Bank7 Corp. (BSVN) is a community bank that focuses on commercial banking services, primarily operating in Oklahoma, the Dallas/Fort Worth metropolitan area, and Kansas. The company provides personalized financial solutions to entrepreneurs and businesses, emphasizing commercial real estate and energy asset financing. BSVN operates under a branch-lite model and maintains a disciplined approach to risk management and operational efficiency.
- Commercial Banking Services - Offers tailored financial solutions to entrepreneurs and businesses, focusing on high-touch personalized service and diverse commercial real estate portfolios.
- Loan Portfolio - Provides loans secured by real estate and energy assets, with a significant portion maturing in one year or less, emphasizing disciplined loan pricing and organic growth.
- Deposit Franchise - Drives organic growth in core deposits and transaction accounts, supported by experienced bankers and stable liquidity.
- Risk Management - Implements a robust risk management framework and disciplined credit culture, ensuring strong historical credit quality and low non-performing loan ratios.
- Capital Management - Maintains high levels of capital and a low dividend payout ratio, ensuring financial flexibility and alignment with shareholder interests.
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| Name | Position | External Roles | Short Bio | |
|---|---|---|---|---|
Douglas A. Haines ExecutiveBoard | Regional President for Western Oklahoma and Kansas | Douglas A. Haines has served as the Regional President for Western Oklahoma and Kansas for BSVN since 2016 and also holds a board position; he previously served as CFO and Assistant City Manager for the City of Woodward, Oklahoma. | ||
Jason E. Estes ExecutiveBoard | President and Chief Credit Officer of the Bank | Jason E. Estes has served as President and Chief Credit Officer of the Bank since 2022 and has held executive roles at BSVN since 2018, including serving as Executive Vice President and Chief Credit Officer of the Company, and began his career at BSVN in 2016. | ||
John T. Phillips ExecutiveBoard | Senior Executive Vice President and Chief Operating Officer | Chief Financial Officer of Haines Capital Group | John T. Phillips has been with BSVN since 2004, currently serving as Senior Executive Vice President and Chief Operating Officer (since 2018) and as a board member. He previously served as President (2004-2018) and as the Bank's CFO (2004-2015). | |
Thomas L. Travis ExecutiveBoard | President and Chief Executive Officer of Bank7 Corp. | Thomas L. Travis has been serving as the President and Chief Executive Officer of Bank7 Corp. since at least 2018, while also serving as Vice Chairman and CEO of Bank7 (the Bank) and holding board positions since 2018 and 2014 respectively. | View Report → | |
Kelly J. Harris Executive | Executive Vice President and Chief Financial Officer | Vice President of Health Alliance for the Uninsured | Kelly J. Harris has served as the Executive Vice President and Chief Financial Officer of Bank7 Corp since 2021, after previously holding roles as Senior Vice President and Chief Financial Officer from 2018 and Vice President and Chief Financial Officer from 2015. He is a licensed Certified Public Accountant with extensive experience in financial management. | |
Edward P. Gray Board | Director | Managing Director of Roaring Fork Capital, LLC | Edward P. Gray is a director at Bank7 Corp. (BSVN) since February 2022. He has over 30 years of experience in healthcare finance, previously serving as President and CEO at Healthcare Partners Investments LLC and currently as Managing Director at Roaring Fork Capital, LLC. | |
Gary D. Whitcomb Board | Director of the Bank | Owner of Whitcomb Real Estate Sales & Consulting; Mayor and City Commissioner of Woodward, Oklahoma | Gary D. Whitcomb has served as Director of the Bank at BSVN since 2010 and was later appointed to the board of directors in 2018. He brings over 30 years of experience in real estate as the owner of Whitcomb Real Estate Sales & Consulting since 1986 and has served as Mayor and City Commissioner of Woodward, Oklahoma. | |
J. Michael Sanner Board | Director | Member of the Board of Directors at OGE Energy Corp.; Member of the Board of Directors at Oklahoma Gas & Electric Company (Chair of the Audit Committee, Nomination and Corporate Governance Committee member) | J. Michael Sanner has been serving as a director at BSVN since 2018. He brings over 38 years of experience in accounting and auditing, having previously been an Assurance Partner at Ernst & Young until his retirement in June 2013. | |
