Bank 7
Oklahoma City, Oklahoma, Oklahoma County
$1.9B in total assets, the 640th largest of 4,309 US banks and 14th of 171 headquartered in Oklahoma.
- FDIC certificate
- 4147
- Established
- 1901
- Owned by
- Bank7 Corp
- Primary regulator
- FED
- Website
- www.bank7.com
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.9B | 55% | $1.6B | |
| Loans | $1.6B | 65% | $1.2B | |
| Deposits | $1.6B | 60% | $1.2B | |
| Return on assets | 2.20% | 80% | 1.38% | |
| Net interest margin | 5.00% | 90% | 3.91% | |
| Efficiency ratio | 45.3% | 15% | 60.6% | |
| Equity to assets | 13.86% | 95% | 10.13% | |
| Loans to deposits | 98% | 75% | 94% |
Growth
Total assets grew 11.1% a year over the last 5 years and 12.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2021 | Cornerstone Bank Watonga, OK | $254M |
| Mar 2014 | The Montezuma State Bank Montezuma, KS | $97M |
| Jan 2011 | The First State Bank Camargo, OK | $45M |
Where they operate
12 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Oklahoma County, OK | $715M | 1.5% | 9 of 60 |
| Tulsa County, OK | $214M | 0.6% | 27 of 52 |
| Blaine County, OK | $193M | 41.3% | 1 of 6 |
| Woodward County, OK | $155M | 16.0% | 3 of 8 |
| Gray County, KS | $94M | 34.9% | 2 of 3 |
| Canadian County, OK | $81M | 2.7% | 10 of 18 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (8 to 12, +50.0%). 3 opened, 3 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2017 | Opened Irving | 1 | 0 | +1 | 9 |
| 2019 | Opened FriscoClosed Woodward | 1 | 1 | 0 | 9 |
| 2020 | Opened Tulsa | 1 | 0 | +1 | 10 |
| 2021 | Acquired Cornerstone BankClosed Addison | 3 | 1 | +2 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 37% | 36% | |
| Business (C&I) | 34% | 16% | |
| Construction and land | 15% | 12% | |
| 1-4 family residential | 9% | 19% | |
| Farmland | 3% | 3% | |
| Agricultural | 2% | 2% | |
| Multifamily | 0% | 3% | |
| Consumer | 0% | 5% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 61% | 50% | |
| Noninterest-bearing | 20% | 26% | |
| Time deposits | 19% | 24% |
Brokered deposits are 23.0% of deposits (peers 6.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.39% | 0.65% |
| Net charge-offs, annualized | -0.01% | 0.03% |
| Reserves to loans | 1.22% | 1.18% |
| Leverage ratio | 13.88% | 10.30% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Oklahoma County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-7-oklahoma-city-ok