Updated
The most significant concentration Bank7 discloses is commercial purpose loans at 99.2%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: Bank7’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'we had approximately $1.60 billion of commercial purpose loans, which include general commercial, energy, agricultural, and CRE loans, representing approximately 99.2% of our gross loan portfolio'”
“10-K Item 1A: 'our 20 largest borrowing relationships ranged from approximately $21.9 million to $56.9 million...totaled approximately $659.9 million in total commitments (representing, in the aggregate, 33.8% of our total outstanding commitments'”
“10-K Item 1A: 'At December 31, 2025, our 20 largest deposit relationships accounted for 28.5% of our total deposits.'”
“10-K Item 1A: 'Our business is primarily affected by the economies of Oklahoma, Texas and to a smaller degree the state of Kansas.'”
“10-K Item 1A: 'The Company has loan exposure to the hospitality industry...this exposure was approximately $310.6 million, or 19.3%, of the total loan portfolio'”
“10-K Item 1A: 'our energy loans, which include loans to exploration and production companies, midstream companies, purchasers of mineral and royalty interests and service providers totaled $156.8 million, or 9.7% of total loans'”
Bank7 Corp.'s loan portfolio is almost entirely commercial in nature: commercial purpose loans — spanning general commercial, energy, agricultural, and commercial real estate — totaled approximately $1.60 billion, or 99.2% of the gross loan portfolio, a structural characteristic of the bank's business model. Within that commercial book, a meaningful share of exposure sits with a limited set of relationships: the 20 largest borrowing relationships accounted for 33.8% of total outstanding commitments, and the 20 largest deposit relationships represented 28.5% of total deposits — both medium-share dependency exposures that would matter disproportionately if a handful of these relationships turned or moved elsewhere. Geographically, the bank's business is primarily affected by the economies of Oklahoma and Texas, and to a smaller degree Kansas, a structural regional exposure. Two smaller loan-category concentrations round out the picture: hospitality industry loans at 19.3% of the portfolio and energy loans at 9.7%, both low-share but still relevant given sector cyclicality. Together, the near-total commercial loan mix and regional footprint form the structural core of Bank7's risk, while borrower and depositor concentration are the dependency-type exposures most sensitive to relationship-specific changes.
For the engine’s reasoning on BSVN’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| BSVN● | Bank7 Corp. | 1 | 3 | 2 | 6 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.