Bank7 Corp. (BSVN): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, Bank7 Corp. (BSVN) émerge comme une puissance stratégique, redéfinissant les services financiers grâce à sa toile innovante du modèle commercial. Niché au cœur de l'Oklahoma et du Texas, cette institution financière agile tire parti d'un mélange unique de banque personnalisée, de solutions numériques de pointe et de racines communautaires profondes pour offrir une valeur exceptionnelle aux petites et moyennes entreprises. En intégrant de manière transparente l'expertise locale aux infrastructures technologiques avancées, Bank7 Corp. élabore un récit convaincant de la banque axée sur les relations qui remet en question les paradigmes financiers traditionnels et promet une approche plus réactive et flexible pour répondre à divers besoins financiers.

Bank7 Corp. (BSVN) - Modèle commercial: partenariats clés

Partenariats stratégiques avec les entreprises locales en Oklahoma et au Texas

Au quatrième trimestre 2023, Bank7 Corp. 87 partenariats stratégiques avec les entreprises locales de l'Oklahoma et du Texas.

Catégorie de partenariat	Nombre de partenariats	Couverture géographique
Entreprises de petites entreprises	52	Oklahoma (35), Texas (17)
Entreprises agricoles	22	Oklahoma (15), Texas (7)
Entités commerciales régionales	13	Oklahoma (8), Texas (5)

Collaboration avec des sociétés fintech pour les solutions bancaires numériques

Bank7 Corp. a établi 5 Partenariats actifs FinTech pour améliorer l'infrastructure bancaire numérique.

• Intégration de la plate-forme de traitement des paiements numériques
• Développement de la technologie des banques mobiles
• Collaboration d'amélioration de la cybersécurité
• Partenariat technologique de prêt en ligne
• Support d'infrastructure bancaire basé sur le cloud

Relations avec l'investissement régional et les réseaux de prêt

Bank7 Corp. a 12 Investissement actif et relations de réseau En 2024.

Type de réseau	Partenariats totaux	Volume moyen des prêts
Réseaux d'investissement régionaux	7	42,3 millions de dollars
Réseaux de prêt commercial	5	28,6 millions de dollars

Partenariats avec des organisations de développement économique communautaire

Bank7 Corp. maintient 9 Partenariats de développement économique communautaire actifs.

• Autorité de développement économique de l'Oklahoma
• Centre de développement des petites entreprises du Texas
• Rural Community Assistance Corporation
• Réseaux locaux de la Chambre de commerce
• Groupes collaboratifs de réinvestissement communautaire

Bank7 Corp. (BSVN) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et grand public

Au quatrième trimestre 2023, Bank7 Corp. a déclaré des prêts totaux de 1,52 milliard de dollars, avec une composition de portefeuille de prêts comme suit:

Catégorie de prêt	Montant total	Pourcentage
Immobilier commercial	752 millions de dollars	49.5%
Commercial & Industriel	468 millions de dollars	30.8%
Prêts à la consommation	300 millions de dollars	19.7%

Prêts et soutien aux petites entreprises

Bank7 Corp. se concentre sur les prêts aux petites entreprises avec les mesures clés suivantes:

• Prêts totaux pour les petites entreprises: 287 millions de dollars
• Taille moyenne du prêt: 125 000 $
• Taux d'approbation des prêts aux petites entreprises: 62%

Développement de la plate-forme bancaire numérique

Investissements et mesures bancaires numériques:

• Investissement technologique annuel: 4,2 millions de dollars
• Utilisateurs de la banque mobile: 68% de la base client totale
• Volume de transactions en ligne: 1,2 million de transactions mensuelles

Gestion des risques et évaluation du crédit

Indicateurs de performance de gestion des risques:

Métrique	Valeur
Ratio de prêts non performants	1.37%
Réserve de perte de prêt	22,3 millions de dollars
Actifs pondérés en matière de risque de crédit	1,1 milliard de dollars

Modèle bancaire basé sur les relations

Métriques de la relation client:

• Comptes clients totaux: 42 500
• Valeur moyenne de la relation client: 215 000 $
• Taux de rétention de la clientèle: 87%

Bank7 Corp. (BSVN) - Modèle d'entreprise: Ressources clés

Expertise en banque régionale solide

Bank7 Corp. opère avec 19 emplacements bancaires à service complet à travers l'Oklahoma et le Texas au 423 du quatrième trimestre.

