Slide 1: BSVN Q2 2025 Earnings Release
BSVN Q2 2025 Earnings Release July 17, 2025 0
Slide 2: BSVN – Corporate Overview
BSVN – Corporate Overview Earnings Release: Q2 2025 Consistently ranked by S & P Global Market Intelligence as one of the Top Performing Community Banks in the United States Q2 2025 Q1 2025 % Change Total assets $ 1,835,965 $ 1,785,474 2.8% Total loans 1,497,356 1,423,811 5.2% Total deposits 1,594,1
Slide 3: Q2 Overview
Q2 Overview Earnings Release: Q2 2025 Strong Earnings & Profitability Asset Quality & CRE ▪ EPS: $1.16, driven by core earnings (no share ▪ NPLs/Total Loans: 0.37% repurchases) ▪ Diverse CRE portfolio (DFW, OKC & Tulsa Metros) ▪ Office Loan Average Size (excl. construction): $1.03 million ▪ ROAA: 2.
Slide 4: Strength in Core Earnings
Strength in Core Earnings Earnings Release: Q2 2025 PPE(1) Strong PPE was driven by: ■ Organic loan growth $70.0 $60 .4 Disciplined loan pricing $58 .4 $60.0 ■ $50.0 $43 .9 ■ Consistent NIM $40.0 $35 .1 $31 .2 $30.0 7.25% Increase ■ Expense controls $20.0 $14 .7 $13 .7 $10.0 $- 2020 2021 2022 2023 2
Slide 5: Consistently Outperforming our Peer Group
Consistently Outperforming our Peer Group Earnings Release: Q2 2025 PPE to Average Assets vs Peers 4.00% 3.50% 3.00% 3.44% 3.46% 3.50% 3.16% 2.50% 2.99% 2.00% 1.50% 1.00% 1.41% 1.46% 1.17% 1.22% 1.08% 0.50% 0.00% 2021 2022 2023 2024 Q1 2025 Pee rs BSVN Income Statement as a Percentage of Average Ass
Slide 6: Consistent Top Performer
Consistent Top Performer Earnings Release: Q2 2025 Return on Average Tangible Common Equity Return on Average Assets 5 year average: 21.4% 5 year average: 2.1% 30.00% 3.00% 2.65% 25.00% 2.41% 2.47% 23.92% 2.50% 25.00% 2.21% 20.10% 20.72% 2.03% 2.02% 19.14% 20.13% 18.57% 20.00% 2.00% 1.68% 15.00% 1.5
Slide 7: Reliable and Rapid Capital Compounder
Reliable and Rapid Capital Compounder Earnings Release: Q2 2025 Tangible Book Value Per Share (1) Diluted Earnings Per Share CAGR since 2018: 16.8% $25.00 $23 .26 $6.00 $21 .71 $4.84 $5.00 $20.00 $17 .49 $14 .69 $4.00 $15.00 $12 .93 $3.22 $3.05 $11 .69 7.41% Increase $3.00 $2.55 $9.78 $10.00 $8.49 $
Slide 8: BSVN Compared to All Major Exchange Traded Banks
BSVN Compared to All Major Exchange Traded Banks Earnings Release: Q2 2025 BSVN’s TBVPS(1) Since FYE 2018 $25.00 CAGR since 2018: 16.9% $21.71 Public Banks Median CAGR: 5.8%(1) $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 2024Y Total Sh
Slide 9: BSVN Compared to All Major Exchange Traded Banks
BSVN Compared to All Major Exchange Traded Banks Earnings Release: Q2 2025 5-Year Total Shareholder Return (%) BSVN vs. Median MET Banks 500% 450% 400% 350% 339.3% 300% 250% 200% 150% 100% 79.3% 50% 0% (50%) 2020 2021 2022 2023 2024 2025 BSVN MET Banks Source: S&P Global Market Intelligenc e and Fac
Slide 10: Consistent Net Interest Margin
Consistent Net Interest Margin Earnings Release: Q2 2025 ■ Net interest margin remains within our historical range, and is driven by strong loan growth with disciplined loan pricing that is funded by a broad and deep deposit base ■ Real-time net interest margin, excluding loan fee income, at quarter
Slide 11: Well Positioned for a Declining Rate Environment
Well Positioned for a Declining Rate Environment Earnings Release: Q2 2025 Loan Portfolio Interest Rate Sensitivity Gross Loan Variable-Rate Balance $ Cumulative % Cumulative Avg Yield Loans, Fixed Rate Loans $ 373.72 $ 373.72 24.91% 7.17% $1,126.3 Variable-Rate At Floor 20.88 394.60 26.31% 7.24% 75
Slide 12: We Achieve a Steady Spread thru Various Rate Cycles
We Achieve a Steady Spread thru Various Rate Cycles Earnings Release: Q2 2025 9.00% 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 201 6 201 7 201 8 201 9 202 0 202 1 202 2 202 3 202 4 Q2 202 5 Yield on Loans(1 ) Cos t of Funds BSVN Spread 10 Yr Treasury Y ield Fina ncia l da ta ca lculated u
Slide 13: Asset Sensitivity Repricing and Liquidity
Asset Sensitivity Repricing and Liquidity Earnings Release: Q2 2025 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 $ 233,027 $ - $ - $ - $ 233,027 (1) Gross Loans 1,302,488 58,509 5
Slide 14: Deposit Composition
Deposit Composition Earnings Release: Q2 2025 CAGR since 2020: 13.4% $1,591 .4 $1,594 .1 $1,515 .5 $1,431.4 $1,217 .5 $90 5.5 69.7% 69.2% 79.3% 79.7% 69.9% 72.8% 30.1% 30.7% 30.3% 27.2% 20.7% 20.3% 2020 2021 2022 2023 2024 Q2 2025 1 Noninterest-bear ing deposits Inte rest-be aring dep osits Deposit
Slide 15: Loan Portfolio Trends – Selected Categories
Loan Portfolio Trends – Selected Categories Earnings Release: Q2 2025 Loan Portfolio Trends CAGR Since 2020: 13.8% $1,600 $1,500.1 $1,399.0 $1,364.0 $133.3, $1,400 (9.5%) $1,273.6 $190.5, $182.8, (14.0%) (14.4%) $1,200 $116.7, (11.3%) $373.5, $1,031.0 $334.6, (26.7%) $327.6, (24.5%) $1,000 $102.0, (
Slide 16: Loan Portfolio Distribution
Loan Portfolio Distribution Earnings Release: Q2 2025 Consumer $15.3 / 1.0% Agricultural Non-Farmland $23.3 / 1.6% Agricultural Farmland $54.9 / 3.7% Commercial and industrial Hospitality construction $366.6 / 24.4% $1.5 / 0.1% Commercial construction $135.8 / 9.1% 1-4 family construction $53.8 / 3.
