BANK7
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Data as of · sourced from FFIEC call reports. How we update
BANK7 is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1901 (FDIC certificate 4147), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.91B, up 4.2% from Q2 2025, the 14th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 15.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4147
- Headquarters
- Oklahoma City, OK
- Established
- 1901
- Total assets, Q2 2026
- $1.91B
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 15.18%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 103103778
- Holding company
- BANK7 CORP
- Asset rank in state
- 14th of 169 in Oklahoma
BANK7 earns an unusually wide margin on its lending. It reported $1.9 billion in assets at June 30, 2026, up 4.2% from a year earlier. It keeps 4.81 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 13.88% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Delinquency has appeared in its $456 million non-owner-occupied commercial real estate book: 1.84% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter slipped 25% from a year earlier, to $8.3 million.
As of June 30, 2026, BANK7 reported a CET1 capital ratio of 15.18%, a return on assets of 1.79%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, BANK7 is the 14th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets fell 1.6% to $1.91B, loans rose 0.3% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 33.9% of total loans, followed by non-owner-occupied commercial real estate loans at 28.4%. The FDIC Summary of Deposits lists 12 offices for it, in 12 cities across 3 states; its Oklahoma City office books 44% of its branch deposits. Judged on its Q2 2026 call report, BANK7 meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1039 Nw 63rd St, Oklahoma City, OK 73116
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 6, 1901
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 129
- Domestic deposits
- $1.64B
- Allowance for credit losses
- $19.5M
- Net charge-offs (YTD)
- -$105K
- Average total assets
- $1.86B
- Average total loans
- $1.59B
- Average interest-bearing deposits
- $1.27B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4147
- Fed RSSD
- 18854
- SEC CIK
- 1746129 → filed by BANK7 CORP
- Website
- www.bank7.com →
- Parent Holding Company
- BANK7 CORP (RSSD 3256134) · BSVN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Thomas L Travis | CEO | President & CEO |
| Andrew J Levinson | PRES | Regional President - Tulsa |
| Kelly J Harris | CFO | EVP; CFO |
| John T Phillips | COO | Sr. EVP; COO; and Secretary |
| Jason E Estes | CCO | Exec. Vice President; CCO |
| Henry Litchfield | GC | VP; General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
BANK7's total assets moved between a low of $1.68B (Q2 2024) and a high of $1.96B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.91B total assets against $1.84B; $1.65B total liabilities against $1.60B.
$1.58B net loans and leases against $1.48B; $1.64B total deposits against $1.59B.
$51.6M securities against $57.2M; $222.1M cash and balances due against $233.0M.
$30.9M total interest income against $31.8M; $9.0M total interest expense against $10.0M.
$21.9M net interest income against $21.7M.
$1.0M total noninterest income against $2.7M; $11.9M total noninterest expense against $9.7M.
$0 provision for credit losses against $0.
$8.3M net income against $11.1M.
1.79% return on assets against 2.47%; 4.81% net interest margin against 4.95%.
15.18% CET1 capital ratio against 13.90%; 13.88% tier 1 leverage ratio against 12.49%.
Inside the full BANK7 terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BANK7 rankings
Its closest position to the top of a national ranking is 617 of 4,196, for total assets; its furthest is 736 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.79% (Q2 2026) to 2.74% (Q3 2024) and its net interest margin ran from 4.81% (Q4 2025) to 5.21% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.18% | 1.79% | 0.39% | 2.47% | 4.81% |
| Q1 2026 | 14.79% | 2.52% | 0.58% | 3.64% | 5.21% |
| Q4 2025 | 14.09% | 2.28% | 0.40% | 2.68% | 4.81% |
| Q3 2025 | 14.23% | 2.35% | 0.35% | 2.32% | 5.12% |
| Q2 2025 | 13.90% | 2.47% | 0.36% | 2.49% | 4.95% |
| Q1 2025 | 14.03% | 2.38% | 0.41% | 2.77% | 4.91% |
| Q4 2024 | 13.99% | 2.58% | 0.51% | 3.38% | 5.16% |
| Q3 2024 | 12.93% | 2.74% | 0.54% | 3.79% | 5.05% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank 7 | Oklahoma City , OK | 73116 | $715.3M |
| Tulsa Branch | Tulsa , OK | 74136 | $213.7M |
| Watonga Branch | Watonga , OK | 73772 | $160.7M |
| Woodward Westside Branch | Woodward , OK | 73801 | $155.4M |
| Montezuma Branch | Montezuma , KS | 67867 | $94.1M |
| Mustang Branch | Mustang , OK | 73064 | $80.9M |
| Frisco Branch | Frisco , TX | 75034 | $55.6M |
| Irving Branch | Irving , TX | 75039 | $53.2M |
| Medford Branch | Medford , OK | 73759 | $43.1M |
| Camargo Bank7 Branch | Camargo , OK | 73835 | $33.4M |
| Geary Branch | Geary , OK | 73040 | $32.4M |
| Copeland Branch | Copeland , KS | 67837 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 10, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 10, 2021 | Structure Change | Acquired Cornerstone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2014 | Structure Change | Acquired The Montezuma State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 2011 | Structure Change | Acquired The First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 28, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in OK, rank 15 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 120 applications, 113 loans originated, $48.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.9M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about BANK7
What are BANK7's total assets?
As of the Q2 2026 filing, BANK7 reported total assets of $1.91 billion in its FFIEC call report.
Where is BANK7 headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was BANK7 founded?
It was established in 1901, per the FDIC institution directory.
Is BANK7 FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BANK7?
BANK7's primary federal regulator is the Federal Reserve.
What is BANK7's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BANK7 operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BANK7's Texas Ratio?
Its Texas Ratio is 2.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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