Bank7 Corp. Announces Q4 2025 and Full Year Earnings

Rhea-AI Summary

Bank7 Corp (NASDAQ: BSVN) reported unaudited results for Q4 and full year 2025. For Q4 ended Dec 31, 2025, net income was $10.8M and diluted EPS was $1.12, roughly flat versus Q3. Total assets reached $2.0B and total loans were $1.6B for the quarter. For FY2025, net income was $43.1M and diluted EPS was $4.50, while total assets rose to $2.0B from $1.7B and total loans rose to $1.6B from $1.4B.

Capital remained strong: Bank and consolidated Tier 1 leverage 12.82%, Tier 1 risk-based 14.09%, and total risk-based ~15.25%, all well above "well-capitalized" minimums.

Positive

• Total assets +12.87% year-over-year to $2.0B
• Total loans +14.96% year-over-year to $1.6B
• Total deposits +12.18% year-over-year to $1.701B
• Shareholders' equity +17.7% year-over-year to $251.0M
• Strong regulatory capital: Tier 1 leverage 12.82%, Tier 1 risk-based 14.09%, total risk-based ~15.25%

Negative

• Noninterest income down 24.4% year-over-year to $8.5M
• Debt securities (amortized cost) reduced ~13.8% year-over-year to $57.3M

News Market Reaction

+1.34%

1 alert

+1.34% News Effect

On the day this news was published, BSVN gained 1.34%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Q4 2025 net income: $10.8M Q4 2025 diluted EPS: $1.12 2025 net income: $43.1M +5 more

8 metrics

Q4 2025 net income $10.8M Three months ended Dec 31, 2025 vs Q3 2025 (down 0.55%)

Q4 2025 diluted EPS $1.12 Three months ended Dec 31, 2025 vs $1.13 prior quarter

2025 net income $43.1M Year ended Dec 31, 2025 vs $45.7M in 2024 (down 5.75%)

2025 diluted EPS $4.50 Year ended Dec 31, 2025 vs $4.84 in 2024 (down 7.02%)

Total assets $2.0B Dec 31, 2025 vs $1.7B at Dec 31, 2024 (up 12.87%)

Total loans $1.6B Dec 31, 2025 vs $1.4B at Dec 31, 2024 (up 14.96%)

Tier 1 leverage ratio 12.82% Bank and consolidated, Dec 31, 2025, above well-capitalized minimums

Q4 2025 net interest margin 4.76% Three months ended Dec 31, 2025 vs 5.12% in Q4 2024

Market Reality Check

Price: $44.05 Vol: Volume 7,868 is below 20-...

low vol

$44.05 Last Close

Volume Volume 7,868 is below 20-day average of 16,170, suggesting a relatively subdued reaction so far. low

Technical Price $43.14 is trading above 200-day MA at $42.48, showing a pre-news uptrend bias.

Peers on Argus

BSVN was up 1.75% with mixed peer action: AROW, NFBK, FFIC gained, RRBI was flat...

BSVN was up 1.75% with mixed peer action: AROW, NFBK, FFIC gained, RRBI was flat, and BWB slipped. Moves were modest and not clearly sector-driven.

Historical Context

5 past events · Latest: Jan 07 (Neutral)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 07	Earnings call notice	Neutral	+0.0%	Announced timing and access details for Q4/FY 2025 call.
Dec 04	Dividend declaration	Positive	-1.6%	Declared <b>$0.27</b> quarterly cash dividend on common stock.
Oct 15	Q3 2025 earnings	Positive	+0.6%	Reported strong Q3 earnings with solid capital ratios.
Oct 02	Earnings call notice	Neutral	+0.3%	Scheduled Q3 2025 results release and conference call.
Aug 25	Buyback renewal	Positive	+1.2%	Renewed stock repurchase plan for up to 750,000 shares.

Pattern Detected

Recent fundamental news (earnings, buyback, dividend) generally saw modest, mostly positive price alignment, with one dividend-related divergence.

Recent Company History

Over the past six months, Bank7’s news flow featured earnings, capital returns, and routine conference call notices. Q3 2025 earnings on Oct 15 highlighted solid profitability and strong capital ratios, with a modestly positive price reaction. A stock repurchase plan renewal on Aug 25 also coincided with a gain. The December $0.27 dividend announcement saw a small decline, the only notable divergence. Today’s Q4 and full-year 2025 earnings continue this stream of profitability and balance sheet growth updates.

Market Pulse Summary

This announcement delivers a detailed view of Q4 and full-year 2025 performance, highlighting stable...

