The bank maintains a stable capital structure with an equity-to-assets ratio of 0.13, providing a necessary buffer against potential credit volatility.
Bank7 Corp. (BSVN) balance sheet — 10-year assets, liabilities & shareholders' equity history
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 |
|---|
| Cash & Short Term Investments | 1.12B | 255.09M | 273.14M | 338.41M | 287.75M | 283.4M | 170.31M | 147.28M | 159.85M | 130.22M | 103.67M |
| Cash & Due from Banks | 246.7M | 244.63M | 240.91M | 198.72M | 114.59M | 198.6M | 170.31M | 147.28M | 159.85M | 130.22M | 103.67M |
| Short Term Investments | 52.14M | 10.46M | 32.22M | 139.69M | 173.16M | 84.81M | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 52.14M | 65.64M | 1.41B | 1.48B | 1.43B | 1.1B | 828.47M | 701.59M | 593.64M | 556.78M | 496.81M |
| Investments Growth % | -171.16% | -95.35% | -4.71% | 3.69% | 29.47% | 33.33% | 18.08% | 18.18% | 6.62% | 12.07% | - |
| Long-Term Investments | 3.11B | 55.18M | 1.38B | 1.34B | 1.26B | 1.02B | 828.47M | 701.59M | 593.64M | 556.78M | 496.81M |
| Accounts Receivables | 0 | 0 | 0 | 0 | 16.44M | 10.52M | 7.15M | 6.12M | 7.16M | 4.68M | 4.27M |
| Goodwill & Intangibles | 11.93M | 11.96M | 9.34M | 9.49M | 9.94M | 10.12M | 1.58M | 1.79M | 2M | 2.2M | 2.41M |
| Goodwill | 11.21M | 11.21M | 8.46M | 8.46M | 8.6M | 8.48M | 1.01M | 1.01M | 1.01M | 1.01M | 1.01M |
| Intangible Assets | 721K | 752K | 878K | 1.03M | 1.34M | 1.64M | 572K | 778K | 984K | 1.19M | 1.4M |
| PP&E (Net) | 24.11M | 21.88M | 18.14M | 14.94M | 13.11M | 17.26M | 9.15M | 9.62M | 7.75M | 9.6M | 6.51M |
| Other Assets | 0 | -55.18M | 58.45M | 65.68M | 0 | 9.49M | 0 | 0 | 110K | 100K | 103.44K |
| Total Current Assets | 298.84M | 298.65M | 273.14M | 338.41M | 304.19M | 293.93M | 177.47M | 153.39M | 167.01M | 134.91M | 107.94M |
| Total Non-Current Assets | 36.04M | 33.84M | 1.47B | 1.43B | 1.28B | 1.06B | 839.2M | 713M | 603.5M | 568.69M | 505.84M |
| Total Assets | 1.95B | 1.96B | 1.74B | 1.77B | 1.58B | 1.35B | 1.02B | 866.39M | 770.51M | 703.59M | 613.77M |
| Asset Growth % | 39.6% | 12.87% | -1.8% | 11.84% | 17.3% | 32.84% | 17.35% | 12.44% | 9.51% | 14.63% | - |
| Return on Assets (ROA) | 2.34% | 2.33% | 2.6% | 1.69% | 2.02% | 1.96% | 2.05% | 1% | 3.39% | 3.61% | 2.74% |
| Accounts Payable | 0 | 0 | 0 | 0 | 9.71M | 5.67M | 3.84M | 8.43M | 4.23M | 2.99M | 2.68M |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.6M | 6.4M |
| Net Debt | -246.7M | -244.63M | -240.91M | -198.72M | -114.59M | -198.6M | -170.31M | -147.28M | -159.85M | -124.62M | -97.27M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.6M | 6.4M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1.68B | 1.71B | 11.12M | 9.65M | -1.05M | 0 | 0 | 8.43M | 4.23M | 0 | 0 |
| Total Current Liabilities | 3.91M | 594K | 1.52B | 1.59B | 1.44B | 1.22B | 909.35M | 757.84M | 677.82M | 628.82M | 552.23M |
| Total Non-Current Liabilities | 1.68B | 1.71B | 11.12M | 9.65M | -1.05M | 0 | 0 | 8.43M | 4.23M | 5.6M | 6.4M |
| Total Liabilities | 1.69B | 1.71B | 1.53B | 1.6B | 1.44B | 1.22B | 909.35M | 766.27M | 682.04M | 634.42M | 558.63M |
| Total Equity | 259.82M | 251M | 213.21M | 170.33M | 144.1M | 127.41M | 107.32M | 100.13M | 88.47M | 69.18M | 55.14M |
| Equity Growth % | 74.86% | 17.72% | 25.18% | 18.2% | 13.1% | 18.72% | 7.18% | 13.18% | 27.89% | 25.46% | - |
| Equity / Assets (Capital Ratio) | 13.36% | 12.78% | 12.25% | 9.61% | 9.1% | 9.43% | 10.56% | 11.56% | 11.48% | 9.83% | 8.98% |
| Return on Equity (ROE) | 18.18% | 18.56% | 23.83% | 17.99% | 21.83% | 19.73% | 18.57% | 8.7% | 31.72% | 38.27% | 30.5% |
| Book Value per Share | 27.07 | 26.22 | 22.57 | 18.39 | 15.65 | 14.01 | 11.44 | 9.87 | 10.74 | 6.79 | 5.41 |
| Tangible BV per Share | 25.83 | 24.97 | 21.58 | 17.36 | 14.57 | 12.90 | 11.27 | 9.69 | 10.50 | 6.57 | 5.18 |
| Common Stock | 95K | 95K | 94K | 92K | 91K | 91K | 90K | 101K | 102K | 73K | 72.88K |