Présence géographique	Nombre d'emplacements	Couverture des actifs
Oklahoma	12 branches	68% des opérations régionales
Texas	7 branches	32% des opérations régionales

Infrastructure de technologie bancaire numérique avancée

Investissement technologique de 4,2 millions de dollars en 2023 pour les plateformes bancaires numériques.

• Application de la banque mobile avec des capacités de transaction en temps réel
• Système de gestion des comptes en ligne
• Protocoles de cybersécurité intégrés

Équipe de gestion expérimentée

Leadership exécutif avec une expérience bancaire cumulative de 87 ans.

Position	Années d'expérience
PDG	22 ans
Directeur financier	18 ans
CTO	15 ans

Connaissances du marché local

Focus spécialisée sur les marchés de l'Oklahoma et du Texas avec une profonde compréhension de la dynamique économique régionale.

Capital financier robuste et liquidité

Mesures financières auprès du quatrième trimestre 2023:

• Ratio de capital de niveau 1: 12,4%
• Ratio de capital total basé sur les risques: 14,6%
• Ratio de couverture de liquidité: 135%

Métrique financière	Montant	Année
Dépôts totaux	1,16 milliard de dollars	2023
Portefeuille de prêts	1,02 milliard de dollars	2023
Marge d'intérêt net	3.75%	2023

Bank7 Corp. (BSVN) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les petites et moyennes entreprises

Au quatrième trimestre 2023, Bank7 Corp. dessert 4 387 clients commerciaux de petite et moyenne taille de l'Oklahoma, du Texas et du Kansas. Portfolio total de prêts bancaires d'entreprise: 624,3 millions de dollars.

Segment d'entreprise	Total des clients	Valeur du portefeuille de prêts
Petites entreprises	3,142	412,7 millions de dollars
Entreprises de taille moyenne	1,245	211,6 millions de dollars

Processus d'approbation des prêts plus rapides

Temps d'approbation du prêt moyen: 3,2 jours, par rapport à la moyenne de l'industrie de 7 à 10 jours.

• Taux d'approbation du prêt: 78,6%
• Montant du prêt médian: 245 000 $
• Traitement des prêts numériques le plus rapide: moins de 24 heures

Service client localisé

Bank7 exploite 26 succursales avec 98,7% de taux de rétention du personnel local.

État	Nombre de branches	Pourcentage de personnel local
Oklahoma	15	97.3%
Texas	8	99.1%
Kansas	3	100%

Taux d'intérêt compétitifs

Taux d'intérêt actuels en janvier 2024:

• Taux de prêt commercial: 6,75% - 8,25%
• Compte d'épargne personnelle: 3,15%
• Compte de courant des entreprises: 1,85%

Solutions financières flexibles

Produits financiers totaux offerts: 42 solutions bancaires uniques.

Catégorie de produits	Nombre de produits	Adoption moyenne des clients
Prêts commerciaux	12	68%
Banque personnelle	15	72%
Banque numérique	15	82%

Bank7 Corp. (BSVN) - Modèle d'entreprise: relations avec les clients

Modèle bancaire élevé et axé sur les relations

Au quatrième trimestre 2023, Bank7 Corp. maintient 38 emplacements bancaires à travers l'Oklahoma et le Texas, en se concentrant sur les interactions personnalisées des clients.

