Bank7 Corp
NASDAQ:BSVN
Bank7 Corp
Bank7 Corp. operates as bank holding company which engages in the ownership and management of the Bank7. The company is headquartered in Oklahoma City, Oklahoma and currently employs 122 full-time employees. The company went IPO on 2018-09-20. The Bank is primarily engaged in providing a range of banking and financial services to individual and corporate customers located in Oklahoma, Kansas, and Texas. Its loan portfolio includes real estate, commercial & industrial, agricultural and consumer (including Grade 1 (Pass), Grade 2 (Watch), Grade 3 (Special Mention), and Grade 4 (Substandard)). The real estate portfolio consists of residential and commercial properties. The commercial portfolio includes loans to commercial customers for use in financing working capital needs, equipment purchases, and expansions. The agricultural loan for the purpose of acquiring land devoted to crop production, cattle or poultry or the operation of a similar type of business on the secured property. The consumer loan portfolio consists of various term and line of credit loans such as automobile loans and loans for other personal purposes.
Bank7 Corp. operates as bank holding company which engages in the ownership and management of the Bank7. The company is headquartered in Oklahoma City, Oklahoma and currently employs 122 full-time employees. The company went IPO on 2018-09-20. The Bank is primarily engaged in providing a range of banking and financial services to individual and corporate customers located in Oklahoma, Kansas, and Texas. Its loan portfolio includes real estate, commercial & industrial, agricultural and consumer (including Grade 1 (Pass), Grade 2 (Watch), Grade 3 (Special Mention), and Grade 4 (Substandard)). The real estate portfolio consists of residential and commercial properties. The commercial portfolio includes loans to commercial customers for use in financing working capital needs, equipment purchases, and expansions. The agricultural loan for the purpose of acquiring land devoted to crop production, cattle or poultry or the operation of a similar type of business on the secured property. The consumer loan portfolio consists of various term and line of credit loans such as automobile loans and loans for other personal purposes.
Strong Loan & Deposit Growth: Bank7 delivered outstanding loan fee income and organic deposit growth in 2025, outperforming expectations despite a competitive market.
Asset Quality: Management highlighted that asset quality is likely the best it has ever been, attributing this to disciplined underwriting.
Net Interest Margin Pressure: The bank saw some net interest margin compression in Q4, coming off near all-time highs, and expects potential further slight declines if rate cuts continue.
Deposit Competition: Deposit pricing remains competitive, with customers increasingly attentive to interest rates and the mix of noninterest-bearing accounts declining.
Capital & M&A Discipline: The bank is accumulating capital at a rapid pace and remains disciplined on M&A, not rushing into deals or buybacks despite market pressure.
Expense Control: Cost discipline remains a core focus, with Q4 core expenses well managed and oil and gas revenues expected to contribute only immaterially going forward.
