Bank7 Corp. (BSVN): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do setor bancário regional, o Bank7 Corp. (BSVN) surge como uma potência estratégica, redefinindo os serviços financeiros por meio de sua inovadora tela de modelo de negócios. Aninhado no coração de Oklahoma e Texas, essa instituição financeira ágil aproveita uma mistura única de bancos personalizados, soluções digitais de ponta e raízes profundas da comunidade para oferecer valor excepcional a pequenas e médias empresas. Ao integrar perfeitamente a experiência local com a infraestrutura tecnológica avançada, o Bank7 Corp. cria uma narrativa atraente do setor bancário orientado a relacionamentos que desafia os paradigmas financeiros tradicionais e promete uma abordagem mais responsiva e flexível para atender às diversas necessidades financeiras.

Bank7 Corp. (BSVN) - Modelo de Negócios: Principais Parcerias

Parcerias estratégicas com empresas locais em Oklahoma e Texas

A partir do quarto trimestre 2023, o Bank7 Corp. mantinha 87 parcerias estratégicas com empresas locais em Oklahoma e Texas.

Categoria de parceria	Número de parcerias	Cobertura geográfica
Pequenas empresas	52	Oklahoma (35), Texas (17)
Negócios agrícolas	22	Oklahoma (15), Texas (7)
Entidades comerciais regionais	13	Oklahoma (8), Texas (5)

Colaboração com empresas de fintech para soluções bancárias digitais

Bank7 Corp. estabeleceu 5 parcerias ativas de fintech Para aprimorar a infraestrutura bancária digital.

• Integração da plataforma de processamento de pagamento digital
• Desenvolvimento de tecnologia bancária móvel
• Colaboração de aprimoramento de segurança cibernética
• Parceria de Tecnologia de Empréstimos Online
• Suporte à infraestrutura bancária baseada em nuvem

Relacionamentos com investimentos regionais e redes de empréstimos

Bank7 Corp. tem 12 relacionamentos ativos de investimento e rede de empréstimos a partir de 2024.

Tipo de rede	Total de parcerias	Volume médio de empréstimo
Redes de investimentos regionais	7	US $ 42,3 milhões
Redes de empréstimos comerciais	5	US $ 28,6 milhões

Parcerias com organizações de desenvolvimento econômico comunitário

O Bank7 Corp. mantém 9 parcerias de desenvolvimento econômico comunitário ativas.

• Autoridade de Desenvolvimento Econômico de Oklahoma
• Centro de Desenvolvimento de Pequenas Empresas do Texas
• Corporação de Assistência Comunitária Rural
• Redes de Câmara de Comércio Locais
• Grupos colaborativos de reinvestimento comunitário

Bank7 Corp. (BSVN) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir do quarto trimestre 2023, a Bank7 Corp. reportou empréstimos totais de US $ 1,52 bilhão, com uma composição da carteira de empréstimos da seguinte forma:

Categoria de empréstimo	Montante total	Percentagem
Imóveis comerciais	US $ 752 milhões	49.5%
Comercial & Industrial	US $ 468 milhões	30.8%
Empréstimos ao consumidor	US $ 300 milhões	19.7%

Empréstimos e suporte para pequenas empresas

Bank7 Corp. concentra -se em empréstimos para pequenas empresas com as seguintes métricas principais:

• Empréstimos totais para pequenas empresas: US $ 287 milhões
• Tamanho médio do empréstimo: US $ 125.000
• Taxa de aprovação de empréstimos para pequenas empresas: 62%

Desenvolvimento da plataforma bancária digital

Investimentos e métricas bancárias digitais:

• Investimento de tecnologia anual: US $ 4,2 milhões
• Usuários bancários móveis: 68% da base total de clientes
• Volume de transações online: 1,2 milhão de transações mensais

Gerenciamento de riscos e avaliação de crédito

Indicadores de desempenho do gerenciamento de riscos:

Métrica	Valor
Taxa de empréstimo sem desempenho	1.37%
Reserva de perda de empréstimo	US $ 22,3 milhões
Ativo ponderado pelo risco de crédito	US $ 1,1 bilhão

