Bank7 Corp. · NASDAQ:BSVN
Bank7 — Q4 2025 Earnings Presentation
29 slides from Bank7's earnings presentation, Jan 15, 2026
Slide 1: Q4 and Full Year 2025 Earnings Release
Q4 and Full Year 2025 Earnings Release January 15, 2026 0
Slide 2: BSVN – Corporate Overview
BSVN – Corporate Overview Earnings Release: Q4 2025 and Full Year Consistently ranked by S & P Global Market Intelligence as one of the Top Performing Community Banks in the United States Full Year Q4 2025 Q3 2025 % Change 2025 2024 % Change Total assets $ 1,963,640 $ 1,891,435 3.8% $ 1,963,640 $ 1,
Slide 3: Q4 and Full Year Overview
Q4 and Full Year Overview Earnings Release: Q4 2025 and Full Year Strong Earnings & Profitability Asset Quality & CRE EPS: NCO: Full year of -5bps (Net recoveries of $0.80 million) Q4 - $1.12; full year - $4.50; driven by core earnings (no share NPAs/Total Loans: 40bps repurchases) Diverse
Slide 4: Strength in Core Earnings
Strength in Core Earnings Earnings Release: Q4 2025 and Full Year PPE(1) Strong PPE was driven by: ■ Organic loan growth $70.0 $60.4 $60.0 $58.4 $57.5 ■ Disciplined loan pricing $50.0 $43.9 ■ Consistent NIM $40.0 $35.1 $30.0 ■ Expense controls $20.0 $10.0 $- 2021 2022 2023 2024 2025 We achieve maxim
Slide 5: Consistent Top Performer
Consistent Top Performer Earnings Release: Q4 2025 and Full Year 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% 25.00% 23.92% 2.50% 2.37% 2.21% 20.13% 19.47% 2.02% 20.00% 18.57% 2.00% 1.68% 15.00% 1.50% 10.00% 8.
Slide 6: Reliable and Rapid Capital Compounder
Reliable and Rapid Capital Compounder Earnings Release: Q4 2025 and Full Year Tangible Book Value Per Share(1) Diluted Earnings Per Share CAGR since 2018: 16.8% $30.00 $6.00 $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 $10.00 $8
Slide 7: Consistently Outperforming our Peer Group
Consistently Outperforming our Peer Group Earnings Release: Q4 2025 and Full Year PPE to Average Assets vs Peers 4.00% 3.50% 3.00% 3.44% 3.46% 3.50% 3.21% 2.50% 2.99% 2.00% 1.50% 1.00% 1.43% 1.48% 1.48% 1.21% 1.08% 0.50% 0.00% 2021 2022 2023 2024 Q3 2025 Peers BSVN Income Statement as a Percentage o
Slide 8: BSVN Compared to All Major Exchange Traded Banks
BSVN Compared to All Major Exchange Traded Banks Earnings Release: Q4 2025 and Full Year 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
Slide 9: BSVN Compared to All Major Exchange Traded Banks
BSVN Compared to All Major Exchange Traded Banks Earnings Release: Q4 2025 and Full Year 5-Year Total Shareholder Return (%) BSVN vs. Median MET Banks 300% 275% 250% 225% 227.0% 200% 175% 150% 125% 100% 75% 60.6% 50% 25% 0% (25%) 2020 2021 2022 2023 2024 2025 BSVN Public Banks Median Source: S&P Glo
Slide 10: Consistent Net Interest Margin
Consistent Net Interest Margin Earnings Release: Q4 2025 and Full Year ■ 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 funding base ■ Q4 rate cuts modestly compressed NIM, loan yields decl
Slide 11: Well Positioned for a Declining Rate Environment
Well Positioned for a Declining Rate Environment Earnings Release: Q4 2025 and Full Year Loan Portfolio Interest Rate Sensitivity Variable-Rate Gross Loan Average Balance $ Cumulative % Cumulative Yield Loans, Fixed Rate Loans $ 316 $ 316 19.64% 7.14% $1,293.0 Variable-Rate At Floor 324 640 39.78% 6
Slide 12: We Achieve a Steady Spread thru Various Rate Cycles
We Achieve a Steady Spread thru Various Rate Cycles Earnings Release: Q4 2025 and Full Year 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 Yield on Loans(1) Cost of Funds BSVN Spread 10 Yr Treasury Yield Financial data calculated using a
Slide 13: Asset Sensitivity Repricing and Liquidity
Asset Sensitivity Repricing and Liquidity Earnings Release: Q4 2025 and Full Year 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 $ 255,092 $ - $ - $ - $ 255,092 (1) Gross Loans 1,45
Slide 14: Deposit Composition
Deposit Composition Earnings Release: Q4 2025 and Full Year CAGR since 2021: 8.7% $1,700.8 $1,591.4 $1,515.5 $1,431.4 $1,217.5 69.7% 79.9% 69.2% 79.3% 69.9% 30.1% 30.7% 30.3% 20.7% 20.1% 2021 2022 2023 2024 2025 Noninterest-bearing deposits Interest-bearing deposits Deposit Composition Money Markets
