Bank7 Corp. Announces Q2 2026 Earnings

Rhea-AI Summary

Bank7 Corp. (NASDAQ: BSVN) reported unaudited Q2 2026 results for the quarter ended June 30, 2026. Net income was $8.35 million versus $11.11 million a year earlier, with diluted EPS of $0.87 versus $1.16. The company highlighted a non-recurring loss on the sale of energy assets following maximized recovery on a previously charged-off 2023 energy loan.

Total assets were $1.91 billion, up 4.25% year over year, and total loans reached $1.60 billion, up 6.68%. Pre-provision pre-tax earnings were $11.02 million, down from $14.71 million. Q2 total interest income was $30.93 million versus $31.78 million, while net interest income edged up to $21.91 million. The Q2 net interest margin was 4.81% compared with 4.96% a year earlier.

Both the bank and the company remained well above regulatory “well-capitalized” thresholds, with a Tier 1 leverage ratio of 13.88% and total risk-based capital ratio of 16.36% at June 30, 2026.

Positive

• Total loans $1.60 billion, up 6.68% year over year
• Total assets $1.91 billion, up 4.25% year over year
• Net interest income $21.9 million in Q2 2026, slightly above $21.7 million
• No provision for credit losses in Q2 and first half 2026
• Strong regulatory capital with Tier 1 leverage ratio at 13.88%
• Net interest margin 5.04% for first half 2026 versus 4.97% a year earlier

Negative

• Q2 net income $8.35 million, down 24.84% year over year
• Q2 diluted EPS $0.87, down 25.00% year over year
• Pre-provision pre-tax earnings $11.02 million, down from $14.71 million
• Total noninterest income $1.00 million versus $2.70 million year over year
• Total noninterest expense $11.89 million versus $9.73 million year over year
• Q2 net interest margin 4.81%, down from 4.96% a year earlier

News Explained

At June 30, 2026, reported cash was below year-end while the common-share base was larger, adding balance-sheet and ownership-structure information.

The July 16, 2026 release reports unaudited Q2 results for the quarter ended June 30, 2026; compared with December 31, 2025, its balance sheet shows cash and due from banks of $220,585 thousand versus $244,635 thousand, alongside a larger reported common-share base of 9,519,335 shares versus 9,462,656.

The share-count comparison establishes a larger reported common-share base, but not whether existing holders' ownership percentage changed.

News Market Reaction – BSVN

-2.51%

-2.51% News Effect

On the day this news was published, BSVN declined 2.51%, reflecting a moderate negative market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

Placed against an earnings-history average move of -0.63% and low short positioning, this Q2 report ...

Analysis

Placed against an earnings-history average move of -0.63% and low short positioning, this Q2 report sits within a framework of generally orderly reactions. Recent insider activity shows net selling, so investors may watch for any governance or capital-raising signals alongside ongoing loan growth.

Key Figures

Net income: $8.35M Diluted EPS: $0.87 Total assets: $1.91B +5 more

8 metrics

Net income $8.35M Q2 2026 vs $11.11M in Q2 2025 (down 24.84%)

Diluted EPS $0.87 Q2 2026 vs $1.16 in Q2 2025 (down 25.00%)

Total assets $1.91B Q2 2026 vs $1.84B in Q2 2025 (up 4.25%)

Total loans $1.60B Q2 2026 vs $1.50B in Q2 2025 (up 6.68%)

Pre-provision pre-tax earnings $11.02M Q2 2026 vs $14.71M in Q2 2025 (down 25.10%)

Total interest income $30.93M Q2 2026 vs $31.78M in Q2 2025 (down 2.69%)

Bank Tier 1 leverage ratio 13.88% Bank-level capital ratio as of June 30, 2026

Net interest margin 4.81% Q2 2026 vs 4.96% in Q2 2025

Previous Earnings Reports

5 past events · Latest: Apr 14 (Positive)