Modelo bancário baseado em relacionamento

Métricas de relacionamento com o cliente:

• Total de contas de clientes: 42.500
• Valor médio do relacionamento do cliente: US $ 215.000
• Taxa de retenção de clientes: 87%

Bank7 Corp. (BSVN) - Modelo de negócios: Recursos -chave

Forte experiência bancária regional

O Bank7 Corp. opera com 19 locais bancários de serviço completo em Oklahoma e Texas a partir do quarto trimestre de 2023. O total de ativos relatados em US $ 1,34 bilhão com uma estratégia bancária regional focada.

Presença geográfica	Número de locais	Cobertura de ativos
Oklahoma	12 ramos	68% das operações regionais
Texas	7 ramos	32% das operações regionais

Infraestrutura de tecnologia bancária digital avançada

Investimento tecnológico de US $ 4,2 milhões em 2023 para plataformas bancárias digitais.

• Aplicativo bancário móvel com recursos de transação em tempo real
• Sistema de gerenciamento de contas online
• Protocolos integrados de segurança cibernética

Equipe de gerenciamento experiente

Liderança executiva com experiência bancária cumulativa de 87 anos.

Posição	Anos de experiência
CEO	22 anos
Diretor Financeiro	18 anos
CTO	15 anos

Conhecimento do mercado local

Foco especializado nos mercados de Oklahoma e Texas, com profundo entendimento da dinâmica econômica regional.

Capital financeiro robusto e liquidez

Métricas financeiras a partir do quarto trimestre 2023:

• Tier 1 Capital Ratio: 12,4%
• Total de rácio de capital baseado em risco: 14,6%
• Taxa de cobertura de liquidez: 135%

Métrica financeira	Quantia	Ano
Total de depósitos	US $ 1,16 bilhão	2023
Portfólio de empréstimos	US $ 1,02 bilhão	2023
Margem de juros líquidos	3.75%	2023

Bank7 Corp. (BSVN) - Modelo de Negócios: Proposições de Valor

Serviços bancários personalizados para pequenas e médias empresas

A partir do quarto trimestre de 2023, o Bank7 Corp. atende 4.387 clientes comerciais pequenos e médios em Oklahoma, Texas e Kansas. Carteira total de empréstimos bancários de negócios: US $ 624,3 milhões.

Segmento de negócios	Total de clientes	Valor da carteira de empréstimos
Pequenas empresas	3,142	US $ 412,7 milhões
Negócios de tamanho médio	1,245	US $ 211,6 milhões

Processos de aprovação de empréstimos mais rápidos

Tempo médio de aprovação do empréstimo: 3,2 dias, em comparação com a média do setor de 7 a 10 dias.

• Taxa de aprovação do empréstimo: 78,6%
• Valor médio do empréstimo: US $ 245.000
• Processamento de empréstimo digital mais rápido: menos de 24 horas

Atendimento ao cliente localizado

O Bank7 opera 26 localizações de filiais com 98,7% da taxa de retenção da equipe local.

Estado	Número de ramificações	Porcentagem de pessoal local
Oklahoma	15	97.3%
Texas	8	99.1%
Kansas	3	100%

Taxas de juros competitivas

Taxas de juros atuais em janeiro de 2024:

• Taxa de empréstimo comercial: 6,75% - 8,25%
• Conta de poupança pessoal: 3,15%
• Conta de corrente de negócios: 1,85%

Soluções financeiras flexíveis

Total de produtos financeiros oferecidos: 42 soluções bancárias exclusivas.

Categoria de produto	Número de produtos	Adoção média do cliente
Empréstimos comerciais	12	68%
Bancos pessoais	15	72%
Banco digital	15	82%

Bank7 Corp. (BSVN) - Modelo de Negócios: Relacionamentos do Cliente

Modelo bancário acionado por relacionamento alto

A partir do quarto trimestre 2023, o Bank7 Corp. mantém 38 locais bancários em Oklahoma e Texas, com foco em interações personalizadas de clientes.

