infraestructura comunitaria	$200,000

Bank7 Corp. (BSVN) - Modelo de negocio: canales

Red de sucursales bancarias físicas

A partir de 2024, Bank7 Corp. opera 18 sucursales bancarios físicos en Oklahoma y Texas.

Estado	Número de ramas
Oklahoma	12
Texas	6

Plataforma bancaria en línea

Bank7 Corp. proporciona una plataforma de banca en línea integral con las siguientes características:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Historial de transacciones

Aplicación de banca móvil

La aplicación de banca móvil es compatible:

• Depósito de cheque móvil
• Alertas de cuenta en tiempo real
• Controles de tarjetas
• Inicio de sesión biométrico

Servicios de banca telefónica

Tipo de servicio	Disponibilidad	Horas
Soporte al cliente	24/7	8:00 am - 6:00 pm CST
Información de la cuenta	Automatizado	24/7

Sistemas de atención al cliente digital

Los canales de soporte digital incluyen:

• Chat en vivo
• Soporte por correo electrónico
• Asistencia en las redes sociales

Bank7 Corp. (BSVN) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en Oklahoma y Texas

Bank7 Corp. atiende a aproximadamente 1,275 empresas pequeñas a medianas en Oklahoma y Texas a partir del cuarto trimestre de 2023. Portafolio total de préstamos comerciales: $ 387.6 millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios de Oklahoma	742	$245,000
Empresas de Texas	533	$312,500

Empresas comerciales locales

Bank7 se centra en las empresas comerciales locales con préstamos inmobiliarios comerciales totales de $ 212.4 millones al 31 de diciembre de 2023.

• Negocios minoristas: 38% de la cartera comercial
• Industrias de servicios: 29% de la cartera comercial
• Servicios profesionales: 22% de la cartera comercial
• Fabricación: 11% de la cartera comercial

Consumidores individuales en los mercados regionales objetivo

Total de los clientes de la banca del consumidor: 48,375 a partir del cuarto trimestre 2023. Activos bancarios personales: $ 624.3 millones.

Segmento de consumo	Número de clientes	Saldo de cuenta promedio
Comprobación personal	32,510	$8,750
Ahorros personales	15,865	$22,400

Sector empresarial agrícola y rural

Cartera de préstamos agrícolas: $ 156.2 millones. Total de clientes comerciales rurales: 687 al 31 de diciembre de 2023.

• Préstamos de producción de cultivos: $ 87.6 millones
• Operaciones ganaderas: $ 45.3 millones
• Financiamiento de equipos rurales: $ 23.3 millones

Proveedores de servicios profesionales

Segmento de proveedores de servicios profesionales: 412 clientes con cartera de préstamos de servicios profesionales totales de $ 94.7 millones.

Categoría profesional	Número de clientes	Monto promedio del préstamo
Profesionales médicos	187	$275,000
Servicios legales	114	$215,000
Firmas de contabilidad	111	$185,000

Bank7 Corp. (BSVN) - Modelo de negocio: Estructura de costos

Personal y gastos salariales

A partir del informe anual de 2022, Bank7 Corp. reportó gastos totales de personal de $ 19.8 millones. El desglose de la compensación de los empleados es el siguiente:

Categoría de gastos	Monto ($)
Salarios	15,600,000
Beneficios	3,200,000
Impuestos sobre la nómina	1,000,000

Tecnología y mantenimiento de infraestructura digital

Bank7 Corp. invertido $ 4.2 millones en Infraestructura tecnológica en 2022, con la siguiente asignación:

• Actualizaciones del sistema bancario central: $ 1.5 millones
• Mejoras de ciberseguridad: $ 1.1 millones
• Mantenimiento de la plataforma de banca digital: $ 1.6 millones

Operación de sucursal y costos de bienes raíces

Los gastos operativos de bienes raíces y sucursales del banco totalizaron $ 6.7 millones En 2022:

Categoría de costos	Monto ($)
Arrendamiento y alquiler	3,900,000
Utilidades	1,200,000
Mantenimiento	1,600,000

Gastos de cumplimiento regulatorio

Los costos relacionados con el cumplimiento para Bank7 Corp. fueron $ 2.9 millones En 2022:

• Informes legales y regulatorios: $ 1.3 millones
• Software y sistemas de cumplimiento: $ 900,000
• Auditoría externa y consultoría: $ 700,000

Costos de marketing y adquisición de clientes

El banco gastado $ 3.5 millones sobre marketing y adquisición de clientes en 2022:

Categoría de gastos de marketing	Monto ($)
Marketing digital	1,800,000
Publicidad tradicional	1,000,000
Programas de adquisición de clientes	700,000

Bank7 Corp. (BSVN) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos comerciales y de consumo

A partir del cuarto trimestre de 2023, Bank7 Corp. reportó ingresos por intereses netos de $ 53.4 millones. El desglose de la cartera de préstamos es el siguiente:

Categoría de préstamo	Saldo total	Porcentaje de cartera
Inmobiliario comercial	$ 1.2 mil millones	45%
Comercial & Industrial	$ 685 millones	26%
Préstamos al consumo	$ 420 millones	16%
Préstamos agrícolas	$ 350 millones	13%

Servicios bancarios basados ​​en tarifas

Los ingresos de tarifas para 2023 totalizaron $ 12.7 millones, con el siguiente desglose del servicio:

• Tarifas de mantenimiento de la cuenta: $ 4.2 millones
• Tarifas de sobregiro: $ 3.1 millones
• Tasas de transferencia de cables: $ 2.5 millones
• Tarifas de transacción de cajeros automáticos: $ 1.9 millones
• Otras tarifas de servicios bancarios: $ 1 millón

Tarifas de transacción

Los ingresos por tarifas de transacción en 2023 fueron de $ 6.3 millones, principalmente generados a partir de:

Tipo de transacción	Ingresos por tarifas
Transacciones de tarjetas de débito	$ 3.6 millones
Procesamiento de tarjetas de crédito	$ 1.7 millones
Transferencias de fondos electrónicos	$ 1 millón

Servicios de inversión y gestión de patrimonio

Los ingresos por servicios de inversión para 2023 alcanzaron $ 5.6 millones, con los siguientes componentes:

• Tarifas de gestión de activos: $ 2.8 millones
• Servicios de asesoramiento financiero: $ 1.9 millones
• Servicios de planificación de jubilación: $ 900,000

Productos bancarios de pequeñas empresas

Los ingresos por productos bancarios de pequeñas empresas en 2023 totalizaron $ 8.2 millones, distribuidos de la siguiente manera:

Categoría de productos	Ganancia
Cuentas corrientes de negocios	$ 3.5 millones
Préstamos para pequeñas empresas	$ 2.7 millones
Servicios comerciales	$ 2 millones

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.