Same Type Pattern 5 events

Date	Event	Sentiment	24h Move	Catalyst
Apr 14	Quarterly earnings report	Positive	+2.4%	Q1 2026 earnings with higher net income, EPS and strong margins.
Oct 15	Quarterly earnings report	Positive	+0.6%	Q3 2025 earnings showing higher assets, loans, deposits and solid capital.
Jul 17	Quarterly earnings report	Positive	+1.9%	Q2 2025 earnings with rising net income, EPS, assets and loans.
Apr 10	Quarterly earnings report	Negative	-4.8%	Q1 2025 earnings showing lower net income, EPS and net interest margin.
Jan 16	Annual earnings report	Positive	-3.2%	Strong 2024 results with sharply higher net income and EPS but softer assets.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Earnings headlines for Bank7 have typically seen share-price moves align with the fundamental tone, with only one divergence in the last five tagged earnings events.

Key Terms

tier 1 leverage ratio, tier 1 risk-based capital ratio, total risk-based capital ratios, available-for-sale debt securities, +2 more

6 terms

tier 1 leverage ratio regulatory

"On June 30, 2026, the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio..."

Tier 1 leverage ratio measures a bank’s core capital — the money that can absorb losses — as a share of its total assets, showing how much of its balance sheet is funded by real loss-absorbing capital rather than borrowed money. Investors use it like a safety gauge: a higher ratio means a bigger cushion against shocks and lower risk of insolvency, similar to how a thicker spare tire reduces the chance of being stranded.

tier 1 risk-based capital ratio regulatory

"On June 30, 2026, the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio..."

A Tier 1 risk-based capital ratio measures a bank’s core financial cushion—its highest-quality capital such as common equity—relative to the size and risk of its assets, where riskier loans count for more. Think of it as the safety margin a bank keeps against losses compared to the amount and riskiness of what it owns; investors use it to judge a bank’s solvency, regulatory strength, and ability to withstand shocks or sustain payouts.

total risk-based capital ratios regulatory

"the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.88%, 15.18%, and 16.36%"

A measure of a bank’s capital cushion compared to the size and riskiness of its assets, calculated by dividing a bank’s total qualifying capital by its assets after adjusting each asset for how risky it is. Think of it as a safety margin — higher ratios mean the bank has a bigger buffer to absorb losses, which matters to investors because it signals financial strength, regulatory compliance, and lower likelihood of forced capital actions or reduced payouts.

available-for-sale debt securities financial

"loss on sales and calls of available-for-sale debt securities."

A type of debt investment—like bonds or loans a company buys—that the company intends to hold for a while but may sell before it matures. Think of it as lending money with the option to sell the IOU; changes in its market value alter the company’s reported net worth now but usually don’t affect reported profit until the investment is actually sold, so investors watch these holdings for balance-sheet risk and potential future gains or losses.

net interest margin financial

"Net interest margin | | 4.81 % | | 4.96 %"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

nonaccrual loans financial

"(1) | Nonaccrual loans are included in total loans"

Nonaccrual loans are loans a lender has stopped counting toward interest income because the borrower is overdue or unlikely to pay; the lender only records cash payments received and may set aside extra funds to cover potential losses. For investors, a rising number or amount of nonaccrual loans signals weaker credit quality, lower future interest revenue and larger potential write-downs — similar to pausing expected subscription income when many customers stop paying.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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OKLAHOMA CITY, July 16, 2026 /PRNewswire/ -- Bank7 Corp. (NASDAQ: BSVN) ("the Company"), the parent company of Oklahoma City-based Bank7 (the "Bank"), today reported unaudited results for the quarter ended June 30, 2026.  "We are pleased with our core banking results this quarter. Reported results include a non-recurring loss on the sale of energy assets, which followed the successful maximization of our loan loss recovery related to an energy loan previously charged off in 2023. The Company continues to benefit from strong capital, robust liquidity, a solid net interest margin, and excellent credit quality, which are all supported by our properly matched balance sheet and our location in the dynamic markets we serve," said Thomas L. Travis, President and CEO of the Company.

