Slide 1: Q2 2026 Earnings Release
Q2 2026 Earnings Release July 16, 2026 0
Slide 2: BSVN – Corporate Overview
BSVN – Corporate Overview Earnings Release: Q2 2026 Consistently ranked by S & P Global Market Intelligence as one of the Top Performing Community Banks in the United States Q2 2026 Q2 2025 % Change Total assets $ 1,914,327 $ 1,836,346 4.2% Total loans 1,597,350 1,497,356 6.7% Total deposits 1,637,8
Slide 3: Q2 Overview
Q2 Overview Earnings Release: Q2 2026 Performance Excellent Asset Quality EPS: $0.87; core EPS of $1.06(1) Tenured team of commercial bankers in dynamic markets PPE: $11.02 million; core PPE of $13.46 million(1) NCO: -2bps (Net recoveries of $0.06 million) ROAA: 1.80%; core ROAA of 2.20%(1
Slide 4: Strength in Core Earnings
Strength in Core Earnings Earnings Release: Q2 2026 PPE(1) PPE was driven by: $70.0 $60.4 ■ Disciplined loan pricing $58.4 $57.5 $60.0 $50.0 ■ Consistent NIM $43.9 $40.0 $35.1 ■ Expense controls $30.0 $20.0 $14.7 Core(2) $13.5 $10.0 $11.0 $- 2021 2022 2023 2024 2025 Q2 2025 Q2 2026 We achieve maximu
Slide 5: Consistent Top Performer
Consistent Top Performer Earnings Release: Q2 2026 Return on Average Tangible Common Equity Return on Average Assets 5 year average: 21.4% 5 year average: 2.2% 30.00% 3.00% 2.65% 25.00% 2.47% 25.00% 23.92% 2.50% 2.37% 2.21% Core (1) 20.13% 20.72% 2.02% 2.20% 18.57% 19.47% 20.00% Core(1) 2.00% 16.45%
Slide 6: Reliable and Rapid Capital Compounder
Reliable and Rapid Capital Compounder Earnings Release: Q2 2026 Tangible Book Value Per Share(1) Diluted Earnings Per Share CAGR since 2018: 16.5% $30.00 $6.00 $26.73 $25.26 $4.84 $25.00 $21.71 $5.00 $4.50 $20.00 $17.49 $4.00 $3.22 $3.05 $14.69 $15.00 $12.93 $3.00 $2.55 $11.69 $9.78 $2.05 $10.00 $8.
Slide 7: Consistently Outperforming our Peer Group
Consistently Outperforming our Peer Group Earnings Release: Q2 2026 PPE to Average Assets vs Peers 4.00% 3.50% 3.00% 3.46% 3.50% 3.37% 3.16% 2.50% 2.99% 2.00% 1.50% 1.00% 1.47% 1.36% 1.45% 1.19% 1.09% 0.50% 0.00% 2022 2023 2024 2025 Q1 2026 Peers BSVN Income Statement as a Percentage of Average Asse
Slide 8: BSVN Compared to All Major Exchange Traded Banks
BSVN Compared to All Major Exchange Traded Banks Earnings Release: Q2 2026 BSVN’s TBVPS(1) Since FYE 2018 $30.00 CAGR since 2018: 16.8% $25.26 $25.00 Public Banks Median CAGR: 6.7%(1) $21.71 $20.00 $17.49 $14.69 $15.00 $12.93 $11.69 $9.78 $10.00 $8.49 $5.00 $0.00 2018Y 2019Y 2020Y 2021Y 2022Y 2023Y
Slide 9: Consistent Net Interest Margin
Consistent Net Interest Margin Earnings Release: Q2 2026 ■ Net interest margin remains within our historical range, and is driven by disciplined loan pricing that is funded by a broad and deep funding base 5.12% 5.11% 4.97% 4.94% 4.96% 4.82% 0.35% 4.81% 0.74% 0.37% 0.34% 0.35% 0.44% 0.28% 4.60% 4.75
Slide 10: We Achieve a Steady Spread thru Various Rate Cycles
We Achieve a Steady Spread thru Various Rate Cycles Earnings Release: Q2 2026 9.00% 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 Yield on Loans(1) Cost of Funds BSVN Spread 10 Yr Treasury Yield Financial data calculated using annual
Slide 11: Asset Sensitivity Repricing and Liquidity
Asset Sensitivity Repricing and Liquidity Earnings Release: Q2 2026 Asset Sensitivity Repricing Schedule < 1 year 1 to 2 years 2 to 3 years > 3 years Total Earning Assets: Cash and cash equivalents, and interest-bearing time deposits $ 222,079 $ - $ - $ - $ 222,079 (1) Gross Loans 1,481,721 48,984 2
Slide 12: Deposit Composition
Deposit Composition Earnings Release: Q2 2026 CAGR since 2021: 6.8% $1,700.8 $1,591.4 $1,637.8 $1,515.5 $1,431.4 $1,217.5 69.7% 79.9% 79.9% 69.2% 79.3% 69.9% 30.1% 30.7% 30.3% 20.7% 20.1% 20.1% 2021 2022 2023 2024 2025 Q2 2026 Noninterest-bearing deposits Interest-bearing deposits Deposit Compositio
Slide 13: Loan Portfolio Trends – Selected Categories
Loan Portfolio Trends – Selected Categories Earnings Release: Q2 2026 Loan Portfolio Trends CAGR Since 2021: 10.3% $1,700 $1,609.4 $1,600.1 $156.7 $130.2 $1,500 $1,399.0 (9.7%) (8.1%) $1,364.0 $1,273.6 $133.3 $1,300 $190.5 (9.5%) $413.1 $410.7 (14.0%) (25.5%) (25.8%) $182.8 (14.4%) $1,100 $1,031.0 $
Slide 14: Loan Portfolio Distribution
Loan Portfolio Distribution Earnings Release: Q2 2026 Consumer $13.5 / 0.8% Agricultural Non-Farmland $32.3 / 2.0% Agricultural Farmland $41.7 / 2.6% Commercial and industrial Hospitality construction $413.1 / 25.8% $- / 0.0% Commercial construction $168.0 / 10.5% 1-4 family construction $66.0 / 4.1