Segmento de clientes	Frequência de interação	Tempo médio de engajamento
Clientes comerciais	Trimestral	2,4 horas por interação
Bancos pessoais	Mensal	1,2 horas por interação

Gerentes de relacionamento dedicados para clientes de negócios

O Bank7 Corp. fornece gerenciamento de relacionamento especializado para clientes de negócios.

• Total de gerentes de relacionamento dedicado: 52
• Portfólio médio de clientes por gerente: 18-22 empresas
• Taxa média de retenção de clientes: 87,3%

Abordagem personalizada de atendimento ao cliente

O Bank7 Corp. reportou US $ 16,3 milhões investidos em tecnologias de experiência do cliente em 2023.

Canal de serviço	Taxa de satisfação do cliente
Bancos pessoais	94.2%
Banco digital	89.7%

Canais de interação digital e pessoal

• Downloads de aplicativos bancários móveis: 42.500
• Usuários bancários online: 68% da base total de clientes
• Volume médio de transação digital: 3,7 transações por usuário mensalmente

Engajamento da comunidade e apoio local

O Bank7 Corp. alocou US $ 875.000 para iniciativas de apoio à comunidade local em 2023.

Área de investimento comunitário	Valor de financiamento
Suporte comercial local	$425,000
Bolsas de estudo educacionais	$250,000
Infraestrutura comunitária	$200,000

Bank7 Corp. (BSVN) - Modelo de Negócios: Canais

Rede de agência bancária física

A partir de 2024, o Bank7 Corp. opera 18 agências bancárias físicas em Oklahoma e Texas.

Estado	Número de ramificações
Oklahoma	12
Texas	6

Plataforma bancária online

O Bank7 Corp. fornece uma plataforma bancária on -line abrangente com os seguintes recursos:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Histórico de transações

Aplicativo bancário móvel

O aplicativo bancário móvel suporta:

• Depósito de cheque móvel
• Alertas de conta em tempo real
• Controles de cartão
• Login biométrico

Serviços bancários telefônicos

Tipo de serviço	Disponibilidade	Horas
Suporte ao cliente	24/7	8:00 - 18:00 CST
Informações da conta	Automatizado	24/7

Sistemas de suporte ao cliente digital

Os canais de suporte digital incluem:

• Bate -papo ao vivo
• Suporte por e -mail
• Assistência à mídia social

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

Pequenas e médias empresas em Oklahoma e Texas

O Bank7 Corp. atende a aproximadamente 1.275 empresas pequenas e médias em Oklahoma e Texas a partir do quarto trimestre 2023. Portfólio total de empréstimos comerciais: US $ 387,6 ​​milhões.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Oklahoma Business	742	$245,000
TEXAS NEGÓCIOS	533	$312,500

Empresas comerciais locais

O Bank7 se concentra em empresas comerciais locais com empréstimos imobiliários comerciais totais de US $ 212,4 milhões em 31 de dezembro de 2023.

• Empresas de varejo: 38% do portfólio comercial
• Indústrias de serviço: 29% do portfólio comercial
• Serviços profissionais: 22% do portfólio comercial
• Fabricação: 11% do portfólio comercial

Consumidores individuais nos mercados regionais -alvo

Total de clientes bancários de consumidores: 48.375 a partir do quarto trimestre 2023. Ativos bancários pessoais: US $ 624,3 milhões.

Segmento do consumidor	Número de clientes	Saldo médio da conta
Verificação pessoal	32,510	$8,750
Economia pessoal	15,865	$22,400

Setor de negócios agrícola e rural

Portfólio de empréstimos agrícolas: US $ 156,2 milhões. Total de clientes de negócios rurais: 687 em 31 de dezembro de 2023.

• Empréstimos de produção agrícola: US $ 87,6 milhões
• Operações de gado: US $ 45,3 milhões
• Financiamento de equipamentos rurais: US $ 23,3 milhões

Provedores de serviços profissionais

Segmento de provedores de serviços profissionais: 412 clientes com portfólio total de empréstimos de serviços profissionais de US $ 94,7 milhões.

