Slide 1: Q4 and Full Year 2025 Earnings Release
Q4 and Full Year 2025 Earnings Release BSVN January 15, 2026
Slide 2: BSVN – Corporate Overview
BSVN – Corporate Overview Consistently ranked by S & P Global Market Intelligence as one of the Top Performing Community Banks in the United States Consistently produce top tier earnings and ROATCE (3) Proven ability to maintain a healthy net interest margin through various interest rate cycles Abun
Slide 3: Q4 and Full Year Overview
Q4 and Full Year Overview Asset Quality & CRE Dollars in thousands except per share data. All data as of December 31, 2025, unless indicated otherwise A non-GAAP measurement that excludes oil and gas non-interest expense of $4,299 and oil and gas revenues of $4,926 See slide 12 for adjusted uninsure
Slide 4: Strength in Core Earnings (PPE)
Maximizing Our Employee Base PPE(1) Strength in Core Earnings Dollars are in millions Financial data is as of or for the twelve months ended December 31 of each respective year Pre-provision, pre-tax earnings (“PPE”) is a non-GAAP financial measure. See appendix for reconciliation to their most comp
Slide 5: Consistent Top Performer
Return on Average Tangible Common Equity 5 year average: 21.4% Efficiency Ratio 5 year average: 38.1% Return on Average Assets 5 year average: 2.2% Consistent Top Performer Financial data is as of or for the twelve months ended December 31 of each respective year Performance ratios remain top-tier a
Slide 6: Reliable and Rapid Capital Compounder
Diluted Earnings Per Share Tangible Book Value Per Share(1) CAGR since 2018: 16.8% EPS: No share repurchases since 2020 Reliable and Rapid Capital Compounder Dollars and shares in thousands, except per share data Tangible book value per share is a non-GAAP financial measure, and is calculated by div
Slide 7: Consistently Outperforming our Peer Group
Consistently Outperforming our Peer Group Income Statement as a Percentage of Average Assets PPE to Average Assets vs Peers Peer group is defined as exchange-traded banks nationwide with assets between $500mm-$5bn (128 banks); Source: S&P Global Market Intelligence As of Q3 2025, the latest data ava
Slide 8: BSVN Compared to All Major Exchange Traded Banks
CAGR since 2018: 16.9% BSVN Compared to All Major Exchange Traded Banks Source: S&P Global Market Intelligence and FactSet; Market data as of 12/31/2025 Total shareholder return includes the reinvestment of dividends Tangible book value per share is a non-GAAP financial measures. See appendix for re
Slide 9: BSVN Compared to All Major Exchange Traded Banks: 5-Year TSR
BSVN Compared to All Major Exchange Traded Banks Source: S&P Global Market Intelligence and FactSet; Market data as of 12/31/2025 Total shareholder return includes the reinvestment of dividends Public banks include all major exchange-traded banks nationwide (294 banks) 5-Year Total Shareholder Retur
Slide 10: Consistent Net Interest Margin
Consistent Net Interest Margin Financial data is as of or for the twelve months ended December 31 of each respective year and as of or for the three months ended September 30, 2025 and December 31, 2025 Net interest margin (excluding loan fee income) is a non-GAAP financial measure, see Appendix for
Slide 11: Well Positioned for a Declining Rate Environment
Well Positioned for a Declining Rate Environment Dollars in millions unless indicated otherwise. All data as of December 31, 2025
Slide 12: We Achieve a Steady Spread thru Various Rate Cycles
We Achieve a Steady Spread thru Various Rate Cycles Financial data calculated using annual averages Excluding loan fee income
Slide 13: Asset Sensitivity Repricing and Liquidity
Asset Sensitivity Repricing and Liquidity Dollars in thousands, all data as of December 31, 2025, unless indicated otherwise $1.00 billion of gross loans reprice daily Asset Sensitivity Repricing Schedule (1) Uninsured deposits total $391.73 million (23.03% of total). Adjusted for insider and collat
Slide 14: Deposit Composition
Deposit Composition Deposit Composition CAGR since 2021: 8.7% Dollars in millions, all data as of December 31, 2025, unless indicated otherwise
Slide 15: Loan Portfolio Trends
Loan Portfolio Trends Loan Portfolio Trends – Selected Categories Dollars in millions No single loan category within 'Other' exceeds 10% of the total loan portfolio CAGR Since 2021: 11.8% (1)
Slide 16: Loan Portfolio Distribution
Loan Portfolio Distribution Dollars are in millions. Data as of December 31, 2025 Loan Portfolio Selected Categories
Slide 17: Diverse CRE Portfolio with Very Low Historical Losses
Diverse CRE Portfolio with Very Low Historical Losses Dollars are in millions. Data as of December 31, 2025 Diverse commercial real estate lending activity in Texas and Oklahoma with an emphasis in the DFW, Oklahoma City, and Tulsa metros Minimal office loans No office exposure to downtown metropoli
Slide 18: Hospitality Loan Portfolio – A Source of Strength
Hotel Portfolio by Class Hotel Portfolio by Location Hospitality Loan Portfolio – A Source of Strength Dollars are in millions. Data as of December 31, 2025 Blue collar portfolio that is well-protected by the “cycle-down” effect of a recession Geographically concentrated in TX (79%) and other market
Slide 19: Strategic Growth in Dynamic Markets
Total Assets Strategic Growth in Dynamic Markets Dollars are in millions 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LPO opened in Tulsa, OK, full-service branch opened in Frisco, TX Oklahoma acquisition Full-service branch opened in Tulsa, OK Completed IPO Full-service branch opened
Slide 20: Earnings-driven Capital Shock-absorption
Earnings-driven Capital Shock-absorption Earnings-driven cushion far exceeds regulatory capital minimums as illustrated over a two-year period, consistent with DFAST parameters(1) Dollars are in thousands above assumes no cash dividends and is simply an illustration and should not be considered a pr
Slide 21: Appendix
Appendix
Slide 22: Bank7 Corp. Financials
Bank7 Corp. Financials BSVN adopted the CECL model (ASC326) on 1/1/2023 using the modified retrospective method. The presented allowance for periods prior to 1/1/2023 is under the incurred loss model (pre-ASC326) Represents a non-GAAP financial measure. See non-GAAP reconciliations table for reconci
Slide 23: Bank7 Corp. Performance Ratios
Bank7 Corp. Performance Ratios Annualized Efficiency ratio is calculated by dividing noninterest expense by the sum of net interest income on a tax equivalent basis and noninterest income Represents a non-GAAP financial measure, see non-GAAP reconciliations table for reconciliation to the most compa
Slide 24: Non-GAAP Reconciliations
Non-GAAP Reconciliations Forthe Tiree Marthe Ended Forthe Year Ended December34 Dec3t.2025 _ Sep30,2025 ne 228 ne Ea Ed FTANGELE SHAREHOLDERS’ EQUITY a TT SS eereeeeeae ia ust) eames est) ga) [AVERAGE TANGIBLE COMM ee Za saad oe a —— a a a 23
Slide 25: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued
Slide 26: Oil & Gas Asset Recap
Oil & Gas Asset Recap Cash Flow Recap GAAP Results Dollars in thousands Includes depletion expense of $472 (1)
Slide 27: Available-for-Sale Securities Portfolio
Available-for-Sale Securities Portfolio Investment Portfolio Dollars are in millions. All mortgage-backed securities and collateralized mortgage obligations are issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored entities. Total investment securities of $54.0 million as
Slide 28: Legal Information and Distribution
Legal Information and Distribution 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 timing of future changes
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