Slide 1: Q3 2026 Earnings Release
Q3 2026 Earnings Release BSVN October 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: Q3 Overview
Q3 Overview Excellent Asset Quality Solid loan growth from our healthy pipeline, despite significant payoffs EPS: $1.06; core EPS of $1.11 (1) PPE: $13.62 million; core PPE of $14.31 million(1) ROAA: 2.13%; core ROAA of 2.24%(1) ROATCE: 15.60%; core ROATCE of 16.50%(1) NIM (excluding loan fee income
Slide 4: Maximizing Our Employee Base: PPE Strength in Core Earnings
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 and as of or for the three months ended June 30, 2026 and September 30, 2026 Pre-provision, pre-tax earnings (“PPE”) is a n
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 Dollars in thousands Financial data is as of or for the twelve months ended December 31 of each respective year and as of or fo
Slide 6: Reliable and Rapid Capital Compounder
Diluted Earnings Per Share Tangible Book Value Per Share(1) CAGR since 2018: 16.4% 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 (121 banks); Source: S&P Global Market Intelligence As of Q2 2026, the latest data ava
Slide 8: BSVN Compared to All Major Exchange Traded Banks
A CAGR since 2018: 16.8% BSVN Compared to All Major Exchange Traded Banks Source: S&P Global Market Intelligence and FactSet; Market data as of 9/30/2026 Total shareholder return includes the reinvestment of dividends Tangible book value per share is a non-GAAP financial measure. See appendix for re
Slide 9: 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 June 30, 2026 and September 30, 2026 Net interest margin (excluding loan fee income) is a non-GAAP financial measure, see Appendix for rec
Slide 10: 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 11: Asset Sensitivity Repricing and Liquidity
Asset Sensitivity Repricing and Liquidity Dollars in thousands, all data as of September 30, 2026, unless indicated otherwise $1.22 billion of gross loans reprice daily Asset Sensitivity Repricing Schedule (1) Uninsured deposits total $385.61 million (22.41% of total). Adjusted for insider and colla
Slide 12: Deposit Composition
Deposit Composition Deposit Composition CAGR since 2021: 7.6% Dollars in millions, all data as of September 30, 2026, unless indicated otherwise
Slide 13: 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: 10.2% (1)
Slide 14: Loan Portfolio Distribution
Loan Portfolio Distribution Dollars are in millions. Data as of September 30, 2026 Loan Portfolio Selected Categories
Slide 15: Diverse CRE Portfolio with Very Low Historical Losses
Diverse CRE Portfolio with Very Low Historical Losses Dollars are in millions. Data as of September 30, 2026 Diverse commercial real estate lending activity in Texas and Oklahoma with an emphasis in the DFW, Oklahoma City, and Tulsa metros No office exposure to downtown metropolitan locations Constr
Slide 16: 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 September 30, 2026 Blue collar portfolio that is well-protected by the “cycle-down” effect of a recession Geographically concentrated in TX (68%) and other marke
Slide 17: Total Assets: 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 Q3 2026 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 branc
Slide 18: 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 19: Appendix
Appendix
Slide 20: 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 21: 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 22: Non-GAAP Reconciliations
Non-GAAP Reconciliations Forth Tree Months Ended Forthe Year Ended December 31 ‘Sep30,2028 __Jun30,2026 25 2028 ne ED Ed [TANGIELE SHAREHOLDERS EQUITY ae T_T Seer peer inass tier eee mer pea eer eeeeers TIT Sento ae Loan fe income 1789) (1250) e308) e599 2098) e273) 787) Soo eesti eee eC a me oo a e
Slide 23: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued
Slide 24: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued
Slide 25: 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 $47.5 million as
Slide 26: Legal Information and Distribution
Legal Information and Distribution This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements, including expectations regarding combined deposits and assets following the acquisition of Century Financial Services Corporation (“Century”) a
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