Analysis

This announcement delivers a detailed view of Q4 and full-year 2025 performance, highlighting stable quarterly net income, strong growth in total loans to $1.6B, and total assets near $2.0B. At the same time, full-year EPS and net income declined versus 2024, and net interest margin compressed. Capital ratios, including a Tier 1 leverage ratio of 12.82%, remained well above regulatory well-capitalized thresholds. Investors may watch future margin trends, credit costs, and loan growth sustainability.

Key Terms

pre-provision pre-tax earnings, available-for-sale debt securities, tier 1 leverage ratio, tier 1 risk-based capital ratio, +4 more

8 terms

pre-provision pre-tax earnings financial

"This earnings release contains the non-GAAP financial measure pre-provision pre-tax earnings."

Pre-provision pre-tax earnings is a bank’s profit measure that shows how much money the business generates from normal operations before it sets aside funds for potential loan losses and before paying taxes. Investors use it like a clean snapshot of a bank’s underlying performance—similar to judging a store’s sales and operating profit before accounting for a rainy-day reserve—because it helps compare core profitability without the ups and downs of credit loss provisions and tax effects.

available-for-sale debt securities financial

"Loss on sales and calls of available-for-sale debt securities | - | 10 | 10 | 6"

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.

tier 1 leverage ratio regulatory

"the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 12.82%, 14.09%, and 15.25%"

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

"the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 12.82%, 14.09%, and 15.25%"

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 12.82%, 14.09%, and 15.25%"

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.

non-gaap financial measure financial

"This earnings release contains the non-GAAP financial measure pre-provision pre-tax earnings."

A non-GAAP financial measure is a way companies present their financial results that excludes certain expenses or income to show how they believe their core business is performing. It matters because it can give a clearer picture of how the company is really doing, but it can also be used to make results look better than they actually are.

allowance for credit losses financial

"Loans, net of allowance for credit losses of $19,407 and $17,918 at December 31, 2025 and December 31, 2024"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

net interest margin financial

"Net interest margin | 4.76 % | 5.12 %"

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.

AI-generated analysis. Not financial advice.

OKLAHOMA CITY, Jan. 15, 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 December 31, 2025.  "We are happy to report a strong fourth quarter and another full-year of robust earnings.  Our bankers produced outstanding loan and deposit growth, while also maintaining a strong net interest margin and excellent credit quality.  We are excited about 2026, as our properly matched balance sheet has us well positioned to continue to take advantage of our dynamic geographic region," said Thomas L. Travis, President and CEO of the Company.

For the three months ended December 31, 2025 compared to the three months ended September 30, 2025:

• Net income of $10.8 million compared to $10.8 million, a decrease of 0.55%
• Earnings per share of $1.12 compared to $1.13, a decrease of 0.88%
• Total assets of $2.0 billion compared to $1.9 billion, an increase of 3.82%
• Total loans of $1.6 billion compared to $1.5 billion, an increase of 4.71%
• Pre-provision pre-tax earnings of $14.2 million compared to $14.9 million, a decrease of 4.95%
• Total interest income of $32.8 million compared to $33.7 million, a decrease of 2.67%

For the year ended December 31, 2025 compared to the year ended December 31, 2024:

• Net income of $43.1 million compared to $45.7 million, a decrease of 5.75%
• Earnings per share of $4.50 compared to $4.84, a decrease of 7.02%
• Total assets of $2.0 billion compared to $1.7 billion, an increase of 12.87%
• Total loans of $1.6 billion compared to $1.4 billion, an increase of 14.96%
• Pre-provision pre-tax earnings of $57.5 million compared to $60.4 million, a decrease of 4.78%
• Total interest income of $128.8 million compared to $131.5 million, a decrease of 2.11%

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 December 31, 2025, the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 12.82%, 14.09%, and 15.25%, respectively.  On December 31, 2025, on a consolidated basis, the Company's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 12.82%, 14.09%, and 15.24%, 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				For the Year Ended
	December 31,		September 30,		December 31,
	2025		2025		2025		2024
Calculation of Pre-Provision Pre-Tax Earnings	(Dollars in thousands)
Net Income	$                       10,784		$                 10,844		$                 43,069		$          45,698
Income Tax Expense	3,375		3,342		13,696		14,656
Pre-tax net income	14,159		14,186		56,765		60,354
Add back: Provision for credit losses	-		700		700		-
Add back: (Gain)Loss on sales/calls of AFS debt securities	-		10		10		6
Pre-provision pre-tax earnings	$                       14,159		$                 14,896		57,475		60,360

 