Teresa L. Dick Board | Director | Executive Vice President, Chief Accounting Officer, and Assistant Secretary at Diamondback Energy, Inc. | Teresa L. Dick serves as a director at BSVN since March 2021 and is an independent director under NASDAQ rules, bringing over two decades of expertise in accounting and finance from her leadership roles as CFO and CAO at Diamondback Energy, Inc. | |
William B. Haines Board | Chairman of the board of directors | Trustee of the William B. Haines Financial Services Trust; CEO of Haines Capital Group, L.L.C. | William B. Haines founded Bank7 Corp. (BSVN) in 2004 and has served as the Chairman of the board of directors since its inception. He previously served as the Chief Executive Officer from 2004 until 2014 and is the trustee of the William B. Haines Financial Services Trust. | |
William M. Buergler Board | Board Member and Chairman of the Audit Committee | Partner at MAP Energy | William M. Buergler is a seasoned accounting professional serving as a Board Member and Chairman of the Audit Committee at BSVN since September 2019. He has over two decades of experience, having held leadership roles such as Partner at MAP Energy, Senior Vice President and Chief Accounting Officer at Chesapeake Energy Corporation, and positions at Ernst & Young LLP and Arthur Andersen LLP. |
- Given your comments on the lumpy paydowns affecting loan growth despite a strong pipeline in Texas and Oklahoma, what specific strategies are you implementing to reduce volatility and ensure sustainable origination growth?
- With deposit costs remaining relatively stable while you expect growth and slight NIM degradation, how do you plan to balance increased funding costs with margin preservation amid competitive pricing pressures?
- You mentioned having signed LOIs that ultimately did not materialize—what key learnings from those experiences will influence your approach to future M&A or lift-out opportunities?
- In light of anticipated Fed funds cuts and your comments on rate sensitivity, how resilient do you expect your NIM to remain, and what contingency plans are in place if margin compression accelerates?
- Although your credit quality remains strong, considering the shifts in your energy lending and other portfolios, how will you ensure that rapid portfolio growth does not compromise asset quality in the current uncertain economic environment?
Research analysts who have asked questions during Bank7 earnings calls.
Matt Olney
Stephens Inc.
4 questions for BSVN
Nathan Race
Piper Sandler & Co.
4 questions for BSVN
Wood Lay
Keefe, Bruyette & Woods
3 questions for BSVN
Woody Lay
Keefe, Bruyette & Woods (KBW)
1 question for BSVN
Notable M&A activity and strategic investments in the past 3 years.
| Company | Year | Details |
|---|---|---|
First American Mortgage, Inc. | 2025 | The acquisition enhanced Bank7’s mortgage division by adding a 30‑year‑old lending firm that has facilitated over $3 billion in funding and assisted 18,000 families; Bank7 paid $2.75 million in cash and expects improved service offerings and streamlined processes. |
Cornerstone Bank | 2021 | Bank7 acquired Cornerstone Bank via a share acquisition agreement, completed on December 9, 2021, with a final cash consideration of approximately $29.3 million (initially estimated at $32 million); the deal significantly increased assets, deposits, and loans while expanding its branch network in Oklahoma City. |
Watonga Bancshares, Inc. | 2021 | The acquisition of Watonga Bancshares, Inc. (the holding company for Cornerstone Bank) was completed on December 9, 2021, for a final cash consideration of $29.3 million (subject to adjustments from an original $32 million); the deal bolstered Bank7’s core deposit base and operational efficiency with strong EPS accretion and led to the dissolution of WBI following the merger. |
Recent press releases and 8-K filings for BSVN.
- Bank7 Corp. reported a solid Q3 2025, characterized by strong organic growth in both loan and deposit portfolios and robust capital accumulation.
- The core net interest margin for Q3 2025 was 4.55%, with management anticipating a slight compression to 4.50% in Q4, potentially reaching 4.47% with additional rate cuts.
- Loan fee income, contributing 40 basis points to the margin in Q3, saw outperformance but is expected to normalize going forward.
- Despite strong credit trends, the company increased its reserve in Q3 2025, citing portfolio growth and macro volatility, while credit migrations remained benign.
