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.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
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.