Unaudited Condensed Consolidated Balance Sheets (Dollar amounts in thousands, except par value)
Assets	December 31, 2025 (unaudited)		December 31, 2024
	(Dollars in thousands)
Cash and due from banks	$             244,635		$             234,196
Interest-bearing time deposits in other banks	10,457		6,719
Available-for-sale debt securities (amortized cost of $57,316 and
$66,445 at December 31, 2025 and December 31, 2024, respectively)	54,019		59,941
Loans, net of allowance for credit losses of $19,407 and
$17,918 at December 31, 2025 and December 31, 2024, respectively	1,587,024		1,379,465
Loans held for sale	2,078		-
Premises and equipment, net	21,884		18,137
Nonmarketable equity securities	1,165		1,283
Core deposit intangibles	752		878
Goodwill	11,208		8,458
Interest receivable and other assets	30,418		30,731
Total assets	$          1,963,640		$          1,739,808
Liabilities and Shareholders' Equity
Deposits
Noninterest-bearing	$             341,416		$             313,258
Interest-bearing	1,359,417		1,202,213
Total deposits	1,700,833		1,515,471
Income taxes payable	594		77
Interest payable and other liabilities	11,218		11,047
Total liabilities	1,712,645		1,526,595
Shareholders' equity
Common stock, $0.01 par value; 50,000,000 shares authorized; shares
issued and outstanding: 9,462,656 and 9,390,211 at December 31, 2025
and December 31, 2024, respectively	95		94
Additional paid-in capital	103,739		101,809
Retained earnings	149,707		116,281
Accumulated other comprehensive loss	(2,546)		(4,971)
Total shareholders' equity	250,995		213,213
Total liabilities and shareholders' equity	$          1,963,640		$          1,739,808

 

Unaudited Condensed Consolidated Statements of Comprehensive Income (Dollar amounts in thousands, except per share data)
		Three Months Ended				For the Year Ended
		December 31,				December 31,
		2025 (unaudited)		2024 (unaudited)		2025 (unaudited)		2024 (unaudited)
Interest Income		(Dollars in thousands)
Loans, including fees		$         30,306		$         29,582		$       117,513		$       119,416
Interest-bearing time deposits in other banks		158		110		564		785
Debt securities, taxable		258		265		1,085		2,531
Debt securities, tax-exempt		59		60		246		273
Other interest and dividend income		2,035		2,313		9,350		8,535
Total interest income		32,816		32,330		128,758		131,540
Interest Expense
Deposits		10,551		10,593		40,885		45,345
Total interest expense		10,551		10,593		40,885		45,345
Net Interest Income		22,265		21,737		87,873		86,195
Provision for Credit Losses		-		-		700		-
Net Interest Income After Provision for Credit Losses		22,265		21,737		87,173		86,195
Noninterest Income
Mortgage lending income		326		137		1,326		370
Loss on sales, prepayments, and calls of available-for-sale debt securities		-		(3)		(10)		(6)
Service charges on deposit accounts		244		233		941		975
Other		1,269		2,034		6,246		9,915
Total noninterest income		1,839		2,401		8,503		11,254
Noninterest Expense
Salaries and employee benefits		5,805		5,043		22,634		20,783
Furniture and equipment		325		257		1,278		1,070
Occupancy		690		655		2,580		2,640
Data and item processing		513		459		2,128		1,897
Accounting, marketing and legal fees		273		255		757		836
Regulatory assessments		268		211		814		1,196
Advertising and public relations		289		192		917		549
Travel, lodging and entertainment		150		161		439		431
Other		1,632		2,185		7,364		7,693
Total noninterest expense		9,945		9,418		38,911		37,095
Income Before Taxes		14,159		14,720		56,765		60,354
Income tax expense		3,375		3,611		13,696		14,656
Net Income		$         10,784		$         11,109		$         43,069		$         45,698
Earnings per common share - basic		$             1.14		$             1.19		$             4.56		$             4.92
Earnings per common share - diluted		1.12		1.16		4.50		4.84
Weighted average common shares outstanding - basic		9,454,366		9,366,074		9,444,105		9,290,051
Weighted average common shares outstanding - diluted		9,599,897		9,556,388		9,574,190		9,447,751
Other Comprehensive Income
Unrealized gains on securities, net of tax expense(benefit) of $141 and ($304) for the
three months ended December 31 2025 and 2024, respectively; net of tax expense of
$784 and $335 for the years ended December 31, 2025 and 2024, respectively		$              475		$            (856)		$           2,417		$           1,169
Reclassification adjustment for realized losses included in net income net of tax of
$0 and $1 for the three months ended December 31, 2025 and 2024, respectively;
$2 and $1 for the years ended December 31, 2025 and 2024, respectively		-		2		8		5
Other comprehensive income		$              475		$            (854)		$           2,425		$           1,174
Comprehensive Income		$         11,259		$         10,255		$         45,494		$         46,872