For the three months ended June 30, 2026 compared to the three months ended June 30, 2025:

• Net income of $8.35 million compared to $11.11 million, a decrease of 24.84%
• Earnings per share of $0.87 compared to $1.16, a decrease of 25.00%
• Total assets of $1.91 billion compared to $1.84 billion, an increase of 4.25%
• Total loans of $1.60 billion compared to $1.50 billion, an increase of 6.68%
• Pre-provision pre-tax earnings of $11.02 million compared to $14.71 million, a decrease of 25.10%
• Total interest income of $30.93 million compared to $31.78 million, a decrease of 2.69%

Both the Bank's and the Company's capital levels continue to be significantly above the minimum levels required to be designated as "well-capitalized" for regulatory purposes.  On June 30, 2026, the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.88%, 15.18%, and 16.36%, respectively.  On June 30, 2026, on a consolidated basis, the Company's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.88%, 15.17%, and 16.35%, respectively.  Designation as a well-capitalized institution under regulations does not constitute a recommendation or endorsement by bank regulators. 

Non-GAAP Financial Measures:
This earnings release contains the non-GAAP financial measure pre-provision pre-tax earnings.  The Company's management uses this non-GAAP measure in their analysis of the Company's performance.  This measure adjusts GAAP performance to exclude from net income, income tax expense, provision for credit losses, and loss on sales and calls of available-for-sale debt securities.

					For the Three Months Ended
					June 30,		June 30,
					2026		2025
Calculation of Pre-Provision Pre-Tax Earnings					(Dollars in thousands)
Net Income					$                     8,346		$           11,105
Income Tax Expense					2,669		3,602
Pre-tax net income					11,015		14,707
Add back: Provision for credit losses					-		-
Add back: (Gain)Loss on sales/calls of AFS debt securities					-		-
Pre-provision pre-tax earnings					$                   11,015		$           14,707

 

Unaudited Condensed Consolidated Balance Sheets (Dollar amounts in thousands, except par value)
Assets	June 30, 2026 (unaudited)		December 31, 2025
	(Dollars in thousands)
Cash and due from banks	$               220,585		$               244,635
Interest-bearing time deposits in other banks	1,494		10,457
Available-for-sale debt securities (amortized cost of $54,950 and
$57,316 at June 30, 2026 and December 31, 2025, respectively)	51,622		54,019
Loans, net of allowance for credit losses of $19,512 and
$19,407 at June 30, 2026 and December 31, 2025, respectively	1,577,838		1,587,024
Loans held for sale	5,156		2,078
Premises and equipment, net	25,897		21,884
Nonmarketable equity securities	1,183		1,165
Core deposit intangibles	690		752
Goodwill	11,208		11,208
Interest receivable and other assets	18,654		30,418
Total assets	$            1,914,327		$            1,963,640
Liabilities and Shareholders' Equity
Deposits
Noninterest-bearing	$               329,240		$               341,416
Interest-bearing	1,308,563		1,359,417
Total deposits	1,637,803		1,700,833
Income taxes payable	839		594
Interest payable and other liabilities	9,379		11,218
Total liabilities	1,648,021		1,712,645
Shareholders' equity
Common stock, $0.01 par value; 50,000,000 shares authorized; shares
issued and outstanding: 9,519,335 and 9,462,656 at June 30, 2026
and December 31, 2025, respectively	95		95
Additional paid-in capital	103,865		103,739
Retained earnings	164,919		149,707
Accumulated other comprehensive loss	(2,573)		(2,546)
Total shareholders' equity	266,306		250,995
Total liabilities and shareholders' equity	$            1,914,327		$            1,963,640

 