Categoria profissional	Número de clientes	Valor médio do empréstimo
Profissionais médicos	187	$275,000
Serviços Jurídicos	114	$215,000
Empresas de contabilidade	111	$185,000

Bank7 Corp. (BSVN) - Modelo de Negócios: Estrutura de Custo

Pessoal e despesas de salário

Até o relatório anual de 2022, a Bank7 Corp. registrou despesas totais de pessoal de US $ 19,8 milhões. A quebra da compensação dos funcionários é a seguinte:

Categoria de despesa	Valor ($)
Salários	15,600,000
Benefícios	3,200,000
Impostos sobre folha de pagamento	1,000,000

Manutenção de tecnologia e infraestrutura digital

Bank7 Corp. investiu US $ 4,2 milhões em infraestrutura de tecnologia em 2022, com a seguinte alocação:

• Atualizações do sistema bancário principal: US $ 1,5 milhão
• Aprimoramentos de segurança cibernética: US $ 1,1 milhão
• Manutenção da plataforma bancária digital: US $ 1,6 milhão

Operação de filial e custos imobiliários

As despesas operacionais imobiliárias e de agência do banco são totalizadas US $ 6,7 milhões Em 2022:

Categoria de custo	Valor ($)
Arrendamento e aluguel	3,900,000
Utilitários	1,200,000
Manutenção	1,600,000

Despesas de conformidade regulatória

Os custos relacionados à conformidade para o Bank7 Corp. eram US $ 2,9 milhões Em 2022:

• Relatórios legais e regulatórios: US $ 1,3 milhão
• Software e sistemas de conformidade: US $ 900.000
• Auditoria e consultoria externa: US $ 700.000

Custos de marketing e aquisição de clientes

O banco gastou US $ 3,5 milhões em marketing e aquisição de clientes em 2022:

Categoria de despesa de marketing	Valor ($)
Marketing digital	1,800,000
Publicidade tradicional	1,000,000
Programas de aquisição de clientes	700,000

Bank7 Corp. (BSVN) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais e de consumo

A partir do quarto trimestre de 2023, a Bank7 Corp. reportou receita de juros líquidos de US $ 53,4 milhões. A quebra da carteira de empréstimos é a seguinte:

Categoria de empréstimo	Balanço total	Porcentagem de portfólio
Imóveis comerciais	US $ 1,2 bilhão	45%
Comercial & Industrial	US $ 685 milhões	26%
Empréstimos ao consumidor	US $ 420 milhões	16%
Empréstimos agrícolas	US $ 350 milhões	13%

Serviços bancários baseados em taxas

A receita da taxa de 2023 totalizou US $ 12,7 milhões, com a seguinte quebra de serviço:

• Taxas de manutenção de conta: US $ 4,2 milhões
• Taxas de cheque especial: US $ 3,1 milhões
• Taxas de transferência de fio: US $ 2,5 milhões
• Taxas de transação ATM: US $ 1,9 milhão
• Outras taxas de serviços bancários: US $ 1 milhão

Taxas de transação

A receita da taxa de transação em 2023 foi de US $ 6,3 milhões, gerada principalmente de:

Tipo de transação	Receita de taxas
Transações com cartão de débito	US $ 3,6 milhões
Processamento de cartão de crédito	US $ 1,7 milhão
Transferências de fundos eletrônicos	US $ 1 milhão

Serviços de investimento e gerenciamento de patrimônio

A receita de serviços de investimento para 2023 atingiu US $ 5,6 milhões, com os seguintes componentes:

• Taxas de gerenciamento de ativos: US $ 2,8 milhões
• Serviços de Consultoria Financeira: US $ 1,9 milhão
• Serviços de planejamento de aposentadoria: US $ 900.000

Produtos bancários para pequenas empresas

A receita de produtos bancários de pequenas empresas em 2023 totalizou US $ 8,2 milhões, distribuída da seguinte maneira:

Categoria de produto	Receita
Contas de corrente de negócios	US $ 3,5 milhões
Empréstimos para pequenas empresas	US $ 2,7 milhões
Serviços comerciais	US $ 2 milhões

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.