Slide 15: Diverse CRE Portfolio with Very Low Historical Losses
Diverse CRE Portfolio with Very Low Historical Losses Earnings Release: Q2 2026 1-4 Family - Commercial Multifamily $136.5 / 14.1% $8.7 / 0.9% Retail $71.6 / 7.4% Office ■ Diverse commercial real estate lending $51.4 / 5.3% activity in Texas and Oklahoma with an Restaurant emphasis in the DFW, Oklah
Slide 16: Hospitality Loan Portfolio – A Source of Strength
Hospitality Loan Portfolio – A Source of Strength Earnings Release: Q2 2026 Hotel Portfolio by Class ■ Blue collar portfolio that is well-protected by the Midscale “cycle-down” effect of a recession $192.04 / 66.0% ■ Geographically concentrated in TX (76%) and other markets with favorable economic c
Slide 17: Strategic Growth in Dynamic Markets
Strategic Growth in Dynamic Markets Earnings Release: Q2 2026 Total Assets CAGR Since 2014: 12.8% $1,963.6 $2,000.0 $1,914.3 $1,771.7 $1,739.8 $1,800.0 $1,584.2 $1,600.0 $1,400.0 $1,350.5 $1,200.0 $1,016.7 $1,000.0 $866.4 $770.5 $800.0 $703.6 $613.8 $563.5 $600.0 $479.5 $400.0 $200.0 $- Q2 2014 2015
Slide 18: Earnings-driven Capital Shock-absorption
Earnings-driven Capital Shock-absorption Earnings Release: Q2 2026 Earnings-driven cushion far exceeds regulatory capital minimums as illustrated over a two-year period, consistent with DFAST parameters(1) Total Shock Absorption Regulatory Minimum Q2 2026 Capital Excess Capital to Target Excess Capi
Slide 19: Appendix
Appendix 18
Slide 20: Bank7 Corp. Financials
Bank7 Corp. Financials Earnings Release: Q2 2026 For the Three Months Ended For the Year Ended December 31 Jun 30, 2026 Jun 30, 2025 2025 2024 2023 2022 2021 (Do llars in tho usands, except per share data) INCOME STATEMENT DATA Total interest income $ 30,927 $ 31,781 $ 128,758 $ 131,540 $ 121,544 $
Slide 21: Bank7 Corp. Performance Ratios
Bank7 Corp. Performance Ratios Earnings Release: Q2 2026 For the Three Months Ended For the Year Ended December 31 Jun 30, 2026 Jun 30, 2025 2025 2024 2023 2022 2021 (Do llars in tho usands, except per share data) RETURN ON AVERAGE(1) Assets 1.80% 2.47% 2.37% 2.65% 1.68% 2.02% 2.21% Tangible common
Slide 22: Non-GAAP Reconciliations
Non-GAAP Reconciliations Earnings Release: Q2 2026 For the Three Months Ended For the Year Ended December 31 Jun 30, 2026 Jun 30, 2025 2025 2024 2023 2022 2021 (Do llars in thousands, except per share data) TANGIBLE SHAREHOLDERS' EQUITY Total shareholders equity $ 266,306 $ 231,859 $ 250,995 $ 213,2
Slide 23: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued Earnings Release: Q2 2026 For the Three Months Ended For the Year Ended December 31 Jun 30, 2026 Jun 30, 2025 2025 2024 2023 2022 2021 (Do llars in thousands, except per share data) PRE-PROVISION PRE-TAX EARNINGS Net Income $ 8,346 $ 11,105 $ 43,069 $ 45,698 $ 2
Slide 24: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued Earnings Release: Q2 2026 For the Three Months Ended For the Year Ended December 31 Jun 30, 2026 Jun 30, 2025 2025 2024 2023 2022 2021 (Do llars in thousands, except per share data) ADJUSTED CORE Net Income $ 8,346 $ 11,105 $ 43,069 $ 45,698 $ 28,275 $ 29,638 $
Slide 25: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued Earnings Release: Q2 2026 Life-to-Date Reconciliation for Oil and Gas Assets (dollars in thousands) Q2 2026 GAAP Income before taxes $ 5,783 Add back non-cash expenses: Depletion 9,134 Amortization & accretion 81 Net cash flow from operations (Non-GAAP) $ 14,998
Slide 26: Successful Sale of Oil & Gas Assets
Successful Sale of Oil & Gas Assets Earnings Release: Q2 2026 Objective Achieved: Successfully maximized our loan loss recovery related to an energy loan previously charged off in 2023 Total cash recovery of $20.2 million exceeded our total cash outlay by $3.7 million Life-to-Date Loan Loss Reco
Slide 27: Investment Portfolio
Investment Portfolio Earnings Release: Q2 2026 Available-for-Sale Securities Portfolio Municipal - Tax Exempt $11.03 / 21.4% Municipal - Taxable $5.71 / 11.1% U.S. Treasuries $5.58 / 10.8% Corporate $5.23 / 10.1% ■ Weighted Average Duration: 3.4 Years ■ Book Yield: 2.39% U.S. Federal Agencies $- / 0
Slide 28: Legal Information and Distribution
Legal Information and Distribution Earnings Release: Q2 2026 This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements. These forward-looking statements are subject to significant uncertainties because they are based upon: the amount and
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