Bank7 Corp. (BSVN): Business Model Canvas [Dec-2025 Updated]

You're looking to cut through the noise and see exactly how Bank7 Corp. is delivering that impressive Q3 2025 Return on Assets in the 2.3% to 2.5% range, all while maintaining a lean 0.35% non-performing loan ratio. Honestly, after spending years dissecting bank blueprints, I find their Business Model Canvas is the clearest map to their success: it's a high-efficiency, relationship-driven commercial lending machine built on a $1.891 billion asset base. See the nine core components-from their specialized hospitality lending to their disciplined cost structure-that drive this performance right here.

Bank7 Corp. (BSVN) - Canvas Business Model: Key Partnerships

You're looking at the essential external relationships that keep Bank7 Corp. running smoothly as of late 2025. These aren't just names on a page; they represent critical dependencies for compliance, operations, and growth.

Regulatory bodies (FDIC, OCC) for compliance and oversight

Bank7 Corp. operates under the strict oversight of federal regulators. The Bank is a Member FDIC, meaning deposits are insured up to the standard maximum deposit insurance amount. The capital strength underpinning this compliance is clear from recent filings.

These ratios were significantly above the minimum levels required to be designated as 'well-capitalized' for regulatory purposes. For context on the scale of operations under this oversight, Total Assets were reported at $1.8 billion as of June 30, 2025, with Total Loans at $1.5 billion for the same period.

Core technology providers for digital banking infrastructure

Specific names for core technology providers are not publicly detailed in the latest earnings materials. The operational focus remains on digital service delivery, as evidenced by the mention of Online and Mobile Banking services.

• Digital banking infrastructure use is implied by service offerings.
• No specific vendor names or associated financial contracts are disclosed.

Correspondent banks for liquidity and interbank services

While Bank7 Corp. operates in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas, specific correspondent bank partners and associated liquidity support figures are not itemized in the public Q3 2025 disclosures. The company emphasizes its 'robust liquidity'.

• Liquidity management is a stated focus area.
• No reported dollar amounts for interbank balances or services are available.

Local business associations for commercial client referrals

Bank7 Corp. focuses on serving business owners and entrepreneurs across its operating footprint. The mechanism for local referrals is not quantified with specific partnership agreements or referral fee income in the latest reports.

• Focus is on serving business owners and entrepreneurs.
• No specific local association partnership metrics are reported.

Investment banking partners for strategic M&A opportunities

The pursuit of strategic growth through acquisition is a stated intent, with a recent example being the deal completion with First American Mortgage Inc. on February 28, 2025. Management has indicated ongoing evaluations of potential partners, stating they 'continue to meet with various potential partners'.

The company is 'very disciplined in our approach' to these opportunities. Finance: review the integration costs from the February 2025 acquisition by next Tuesday.

Bank7 Corp. (BSVN) - Canvas Business Model: Key Activities

You're looking at the core engine of Bank7 Corp. as of late 2025. The Key Activities are all about disciplined execution in their chosen markets across Oklahoma, Texas (Dallas/Fort Worth metro), and Kansas, where they operate twelve full-service branches.

The primary focus revolves around relationship-based lending and deposit gathering. This means the team is constantly engaged in:

• Commercial and Industrial (C&I) loan origination and underwriting, targeting business owners and entrepreneurs.
• Generating organic core deposit growth through deep banker relationships, which is critical for funding loan activity.

The results of these activities are clearly visible in the recent financial performance. For the third quarter of 2025, the bank achieved $36.9M in organic loan growth alongside strong deposit inflows. This growth is supported by management highlighting strong banker-driven pipelines in Oklahoma and Texas.

A major activity is maintaining superior margin performance, which is a testament to disciplined pricing and balance sheet matching. For Q3 2025, the reported Net Interest Margin (NIM) held at 5.07% year-over-year, with the core NIM ending the quarter at 4.55% despite a September rate cut.