Unaudited Condensed Consolidated Statements of Comprehensive Income (Dollar amounts in thousands, except per share data)
		Three Months Ended				Six Months Ended
		June 30,				June 30,
		2026 (unaudited)		2025 (unaudited)		2026 (unaudited)		2025 (unaudited)
Interest Income		(Dollars in thousands)
Loans, including fees		$          28,980		$          28,965		$          60,592		$          56,293
Interest-bearing time deposits in other banks		38		145		150		246
Debt securities, taxable		249		278		499		561
Debt securities, tax-exempt		59		63		119		126
Other interest and dividend income		1,601		2,330		3,350		4,997
Total interest income		30,927		31,781		64,710		62,223
Interest Expense
Deposits		9,022		10,043		18,613		19,643
Total interest expense		9,022		10,043		18,613		19,643
Net Interest Income		21,905		21,738		46,097		42,580
Provision for Credit Losses		-		-		-		-
Net Interest Income After Provision for Credit Losses		21,905		21,738		46,097		42,580
Noninterest Income
Mortgage lending income		476		520		851		610
Service charges on deposit accounts		215		232		464		450
Other		311		1,949		1,653		3,396
Total noninterest income		1,002		2,701		2,968		4,456
Noninterest Expense
Salaries and employee benefits		6,196		5,721		12,527		11,000
Furniture and equipment		422		361		763		612
Occupancy		724		630		1,410		1,222
Data and item processing		546		590		1,089		1,100
Accounting, marketing and legal fees		437		158		1,022		263
Regulatory assessments		259		213		518		297
Advertising and public relations		98		223		270		417
Travel, lodging and entertainment		104		121		174		177
Other		3,106		1,715		4,456		3,528
Total noninterest expense		11,892		9,732		22,229		18,616
Income Before Taxes		11,015		14,707		26,836		28,420
Income tax expense		2,669		3,602		6,484		6,979
Net Income		$            8,346		$          11,105		$          20,352		$          21,441
Earnings per common share - basic		$              0.88		$              1.18		$              2.14		$              2.27
Earnings per common share - diluted		0.87		1.16		2.12		2.25
Weighted average common shares outstanding - basic		9,519,335		9,449,152		9,505,283		9,435,414
Weighted average common shares outstanding - diluted		9,604,143		9,545,128		9,600,421		9,548,583
Other Comprehensive Income (Loss)
Unrealized (losses) gains on securities, net of tax expense of $50 and $189
for the three months ended June 30, 2026 and 2025, respectively; net of tax (benefit) expense
of ($5) and $419 for the six months ended June 30, 2026 and 2025, respectively		$               114		$               587		$                (27)		$            1,229
Other comprehensive income (loss)		$               114		$               587		$                (27)		$            1,229
Comprehensive Income		$            8,460		$          11,692		$          20,325		$          22,670

 

		Net Interest Margin
		For the Three Months Ended June 30,
		2026 (unaudited)						2025 (unaudited)
		Average Balance		Interest Income/ Expense		Average Yield/ Rate		Average Balance		Interest Income/ Expense		Average Yield/ Rate
		(Dollars in thousands)
Interest-Earning Assets:
Short-term investments		$           184,292		$        1,639		3.57 %		$           247,652		$        2,475		4.01 %
Debt securities, taxable-equivalent		42,166		249		2.37		47,285		278		2.36
Debt securities, tax exempt		10,975		59		2.16		12,502		63		2.02
Loans held for sale		1,998		-		-		1,987		-		-
Total loans(1)		1,588,481		28,980		7.32		1,448,924		28,965		8.02
Total interest-earning assets		1,827,912		30,927		6.79		1,758,350		31,781		7.25
Noninterest-earning assets		35,384						43,048
Total assets		$        1,863,296						$        1,801,398
Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts		$        1,003,124		$        6,721		2.69 %		$        1,006,484		$        7,676		3.06 %
Time deposits		262,081		2,301		3.52		236,108		2,367		4.02
Total interest-bearing deposits		1,265,205		9,022		2.86		1,242,592		10,043		3.24
Total interest-bearing liabilities		$        1,265,205		9,022		2.86		$        1,242,592		10,043		3.24
Noninterest-bearing liabilities:
Noninterest-bearing deposits		$           325,384						$           321,351
Other noninterest-bearing liabilities		9,157						10,471
Total noninterest-bearing liabilities		334,541						331,822
Shareholders' equity		263,550						226,984
Total liabilities and shareholders' equity		$        1,863,296						$        1,801,398
Net interest income				$      21,905						$      21,738
Net interest spread						3.93 %						4.01 %
Net interest margin						4.81 %						4.96 %

