Bank7
Bank7 Corp. (NASDAQ: BSVN) is an Oklahoma City–based bank holding company operating 12 branches across Oklahoma, the Dallas–Fort Worth metro area, and Kansas, serving business owners and entrepreneurs with commercial, agricultural, SBA, residential mortgage, and consumer lending, plus treasury management and digital banking services.
- Company typePublic
- Founded2005
- HeadquartersOklahoma City, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Bank7 does
Bank7 Corp. (NASDAQ: BSVN) is a single-bank holding company headquartered in Oklahoma City that operates a 12-branch regional banking franchise spanning Oklahoma, the Dallas–Fort Worth metropolitan area, and Kansas. Founded in 2005 and active across commercial, agricultural, real estate, and consumer lending, Bank7 positions itself as a relationship bank serving business owners and entrepreneurs with an emphasis on fast, well-designed loan and deposit products. Personal and business deposit products include checking, money market, savings, CDs, IRAs, debit cards (now contactless Visa), and credit cards issued through Elan Financial Services; lending spans commercial, agricultural, SBA, 1031 exchange-backed deposits, and residential mortgages originated through the acquired First American Mortgage platform.
The company is built on a conventional regional banking technology stack: a core banking system exposed through web and mobile banking, mobile wallet integrations (Apple Pay, Samsung Pay, Android Pay), Zelle for P2P payments, and a treasury management suite for businesses that includes ACH origination, lockbox, positive pay, remote deposit capture, wire transfer services, and zero balance accounts. Foreign currency exchange across 80+ currencies is offered at all 12 branches, differentiating the consumer suite locally.
Economically, Bank7 earns revenue primarily through net interest income on its $1.59B loan portfolio (Q1 2026 net interest income of $24.19M on $33.78M of total interest income), supplemented by noninterest income from mortgage lending, deposit service charges, and other banking fees (Q1 2026 noninterest income of $1.97M). Approximately 80% of the loan book is floating-rate, supporting a 5.27% net interest margin in Q1 2026 (up 29 bps year-over-year). With a 39.64% efficiency ratio, 19.95% return on average tangible common equity, a 15.96% total risk-based capital ratio, and ~55% insider ownership, the unit economics and capital profile are characteristic of a top-quartile community bank. Distribution is omnichannel: 12 branches, online/mobile banking, and a relationship-driven direct sales motion targeting commercial customers in the bank's three-state footprint.
Bank7 firmographics
Firmographics- Name
- Bank7
- Legal name
- Bank7 Corp.
- Website
- https://bank7.com
- Company type
- Public
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Bank7 Corp. (NASDAQ: BSVN) is an Oklahoma City–based bank holding company operating 12 branches across Oklahoma, the Dallas–Fort Worth metro area, and Kansas, serving business owners and entrepreneurs with commercial, agricultural, SBA, residential mortgage, and consumer lending, plus treasury management and digital banking services.
- Ownership category
- akta.pro rank
Bank7 industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)
- SIC
- National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where Bank7 is headquartered
LocationHeadquarters
- HQ city
- Oklahoma City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Bank7 business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Primary revenue driver from interest-earning assets including loans (commercial, agricultural, real estate, personal) and securities. The bank earns interest income on its loan portfolio and investments, offset by interest paid on deposits. Q1 2026 total interest income was $33.78 million with net interest income of $24.19 million.
- Noninterest Income: Secondary revenue from mortgage lending income, service charges on deposit accounts, and other banking fees. Q1 2026 noninterest income was $1.97 million including mortgage lending income of $375 thousand and service charges of $249 thousand.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Wire transfer fee schedule |
| Subscription | Quarterly | Quarterly dividend |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Bank7 product offering
Product offeringCore offering
Bank7 Corp. is a publicly traded Oklahoma City-based bank holding company that operates its wholly-owned subsidiary Bank7, providing commercial and consumer banking services through 12 branches across Oklahoma, Dallas/Fort Worth, and Kansas. The company funds commercial loans (commercial and industrial, agricultural, real estate), personal loans, and a securities portfolio, while generating fee income from mortgage lending, service charges, wire transfers, and foreign currency exchange. It also delivers digital banking through online and mobile channels with mobile wallet, Zelle, and contactless debit card capabilities, and serves business owners and entrepreneurs alongside individual consumers.
Product overview
Bank7 is a regional bank holding company offering a unified banking platform with personal and business deposit and lending products. The personal banking suite includes checking/money market accounts, savings/CDs/IRAs, debit and credit cards (via Elan Financial partnership), home mortgages (through First American Mortgage), personal loans, and digital banking channels. Business banking encompasses commercial and agricultural loans, SBA programs, 1031 tax-deferred exchanges, and treasury management services (ACH, lockbox, positive pay, remote deposit capture, wire transfers). Digital banking is delivered through online banking, mobile banking apps, and mobile wallet integrations with Apple Pay, Samsung Pay, and Android Pay, plus Zelle peer-to-peer payments. The bank operates 12 branches across Oklahoma, Dallas/Fort Worth, Texas, and Kansas.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking and Money Market Accounts
Quantifiable outcome
- Return on average tangible common equity of 19.95% in Q1 2026, placing Bank7 in the top 1% of banks
- +3 more outcomes
Companies that use Bank7
Customer profileSegments1 record
Ideal customer profiles2 records
Bank7 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Bank7 partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Elan Financial ServicescoreCredit card products partnership through which Bank7 offers industry-leading credit card products including cards with cash back, rewards, and credit building options. Elan Financial Services provides zero fraud liability, mobile purchasing capability, and 24/7 cardmember service. Cards are issued by Elan Financial Services pursuant to separate licenses from Visa and Mastercard.