| Additional Paid-in Capital | 103.27M | 103.74M | 101.81M | 97.42M | 95.26M | 94.02M | 93.16M | 92.39M | 80.28M | 6.99M | 6.99M |
| Retained Earnings | 159.14M | 149.71M | 116.28M | 78.96M | 58.05M | 33.15M | 14.07M | 7.61M | 8.09M | 62.12M | 48.08M |
| Accumulated OCI | -2.69M | -2.55M | -4.97M | -6.14M | -9.3M | 144K | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Quick answers to the most common questions about buying BSVN stock.
As of 2025, Bank7 Corp. (BSVN) had total assets of $1.96B including $298.7M in current assets.
Bank7 Corp. (BSVN) carries total debt of $0.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Bank7 Corp. (BSVN) has total shareholders' equity (book value) of $251.0M ($26.22 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Bank7 Corp. (BSVN) reported a current ratio of 502.78x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.
Key Metrics
Top Statement Risk
Concentrated Hospitality Credit Exposure
Metrics are mathematically derived from official filings.
Asset Base Expansion Remains Measured
As reported in recent financial statements, Bank7 Corp. has grown its total assets from $1.7B in 2024Q3 to $1.9B in 2026Q1, reflecting a disciplined expansion strategy that prioritizes organic growth within its specialized commercial lending niches over aggressive, balance-sheet-stretching acquisitions or rapid market share capture.
The steady increase in asset size suggests management is successfully deploying capital into its core hospitality and energy verticals while maintaining a controlled risk profile. Investors should monitor whether this growth trajectory remains sustainable without compromising the bank's lean operational efficiency or its ability to maintain high-yield underwriting standards.
Capital Ratios Support Conservative Growth
Based on the provided balance sheet data, the equity-to-assets ratio has remained stable at approximately 0.13 as of 2026Q1, indicating that Bank7 Corp. maintains a sufficient capital buffer to absorb potential volatility inherent in its concentrated commercial real estate and energy-focused loan portfolio.
This capital position appears adequate for the bank's current risk profile, providing a cushion against unexpected credit deterioration in its hospitality-heavy book. The consistent equity growth suggests that internal capital generation is sufficient to support the bank's current asset trajectory without requiring dilutive external financing.
Liquidity Position Remains Highly Robust
According to quarterly filings, Bank7 Corp. held $246.7M in cash and cash equivalents as of 2026Q1, representing a significant liquidity cushion that accounts for roughly 13% of total assets, which provides the bank with substantial flexibility to manage potential deposit outflows or fund new lending opportunities.
Maintaining such a high cash position may act as a drag on net interest margin in a lower-rate environment, yet it serves as a critical defensive mechanism given the bank's sectoral concentration. This liquidity profile suggests a conservative approach to balance sheet management that prioritizes stability over maximizing short-term yield.
Concentration Risk Masks Underlying Volatility
As evidenced by the historical $15.5M provision expense in 2023Q4, Bank7 Corp.'s balance sheet is susceptible to lumpy credit events, which warrants further investigation into the sensitivity of its hospitality-focused loan book to broader macroeconomic shifts in travel demand and interest rate-driven refinancing pressures.
While the current absence of significant provisions suggests stable asset quality, the bank's reliance on a narrow set of industries creates a non-obvious risk of sudden credit stress. Investors should interpret the current lack of NPLs as a reflection of favorable cycle conditions rather than a permanent immunity to sector-specific downturns.