(1)	Nonaccrual loans are included in total loans

 

		Net Interest Margin
		For the Six Months Ended June, 30
		2026 (unaudited)						2025 (unaudited)
		Average Balance		Interest Income/ Expense		Average Yield/ Rate		Average Balance		Interest Income/ Expense		Average Yield/ Rate
		(Dollars in thousands)
Interest-Earning Assets:
Short-term investments		$           197,098		$        3,500		3.58 %		$           242,876		$        5,243		4.35 %
Debt securities, taxable-equivalent		42,861		499		2.35		47,957		561		2.36
Debt securities, tax exempt		11,013		119		2.18		12,508		126		2.03
Loans held for sale		1,991		-		-		1,287		-		-
Total loans(1)		1,592,320		60,592		7.67		1,423,776		56,293		7.97
Total interest-earning assets		1,845,283		64,710		7.07		1,728,404		62,223		7.26
Noninterest-earning assets		38,323						41,511
Total assets		$        1,883,606						$        1,769,915
Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts		$        1,030,802		$      13,944		2.73 %		$           981,833		$      14,794		3.04 %
Time deposits		263,338		4,669		3.58		236,216		4,849		4.14
Total interest-bearing deposits		1,294,140		18,613		2.90		1,218,049		19,643		3.25
Total interest-bearing liabilities		$        1,294,140		$      18,613		2.90		$        1,218,049		$      19,643		3.25
Noninterest-bearing liabilities:
Noninterest-bearing deposits		$           320,326						$           318,952
Other noninterest-bearing liabilities		9,335						10,228
Total noninterest-bearing liabilities		329,661						329,180
Shareholders' equity		259,805						222,686
Total liabilities and shareholders' equity		$        1,883,606						$        1,769,915
Net interest income				$      46,097						$      42,580
Net interest spread						4.17 %						4.01 %
Net interest margin						5.04 %						4.97 %

(1)	Nonaccrual loans are included in total loans

About Bank7 Corp. 

We are Bank7 Corp., a bank holding company headquartered in Oklahoma City, Oklahoma. Through our wholly-owned subsidiary, Bank7, we operate twelve locations in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area and Kansas. We are focused on serving business owners and entrepreneurs by delivering fast, consistent and well-designed loan and deposit products to meet their financing needs. We intend to grow organically by selectively opening additional branches in our target markets as well as pursue strategic acquisitions.

Conference Call

Bank7 Corp. has scheduled a conference call to discuss its first quarter results, which will be broadcast live over the Internet, on Thursday, July 16, 2026 at 10:00 a.m. central standard time. To participate in the call, dial 1-888-348-6421, or access it live over the Internet at https://app.webinar.net/ZB5xN3Bnq1w. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/ZB5xN3Bnq1w shortly after the call for 1 year.

Cautionary Statements Regarding Forward-Looking Information

This communication contains a number of forward-looking statements. These forward-looking statements reflect Bank7 Corp.'s current views with respect to, among other things, future events and Bank7 Corp.'s financial performance. Any statements about Bank7 Corp.'s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as "anticipate," "believes," "can," "could," "may," "predicts," "potential," "should," "will," "estimate," "plans," "projects," "continuing," "ongoing," "expects," "intends" and similar words or phrases. Any or all of the forward-looking statements in (or conveyed orally regarding) this presentation may turn out to be inaccurate. The inclusion of or reference to forward-looking information in this presentation should not be regarded as a representation by Bank7 Corp. or any other person that the future plans, estimates or expectations contemplated by Bank7 Corp. will be achieved.