Segment de clientèle	Fréquence d'interaction	Temps d'engagement moyen
Clients commerciaux	Trimestriel	2,4 heures par interaction
Banque personnelle	Mensuel	1,2 heures par interaction

Gestionnaires de relations dédiés pour les clients commerciaux

Bank7 Corp. fournit une gestion des relations spécialisée pour les clients commerciaux.

• Total des gestionnaires de relations dédiées: 52
• Portefeuille client moyen par gestionnaire: 18-22 entreprises
• Taux moyen de rétention de la clientèle: 87,3%

Approche de service client personnalisé

Bank7 Corp. a déclaré 16,3 millions de dollars investis dans les technologies de l'expérience client en 2023.

Canal de service	Taux de satisfaction client
Bancaire en personne	94.2%
Banque numérique	89.7%

Canaux d'interaction numériques et en personne

• Téléchargements d'applications bancaires mobiles: 42 500
• Utilisateurs bancaires en ligne: 68% de la base client totale
• Volume de transaction numérique moyen: 3,7 transactions par utilisateur mensuellement

Engagement communautaire et soutien local

Bank7 Corp. a alloué 875 000 $ pour les initiatives de soutien communautaire locales en 2023.

Zone d'investissement communautaire	Montant du financement
Assistance commerciale locale	$425,000
Bourses éducatives	$250,000
Infrastructure communautaire	$200,000

Bank7 Corp. (BSVN) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

En 2024, Bank7 Corp. exploite 18 succursales bancaires physiques à travers l'Oklahoma et le Texas.

État	Nombre de branches
Oklahoma	12
Texas	6

Plateforme bancaire en ligne

Bank7 Corp. fournit une plate-forme bancaire en ligne complète avec les fonctionnalités suivantes:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions

Application bancaire mobile

L'application bancaire mobile prend en charge:

• Dépôt de chèques mobiles
• Alertes de compte en temps réel
• Commandes de carte
• Connexion biométrique

Services bancaires téléphoniques

Type de service	Disponibilité	Heures
Support client	24/7	8h00 - 18h00 CST
Informations sur le compte	Automatisé	24/7

Systèmes de support client numérique

Les canaux de support numériques comprennent:

• Chat en direct
• Assistance par e-mail
• Assistance aux médias sociaux

Bank7 Corp. (BSVN) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises de l'Oklahoma et du Texas

Bank7 Corp. dessert environ 1 275 petites et moyennes entreprises de l'Oklahoma et du Texas au T2 2023. Portefeuille de prêts commerciaux totaux: 387,6 ​​millions de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Entreprises de l'Oklahoma	742	$245,000
Business Texas	533	$312,500

Entreprises commerciales locales

Bank7 se concentre sur les entreprises commerciales locales avec des prêts immobiliers commerciaux totaux de 212,4 millions de dollars au 31 décembre 2023.

• Commerces de détail: 38% du portefeuille commercial
• Industries de services: 29% du portefeuille commercial
• Services professionnels: 22% du portefeuille commercial
• Fabrication: 11% du portefeuille commercial

Les consommateurs individuels sur les marchés régionaux ciblent

Total des clients de la banque de consommation: 48 375 au T2 2023. ACTIONS BANDIQUE PERSONNELLE: 624,3 millions de dollars.

Segment des consommateurs	Nombre de clients	Solde moyen du compte
Vérification personnelle	32,510	$8,750
Économies personnelles	15,865	$22,400

Secteur des entreprises agricoles et rurales

Portefeuille de prêts agricoles: 156,2 millions de dollars. Total des clients commerciaux ruraux: 687 au 31 décembre 2023.

• Prêts de production agricole: 87,6 millions de dollars
• Opérations du bétail: 45,3 millions de dollars
• Financement des équipements ruraux: 23,3 millions de dollars

Fournisseurs de services professionnels

Segment des fournisseurs de services professionnels: 412 clients avec un portefeuille de prêts professionnels totaux de 94,7 millions de dollars.