 

		Net Interest Margin
		For the Three Months Ended December 31,
		2025 (unaudited)						2024 (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		$       226,584		$       2,193		3.84 %		$       195,948		$       2,423		4.91 %
Debt securities, taxable-equivalent		44,673		258		2.29		50,504		265		2.08
Debt securities, tax exempt		11,196		59		2.09		14,216		60		1.67
Loans held for sale		1,431		-		-		526		-		-
Total loans(1)		1,570,814		30,306		7.65		1,422,382		29,582		8.25
Total interest-earning assets		1,854,698		32,816		7.02		1,683,576		32,330		7.62
Noninterest-earning assets		41,518						39,721
Total assets		$    1,896,216						$    1,723,297
Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts		$    1,078,895		$       8,214		3.02 %		$       911,978		$       7,683		3.34 %
Time deposits		244,282		2,337		3.80		250,209		2,910		4.61
Total interest-bearing deposits		1,323,177		10,551		3.16		1,162,187		10,593		3.62
Total interest-bearing liabilities		$    1,323,177		10,551		3.16		$    1,162,187		10,593		3.62
Noninterest-bearing liabilities:
Noninterest-bearing deposits		$       312,943						$       338,645
Other noninterest-bearing liabilities		12,435						13,014
Total noninterest-bearing liabilities		325,378						351,659
Shareholders' equity		247,661						209,451
Total liabilities and shareholders' equity		$    1,896,216						$    1,723,297
Net interest income				$     22,265						$     21,737
Net interest spread						3.86 %						4.00 %
Net interest margin						4.76 %						5.12 %
(1)       Nonaccrual loans are included in total loans

 

		Net Interest Margin
		For the Year Ended December 31,
		2025 (unaudited)						2024 (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		$       235,211		$        9,914		4.21 %		$       184,328		$        9,320		5.04 %
Debt securities, taxable-equivalent		46,599		1,085		2.33		90,184		2,531		2.80
Debt securities, tax exempt		12,042		246		2.04		16,651		273		1.64
Loans held for sale		1,448		-		-		343		-		-
Total loans(1)		1,483,112		117,513		7.92		1,391,552		119,416		8.56
Total interest-earning assets		1,778,412		128,758		7.24		1,683,058		131,540		7.79
Noninterest-earning assets		41,782						39,555
Total assets		$    1,820,194						$    1,722,613
Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts		$    1,021,059		$      31,396		3.07 %		$       882,314		$      33,408		3.78 %
Time deposits		237,548		9,489		3.99		254,057		11,937		4.69
Total interest-bearing deposits		1,258,607		40,885		3.25		1,136,371		45,345		3.98
Total interest-bearing liabilities		$    1,258,607		$      40,885		3.25		$    1,136,371		$      45,345		3.98
Noninterest-bearing liabilities:
Noninterest-bearing deposits		$       317,743						$       381,660
Other noninterest-bearing liabilities		11,105						12,419
Total noninterest-bearing liabilities		328,848						394,079
Shareholders' equity		232,739						192,163
Total liabilities and shareholders' equity		$    1,820,194						$    1,722,613
Net interest income				$      87,873						$      86,195
Net interest spread						3.99 %						3.81 %
Net interest margin						4.94 %						5.11 %
(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 fourth quarter results, which will be broadcast live over the Internet, on Thursday, January 15, 2026 at 9:00 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/bY1VLYELzkO. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/bY1VLYELzkO 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

What did Bank7 (BSVN) report for Q4 2025 net income and EPS?

Bank7 reported Q4 2025 net income of $10.8M and diluted EPS of $1.12.

How did Bank7's total loans and deposits change in full year 2025 (BSVN)?

For FY2025 Bank7's total loans increased 14.96% to $1.6B and total deposits increased 12.18% to $1.701B.

What were Bank7's capital ratios at December 31, 2025 (BSVN)?

At 12/31/2025 Bank7's Tier 1 leverage was 12.82%, Tier 1 risk-based 14.09%, and total risk-based ~15.25%.

Did Bank7 (BSVN) report growth in total assets for 2025?

Yes. Total assets grew to $2.0B, an increase of 12.87% year-over-year.

How did Bank7's noninterest income perform in 2025 (BSVN)?

Noninterest income declined to $8.5M for FY2025, a 24.4% decrease versus 2024.

What was Bank7's pre-provision pre-tax earnings for full year 2025 (BSVN)?

Pre-provision pre-tax earnings for FY2025 were $57.5M.