These forward-looking statements are subject to significant uncertainties because they are based upon:  the amount and timing of future changes in interest rates, market behavior, and other economic conditions; future laws, regulations, and accounting principles; changes in regulatory standards and examination policies, and a variety of other matters.  These other matters include, among other things, the impact the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators.  Bank7 Corp. has based these forward-looking statements largely on its current expectations and projections about future events and financial trends that Bank7 Corp. believes may affect its financial condition, results of operations, business strategy and financial needs. Bank7 Corp.'s actual results could differ materially from those anticipated in such forward-looking statements as a result of risks, uncertainties and assumptions that are difficult to predict. If one or more events related to these or other risks or uncertainties materialize, or if Bank7 Corp.'s underlying assumptions prove to be incorrect, actual results may differ materially from what Bank7 Corp. anticipates. You are cautioned not to place undue reliance on forward-looking statements. Further, any forward-looking statement speaks only as of the date on which it is made and Bank7 Corp. undertakes no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as may be required by law. All forward-looking statements herein are qualified by these cautionary statements.

Contact:

Thomas Travis
President & CEO
(405) 810-8600

 

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SOURCE Bank7 Corp.

FAQ

How did Bank7 Corp. (BSVN) perform financially in Q2 2026?

Bank7 Corp. reported Q2 2026 net income of $8.35 million and diluted EPS of $0.87. According to Bank7 Corp., this compares with $11.11 million in net income and $1.16 diluted EPS in Q2 2025, reflecting lower earnings year over year.

What were Bank7 Corp. (BSVN) loans and assets as of June 30, 2026?

As of June 30, 2026, Bank7 Corp. reported $1.91 billion in total assets and $1.60 billion in total loans. According to Bank7 Corp., assets rose 4.25% and loans increased 6.68% compared with June 30, 2025, indicating continued balance sheet growth.

What was Bank7 Corp. (BSVN) net interest margin in Q2 2026?

Bank7 Corp. reported a Q2 2026 net interest margin of 4.81%. According to Bank7 Corp., this compares with 4.96% in Q2 2025. Net interest income was $21.91 million in Q2 2026, slightly above $21.74 million recorded a year earlier.

Is Bank7 Corp. (BSVN) considered well-capitalized as of Q2 2026?

Yes, Bank7 Corp. reported capital ratios significantly above well-capitalized regulatory minimums at June 30, 2026. According to Bank7 Corp., the Tier 1 leverage ratio was 13.88%, Tier 1 risk-based capital 15.18%, and total risk-based capital 16.36% at the bank level.

How did noninterest income and expenses affect Bank7 Corp. (BSVN) Q2 2026 results?

Bank7 Corp. reported Q2 2026 noninterest income of $1.00 million and noninterest expense of $11.89 million. According to Bank7 Corp., noninterest income declined from $2.70 million while noninterest expense increased from $9.73 million, pressuring quarterly profitability.

Did Bank7 Corp. (BSVN) record any provision for credit losses in Q2 2026?

No, Bank7 Corp. recorded no provision for credit losses in Q2 2026. According to Bank7 Corp., the provision for credit losses was zero for both the three and six months ended June 30, 2026, consistent with the comparable 2025 periods.

What impacted Bank7 Corp. (BSVN) earnings related to energy assets in Q2 2026?

Bank7 Corp. stated Q2 2026 results include a non-recurring loss on the sale of energy assets. According to Bank7 Corp., this followed maximized loan loss recovery on an energy loan previously charged off in 2023, affecting reported earnings for the quarter.