Active management of credit risk is non-negotiable, and the asset quality metrics support this focus. As of September 30, 2025, the ratio of Non-Performing Loans (NPLs) to total loans stood at a very clean 0.35%. This low level supports confidence in the credit book, even with management noting potential reserve builds due to macro volatility.

Finally, executing disciplined capital management is a core activity that directly rewards shareholders. This was demonstrated by the August 2025 announcement of the sixth consecutive annual dividend increase. The quarterly cash dividend was raised by 12.50% to $0.27 per common share from $0.24. The CEO noted this was achieved while keeping the dividend payout ratio below industry averages, allowing for continued capital building.

Here's a quick snapshot of the scale and key performance indicators underpinning these activities as of Q3 2025:

The bank's focus on its balance sheet health is further evidenced by its capital structure. You can see the strong regulatory standing:

• Tier 1 Leverage Ratio: 12.71% (Consolidated)
• Tier 1 Risk-Based Capital Ratio: 14.22% (Consolidated)
• Total Risk-Based Capital Ratio: 15.43% (Consolidated)

These ratios are all significantly above the minimum levels required to be designated as "well-capitalized." The activity of maintaining this capital buffer while returning capital via the dividend is a delicate, but key, part of the strategy. Finance: draft next quarter's loan pipeline forecast by end of next week.

Bank7 Corp. (BSVN) - Canvas Business Model: Key Resources

When you look at the foundation of Bank7 Corp. (BSVN), the key resources aren't just about what they own; it's about the capital strength and the people driving the business in Oklahoma, Texas, and Kansas. Honestly, for a regional bank, capital adequacy is the bedrock, and they've definitely got that covered.

The first pillar is the sheer size and stability of their balance sheet. As of the third quarter of 2025, Bank7 Corp. reported Total Assets of $\mathbf{\$1.891\text{ billion}}$. That scale allows them to underwrite larger commercial credits, which is their core focus. Also critical is how they fund those assets. Their Core deposit funding base, reported as Total Deposits at the end of Q3 2025, stood at $\mathbf{\$1.637\text{ billion}}$. That's sticky, relatively low-cost funding, which is gold when the funding markets get choppy.

Here's a quick look at those core financial resources as of September 30, 2025:

Next up is the capital strength, which is what regulators and sophisticated investors watch closely. Bank7 Corp. maintains a well-capitalized status, significantly above the minimum thresholds. Specifically, their consolidated Tier 1 Leverage Ratio was $\mathbf{12.71\%}$ on September 30, 2025. That ratio shows a strong buffer of high-quality capital relative to their assets, giving them flexibility. For context, their consolidated Total Risk-Based Capital Ratio was $\mathbf{15.43\%}$ at the same time.

You can't run a bank without the right people. The second major resource is the human capital: the experienced commercial bankers and executive team. Management has been vocal about the success of their banker-driven pipelines in Oklahoma and Texas, which directly supports their loan growth momentum. That expertise translates directly into the quality of their loan book and their ability to manage margins, as evidenced by their Pre-provision Pre-tax Earnings (PPE) rising to $\mathbf{\$14.9\text{ million}}$ for the quarter.

Finally, the physical footprint supports their relationship-based business model. Bank7 Corp. operates a physical branch network across Oklahoma, Texas, and Kansas. While they had seven branches back in 2018, more recent reports indicate they operate twelve full-service branches. These locations are strategically placed to serve business owners and entrepreneurs, covering key markets like Oklahoma City, the Dallas/Fort Worth metroplex, and various points in Kansas. This physical presence is a key touchpoint for their customer relationships.

The tangible and intangible assets that make up this resource base include:

• The physical locations supporting client interaction across three states.
• The specialized knowledge of the commercial lending staff.
• Strong regulatory capital ratios, like the $\mathbf{12.71\%}$ Tier 1 Leverage Ratio.
• A high-quality, stable funding base of $\mathbf{\$1.637\text{ billion}}$ in deposits.

The executive team's focus on maintaining strong liquidity and capital is a deliberate choice to support sustained growth.

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:

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:

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:

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:

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:

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:

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.