- For Q4 2025, core fee income is projected at $1 million, and non-interest expense is expected to be between $9 million and $9.5 million.
- Bank Seven Corp. reported a solid third quarter 2025, characterized by strong organic growth in both loan and deposit portfolios, robust capital accumulation, and strong capital ratios.
- The company is targeting high single-digit year-over-year loan growth, with new loans coming onto the portfolio at an average of 7.00%-7.25%.
- The core Net Interest Margin (NIM) ended Q3 2025 at 4.55% and is projected to compress slightly to 4.50% with the first Q4 rate cut, potentially reaching 4.47% with additional rate cuts.
- Credit trends were strong, but reserves were increased due to portfolio growth and increased macro volatility, with the possibility of further provisioning if conditions change or growth continues.
- BSVN remains active in the M&A space, but faces challenges from the overhang of AOCI and long-maturity, lower fixed-rate loans on potential sellers.
- BSVN reported Earnings Per Share (EPS) of $1.13 for Q3 2025, driven by core earnings.
- The company maintained strong profitability with a Return on Average Assets (ROAA) of 2.33% and Return on Average Tangible Common Equity (ROATCE) of 19.07% for Q3 2025.
- Capital ratios remained robust, with a CET1 ratio of 14.22% and a Tier 1 Leverage ratio of 12.71% as of Q3 2025, significantly exceeding regulatory "well capitalized" thresholds.
- Asset quality was strong, evidenced by Non-Performing Loans (NPLs) to Total Loans of 0.35% and net recoveries of $483,000 (NCO of -13bps) in Q3 2025.
- BSVN demonstrated strong liquidity with $814.15 million in cash, unpledged securities, and undrawn credit, providing 2.63x coverage of adjusted uninsured deposits as of September 30, 2025.
- Bank7 Corp. reported a solid Q3 2025 with strong organic growth in loan and deposit portfolios, leading to robust income and capital accumulation.
- Management anticipates high single-digit year-over-year loan growth and projects core net interest margin to slightly compress from 4.55% in Q3 to 4.50% - 4.47% in Q4 2025 due to potential rate cuts.
- For Q4 2025, core fee income is expected to be around $1 million, and non-interest expenses are projected to be between $9 million and $9.5 million.
- Credit trends remained strong in Q3 2025, with benign migrations, though reserves were increased due to portfolio growth and macro volatility.
- The company remains active in M&A discussions, seeking strategic combinations, but notes challenges such as the overhang of AOCI impacting potential sellers.
- Bank7 Corp. reported net income of $10.8 million and earnings per share of $1.13 for the third quarter of 2025, representing decreases of 2.35% and 2.59% respectively compared to the second quarter of 2025.
- Total assets increased by 3.00% to $1.9 billion and total loans increased by 2.46% to $1.5 billion in Q3 2025 compared to Q2 2025.
- The company maintained strong capital ratios as of September 30, 2025, with a Tier 1 leverage ratio of 12.71% and a Tier 1 risk-based capital ratio of 14.22%.
- Key profitability metrics for Q3 2025 included a Return on Average Assets (ROAA) of 2.33%, an efficiency ratio of 41.12%, and a net interest margin of 5.07%.
- Asset quality remained strong with Non-Performing Loans (NPLs) as a percentage of total loans at 0.35%.
- Bank7 Corp. reported net income of $10.8 million and earnings per share of $1.13 for the third quarter ended September 30, 2025, reflecting decreases of 2.35% and 2.59% respectively, compared to the previous quarter.
- As of September 30, 2025, total assets grew by 3.00% to $1.9 billion and total loans increased by 2.46% to $1.5 billion compared to June 30, 2025.
- Pre-provision pre-tax earnings (PPE) rose by 1.29% to $14.9 million and total interest income increased by 6.09% to $33.7 million for the three months ended September 30, 2025, compared to the prior quarter.
- The Bank's capital levels as of September 30, 2025, were significantly above minimum regulatory requirements, with a Tier 1 leverage ratio of 12.71%, a Tier 1 risk-based capital ratio of 14.23%, and a total risk-based capital ratio of 15.44%.