Slide 17: Diverse CRE Portfolio with Very Low Historical Losses
Diverse CRE Portfolio with Very Low Historical Losses Earnings Release: Q2 2025 1-4 Family - Commercial $125.6 / 14.4% Multifamily ■ Diverse commercial real estate lending $11.1 / 1.3% activity in Texas and Oklahoma with an Retail emphasis in the DFW, Oklahoma City, and $66.2 / 7.6% Tulsa metros Off
Slide 18: Hospitality Loan Portfolio – A Source of Strength
Hospitality Loan Portfolio – A Source of Strength Earnings Release: Q2 2025 Hotel Portfolio by Class ■ Blue collar portfolio that is well-protected by the Midscale “cycle-down” effect of a recession $180.86 / 65.0% ■ Geographically concentrated in TX (81%) and other markets with favorable economic c
Slide 19: Strategic Growth in Dynamic Markets
Strategic Growth in Dynamic Markets Earnings Release: Q2 2025 Total Assets CAGR Since 2014: 13.6% $2,000.0 $1,836.0 $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 $- 2014 2015 2016 2017 2
Slide 20: Earnings-driven Capital Shock-absorption
Earnings-driven Capital Shock-absorption Earnings Release: Q2 2025 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 2025 Capital Excess Capital to Target Excess Capi
Slide 21: Appendix
Appendix 20
Slide 22: Bank7 Corp. Financials
Bank7 Corp. Financials Earnings Release: Q2 2025 For the Three Months Ended For the Year Ended December 31 Jun 30, 2025 Mar 31, 2025 2024 2023 2022 2021 2020 (Do llars in tho usands, except per share data) INCOME STATEMENT DATA Total interest income $ 31,781 $ 30,438 $ 131,540 $ 121,544 $ 78,749 $ 5
Slide 23: Bank7 Corp. Performance Ratios
Bank7 Corp. Performance Ratios Earnings Release: Q2 2025 For the Three Months Ended For the Year Ended December 31 Jun 30, 2025 Mar 31, 2025 2024 2023 2022 2021 2020 (Do llars in tho usands, except per share data) RETURN ON AVERAGE(1) Assets 2.47% 2.41% 2.65% 1.68% 2.02% 2.21% 2.03% Tangible common
Slide 24: Non-GAAP Reconciliations
Non-GAAP Reconciliations Earnings Release: Q2 2025 For the Three Months Ended For the Year Ended December 31 Jun 30, 2025 Mar 31, 2025 2024 2023 2022 2021 2020 (Do llars in tho usands, except per share data) TANGIBLE SHAREHOLDERS' EQUITY Total shareholders equity $ 231,859 $ 221,660 $ 213,213 $ 170,
Slide 25: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued Earnings Release: Q2 2025 For the Three Months Ended For the Year Ended December 31 Jun 30, 2025 Mar 31, 2025 2024 2023 2022 2021 2020 (Do llars in tho usands, except per share data) PRE-PROVISION PRE-TAX EARNINGS Net Income $ 11,105 $ 10,336 $ 45,698 $ 28,275 $
Slide 26: Oil & Gas Asset Recap
Oil & Gas Asset Recap Earnings Release: Q2 2025 Cash Flow Recap (Do llars in tho usands, except per share data) OIL AND GAS ASSET INVESTMENT Initial cash outlay (in Q4 2023) $ (16,800) Gross cash receipts: Q4 2023 2,195 Q1 2024 2,678 Q2 2024 1,949 Q3 2024 2,085 Q4 2024 1,365 Q1 2025 1,089 Q2 2025 1,
Slide 27: Investment Portfolio
Investment Portfolio Earnings Release: Q2 2025 Available-for-Sale Securities Portfolio Municipal - Tax Exempt $12.15 / 21.3% Municipal - Taxable $7.45 / 13.0% U.S. Treasuries $5.51 / 9.6% Corporate $4.78 / 8.4% ■ Weighted Average Duration: 3.9 Years U.S. Federal Agencies $0.04 / 0.1% ■ Book Yield: 2
Slide 28: Legal Information and Distribution
Legal Information and Distribution Earnings Release: Q2 2025 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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