Catégorie professionnelle	Nombre de clients	Montant moyen du prêt
Professionnels de la santé	187	$275,000
Services juridiques	114	$215,000
Compagnies comptables	111	$185,000

Bank7 Corp. (BSVN) - Modèle d'entreprise: Structure des coûts

Frais de personnel et salarial

Depuis le rapport annuel de 2022, Bank7 Corp. a déclaré un total des dépenses de personnel de 19,8 millions de dollars. La rupture de la rémunération des employés est la suivante:

Catégorie de dépenses	Montant ($)
Salaires	15,600,000
Avantages	3,200,000
Taxes sur les salaires	1,000,000

Maintenance de la technologie et des infrastructures numériques

Bank7 Corp. a investi 4,2 millions de dollars dans l'infrastructure technologique en 2022, avec l'allocation suivante:

• Mises à niveau du système bancaire de base: 1,5 million de dollars
• Améliorations de la cybersécurité: 1,1 million de dollars
• Maintenance de la plate-forme bancaire numérique: 1,6 million de dollars

Fonctionnement de la succursale et frais immobiliers

Les dépenses opérationnelles de l'immobilier et de la succursale de la banque ont totalisé 6,7 millions de dollars en 2022:

Catégorie de coûts	Montant ($)
Bail et loyer	3,900,000
Services publics	1,200,000
Entretien	1,600,000

Frais de conformité réglementaire

Les frais liés à la conformité pour Bank7 Corp. 2,9 millions de dollars en 2022:

• Représentation juridique et réglementaire: 1,3 million de dollars
• Logiciel et systèmes de conformité: 900 000 $
• Audit externe et conseil: 700 000 $

Coûts de marketing et d'acquisition des clients

La banque a dépensé 3,5 millions de dollars sur le marketing et l'acquisition de clients en 2022:

Catégorie de dépenses de marketing	Montant ($)
Marketing numérique	1,800,000
Publicité traditionnelle	1,000,000
Programmes d'acquisition de clients	700,000

Bank7 Corp. (BSVN) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux et de consommation

Au quatrième trimestre 2023, Bank7 Corp. a déclaré un revenu net d'intérêts de 53,4 millions de dollars. La répartition du portefeuille de prêts est la suivante:

Catégorie de prêt	Solde total	Pourcentage de portefeuille
Immobilier commercial	1,2 milliard de dollars	45%
Commercial & Industriel	685 millions de dollars	26%
Prêts à la consommation	420 millions de dollars	16%
Prêts agricoles	350 millions de dollars	13%

Services bancaires basés sur les frais

Les revenus des frais pour 2023 ont totalisé 12,7 millions de dollars, avec la ventilation du service suivante:

• Frais de maintenance du compte: 4,2 millions de dollars
• Frais de découvert: 3,1 millions de dollars
• Frais de transfert de fil: 2,5 millions de dollars
• Frais de transaction ATM: 1,9 million de dollars
• Autres frais de services bancaires: 1 million de dollars

Frais de transaction

Les revenus des frais de transaction en 2023 étaient de 6,3 millions de dollars, principalement générés à partir de:

Type de transaction	Revenus des frais
Transactions par carte de débit	3,6 millions de dollars
Traitement des cartes de crédit	1,7 million de dollars
Transferts de fonds électroniques	1 million de dollars

Services d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement pour 2023 ont atteint 5,6 millions de dollars, avec les composants suivants:

• Frais de gestion des actifs: 2,8 millions de dollars
• Services de conseil financier: 1,9 million de dollars
• Services de planification de la retraite: 900 000 $

Produits bancaires aux petites entreprises

Les revenus des produits bancaires aux petites entreprises en 2023 ont totalisé 8,2 millions de dollars, distribué comme suit:

Catégorie de produits	Revenu
Comptes de chèques d'entreprise	3,5 millions de dollars
Prêts aux petites entreprises	2,7 millions de dollars
Services marchands	2 millions de dollars

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.