Slide 15: Loan Portfolio Trends – Selected Categories
Loan Portfolio Trends – Selected Categories Earnings Release: Q4 2025 and Full Year Loan Portfolio Trends CAGR Since 2021: 11.8% $1,700 $1,609.4 $190.5 $1,500 $1,399.0 (14.0%) $1,364.0 $1,273.6 $182.8 $1,300 $116.7 (14.4%) $334.6 (11.3%) (24.5%) $102.0 (12.2%) $1,100 $1,031.0 $327.6 $245.1 (25.7%) $
Slide 16: Loan Portfolio Distribution
Loan Portfolio Distribution Earnings Release: Q4 2025 and Full Year Consumer $13.8 / 0.9% Agricultural Non-Farmland $37.3 / 2.3% Agricultural Farmland $53.6 / 3.3% Commercial and industrial Hospitality construction $410.7 / 25.5% $1.9 / 0.1% Commercial construction $158.6 / 9.9% 1-4 family construct
Slide 17: Diverse CRE Portfolio with Very Low Historical Losses
Diverse CRE Portfolio with Very Low Historical Losses Earnings Release: Q4 2025 and Full Year 1-4 Family - Commercial $126.1 / 13.5% Multifamily $26.4 / 2.8% ■ Diverse commercial real estate lending activity in Texas and Oklahoma with an Retail $48.8 / 5.2% emphasis in the DFW, Oklahoma City, and Tu
Slide 18: Hospitality Loan Portfolio – A Source of Strength
Hospitality Loan Portfolio – A Source of Strength Earnings Release: Q4 2025 and Full Year Hotel Portfolio by Class ■ Blue collar portfolio that is well-protected by the Midscale “cycle-down” effect of a recession $203.82 / 65.6% ■ Geographically concentrated in TX (79%) and other markets with favora
Slide 19: Strategic Growth in Dynamic Markets
Strategic Growth in Dynamic Markets Earnings Release: Q4 2025 and Full Year Total Assets CAGR Since 2014: 13.7% $1,963.6 $2,000.0 $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 20
Slide 20: Earnings-driven Capital Shock-absorption
Earnings-driven Capital Shock-absorption Earnings Release: Q4 2025 and Full Year 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 Q4 2025 Capital Excess Capital to Targ
Slide 21: Appendix
Appendix 20
Slide 22: Bank7 Corp. Financials
Bank7 Corp. Financials Earnings Release: Q4 2025 and Full Year For the Three Months Ended For the Year Ended December 31 Dec 31, 2025 Sep 30, 2025 2025 2024 2023 2022 2021 (Do llars in tho usands, except per share data) INCOME STATEMENT DATA Total interest income $ 32,816 $ 33,717 $ 128,758 $ 131,54
Slide 23: Bank7 Corp. Performance Ratios
Bank7 Corp. Performance Ratios Earnings Release: Q4 2025 and Full Year For the Three Months Ended For the Year Ended December 31 Dec 31, 2025 Sep 30, 2025 2025 2024 2023 2022 2021 (Do llars in tho usands, except per share data) RETURN ON AVERAGE(1) Assets 2.26% 2.33% 2.37% 2.65% 1.68% 2.02% 2.21% Ta
Slide 24: Non-GAAP Reconciliations
Non-GAAP Reconciliations Earnings Release: Q4 2025 and Full Year For the Three Months Ended For the Year Ended December 31 Dec 31, 2025 Sep 30, 2025 2025 2024 2023 2022 2021 (Dollars in tho usands, except per share data) TANGIBLE SHAREHOLDERS' EQUITY Total shareholders equity $ 250,995 $ 241,736 $ 2
Slide 25: Non-GAAP Reconciliations -- Continued
Non-GAAP Reconciliations -- Continued Earnings Release: Q4 2025 and Full Year For the Three Months Ended For the Year Ended December 31 Dec 31, 2025 Sep 30, 2025 2025 2024 2023 2022 2021 (Do llars in tho usands, except per share data) PRE-PROVISION PRE-TAX EARNINGS Net Income $ 10,784 $ 10,844 $ 43,
Slide 26: Oil & Gas Asset Recap
Oil & Gas Asset Recap Earnings Release: Q4 2025 and Full Year 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,
Slide 27: Investment Portfolio
Investment Portfolio Earnings Release: Q4 2025 and Full Year Available-for-Sale Securities Portfolio Municipal - Tax Exempt $10.99 / 20.3% Municipal - Taxable $6.79 / 12.6% U.S. Treasuries $5.61 / 10.4% Corporate $5.18 / 9.6% ■ Weighted Average Duration: 3.7 Years U.S. Federal Agencies ■ Book Yield:
Slide 28: Legal Information and Distribution
Legal Information and Distribution Earnings Release: Q4 2025 and Full Year 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:
Slide 29: 28
28