Scale indicators14 records
Recent moves7 records
Expansion highlights6 records
Bank7 competitors and assessment
Company assessmentBroad incumbents
- Prosperity Bancshares: Prosperity Bancshares (NYSE: PB) is a large Texas-based regional bank holding company with extensive DFW and Texas presence. It competes with Bank7 for commercial and small business banking relationships in the same Dallas/Fort Worth metro area Bank7 is targeting for growth.
- Cullen/Frost Bankers: Cullen/Frost (NYSE: CFR) is the San Antonio-based parent of Frost Bank, a Texas regional bank with significant DFW presence. It competes for commercial banking relationships in the same Dallas/Fort Worth market and represents a larger incumbent competitor with broader product suite.
- Home BancShares: Home BancShares (NYSE: HOMB) is an Arkansas-based regional bank holding company of similar community-bank DNA but larger scale. Its franchise of community banks across the South/Southwest offers a benchmark for community bank M&A roll-up strategy similar to Bank7's Cornerstone Bank acquisition approach.
- FB Financial Corporation: FB Financial (NYSE: FBK) is the Nashville-based parent of FirstBank, operating in Tennessee and surrounding states. As a larger community bank holding company with a similar business-owner focus and asset quality discipline, it provides a comparable model for community bank growth and profitability.
- Heartland Financial USA: Heartland Financial (NASDAQ: HTLF), now operating as HTLF Bank Holding Company, is a Dubuque, Iowa-based community bank holding company operating multiple community bank charters across the Midwest and Southwest. Comparable in pursuing community banking in Midwestern/Southwestern markets with relationship-banking focus.
- BOK Financial Corporation: BOK Financial (NASDAQ: BOKF) is a $50B+ asset Tulsa, Oklahoma-based bank holding company with deep Oklahoma, Texas, and Kansas market presence. As the dominant regional bank in Bank7's home market, BOK represents the larger incumbent competitor pursuing similar commercial and business banking customers across overlapping geographies.
Direct peers
- Southside Bancshares: Southside Bancshares (NASDAQ: SBSI) is a Texas-based community bank holding company of comparable scale. It targets similar commercial and consumer banking relationships in Texas markets overlapping with Bank7's geographic footprint, providing a closely comparable community bank model.
- Independent Bank Group: Independent Bank Group (NASDAQ: IBTX) is a McKinney, Texas-based community bank holding company with operations across Texas and Oklahoma. It serves similar business-owner and commercial banking customers with comparable community-banking model, making it one of the closest direct competitors in Bank7's Dallas/Fort Worth expansion market.
- Truxton Corporation: Truxton Corporation (OTCMKTS: TRUX) is a Nashville-based bank holding company explicitly compared with Bank7 in the source data. Both are sub-$3B asset community banking franchises with similarly strong profitability metrics and relationship-banking models. Direct benchmark for community bank valuation comparison.
- FirstBank (TN): FirstBank (NASDAQ: FRBA) is a Tennessee-based community bank holding company with similar community banking strategy and sub-$15B asset scale. While geographically distinct (Tennessee vs. OK/TX/KS), it offers a comparable business model—relationship banking with business owners and consumers—making it a model community bank peer.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Bank7 social profiles
Digital presenceBank7 compliance and trust
Trust signalCompliance2 records
Bank7 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bank7 leadership team
Management profileNumber of profiles
Profiles10 records
Bank7 subsidiaries and ownership
Company hierarchySubsidiaries1 record
Bank7 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bank7 M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bank7
What does Bank7 do?
Bank7 Corp. is a publicly traded Oklahoma City-based bank holding company that operates its wholly-owned subsidiary Bank7, providing commercial and consumer banking services through 12 branches across Oklahoma, Dallas/Fort Worth, and Kansas. The company funds commercial loans (commercial and industrial, agricultural, real estate), personal loans, and a securities portfolio, while generating fee income from mortgage lending, service charges, wire transfers, and foreign currency exchange. It also delivers digital banking through online and mobile channels with mobile wallet, Zelle, and contactless debit card capabilities, and serves business owners and entrepreneurs alongside individual consumers.
Is Bank7 a public or private company?
Bank7 is a public company. It is classified as public and is currently operating.
When was Bank7 founded?
Bank7 was founded in 2005. It employs 51 to 100 people.
Where is Bank7 based?
Bank7 is headquartered in Oklahoma City, United States, in the North America region.
How does Bank7 make money?
Two revenue lines are on record. Net Interest Income is the primary driver. The others are noninterest Income.
Who are Bank7's main competitors?
Broad incumbents on record are Prosperity Bancshares, Cullen/Frost Bankers, Home BancShares, FB Financial Corporation, Heartland Financial USA and BOK Financial Corporation. Direct peers are Southside Bancshares, Independent Bank Group, Truxton Corporation and FirstBank (TN).
Does Bank7 have an API?
No public API is recorded for Bank7.
What industry is Bank7 in?
Bank7's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6021.