Bank7 Corp (NASDAQ: BSVN) posts record Q1 2026 earnings

Rhea-AI Filing Summary

Bank7 Corp. reported strong Q1 2026 results, with net income of $12.0 million versus $10.3 million a year earlier and diluted EPS rising to $1.25 from $1.08, driven by higher net interest income.

Total assets were $1.95 billion and total deposits were $1.67 billion, with a net interest margin of 5.27% compared with 4.98% in Q1 2025. Asset quality remained solid, as no provision for credit losses was recorded and net recoveries were modestly positive.

Capital ratios stayed well above regulatory “well-capitalized” thresholds, including a Tier 1 leverage ratio of 13.24% and total risk-based capital ratio of 15.96% on March 31, 2026. Management highlighted record pre-provision pre-tax earnings of $15.8 million, strong liquidity and a low dividend payout ratio supporting future growth.

Positive

• Record profitability with double-digit growth: Q1 2026 net income rose to $12.0 million from $10.3 million, with record EPS and pre-provision pre-tax earnings of $15.8 million, indicating materially stronger earnings power.
• Exceptional returns and margins: ROAA of 2.56%, ROATCE of 19.95% and a net interest margin of 5.27% (vs. 4.98% a year earlier) position the bank among top-performing peers.
• Robust capital and liquidity profile: Tier 1 leverage of 13.24% and total risk-based capital of 15.96%, combined with $805.58 million of cash, securities and undrawn credit, provide substantial loss-absorption and funding flexibility.

Negative

• None.

Insights

Banking analyst

Q1 2026 shows record profitability, strong capital and robust margins.

Bank7 Corp. delivered record pre-provision pre-tax earnings of $15.8 million and net income of $12.0 million, up from $10.3 million a year earlier. Net interest income rose to $24.2 million, supported by an expanded loan book and disciplined pricing.

Profitability metrics were notably strong, with ROAA of 2.56%, ROATCE of 19.95% and a net interest margin of 5.27%, up from 4.98% in Q1 2025. Operating efficiency also remained tight, with a sub-40% efficiency ratio referenced in the presentation.

Capital and liquidity provide a sizable cushion: Tier 1 leverage and total risk-based ratios of 13.24% and 15.96% comfortably exceed well-capitalized levels, while cash, unpledged securities and undrawn credit lines totaled $805.58 million. Future filings will clarify whether this earnings strength is sustained as interest rates and credit conditions evolve.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income: $12.0M Diluted EPS: $1.25 Net interest income: $24.2M +5 more

8 metrics

Net income $12.0M Three months ended March 31, 2026, vs $10.3M in 2025

Diluted EPS $1.25 Q1 2026 diluted earnings per share vs $1.08 in Q1 2025

Net interest income $24.2M Net interest income for Q1 2026 vs $20.8M in Q1 2025

Pre-provision pre-tax earnings $15.8M Pre-provision pre-tax earnings for Q1 2026

Net interest margin 5.27% Q1 2026 net interest margin vs 4.98% in Q1 2025

Tier 1 leverage ratio 13.24% Bank-level Tier 1 leverage ratio as of March 31, 2026

Total assets $1.95B Total assets as of March 31, 2026

Total deposits $1.67B Total deposits as of March 31, 2026

Key Terms

pre-provision pre-tax earnings, net interest margin, Tier 1 leverage ratio, efficiency ratio, +2 more

6 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.

net interest margin financial

"Net interest margin remains within our historical range, and is driven by disciplined loan pricing"

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.

Tier 1 leverage ratio financial

"the Bank’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.24%, 14.79%, and 15.96%"

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.

efficiency ratio financial

"Efficiency Ratio: 39.64%; core bank efficiency ratio of 38.82%"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

allowance for credit losses financial

"Loans, net of allowance for credit losses of $19,452 and $19,407 at March 31, 2026 and December 31, 2025"

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.

tangible book value per share financial

"Tangible book value per share is a non-GAAP financial measure, and is calculated by dividing “Total tangible shareholders’ equity” by “Shares outstanding”."

Tangible book value per share is the company's total physical and financial assets minus its liabilities and intangible items (like goodwill and brand value), divided by the number of outstanding shares. It gives investors a conservative, per‑share estimate of what would remain if the business sold only its hard assets and paid its debts—useful for judging whether a stock is priced above or below its underlying, tangible worth, like valuing a property by its bricks and cash rather than its reputation.

Offering Details

earnings_snapshot

Offering

Offering Type earnings_snapshot

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)

April 14, 2026

Bank7 Corp.

(Exact name of registrant as specified in its charter)

Oklahoma		001-38656		20-0763496
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

1039 N.W. 63rd Street, Oklahoma City, Oklahoma 73116

(Address of principal executive offices) (Zip Code)

(405) 810-8600

 (Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.01 par value	BSVN	The NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition

Item 7.01 Regulation FD Disclosure

On April 14, 2026, Bank7 Corp. (the “Company”), the holding company for Bank7, issued a press release announcing its results of operations and financial condition for the quarter ended March 31, 2026.  A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference.

The Company is conducting a conference call on April 14, 2026 at 10:00 am CST to discuss its first quarter 2026 financial results. A copy of the presentation slides to be used during the earnings call is attached to this Current Report on Form 8-K as Exhibit 99.2 and is incorporated herein by reference.

In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibit 99.1 and Exhibit 99.2, shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits.  

          The following exhibits are filed herewith:

Item		Description
99.1		Press Release dated April 14, 2026
99.2		First Quarter 2026 Investor Presentation

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	BANK7 CORP.
Date: April 14, 2026	By:	/s/   Kelly J. Harris
		Kelly J. Harris
		Executive Vice President and Chief Financial Officer

Exhibit 99.1

FOR IMMEDIATE RELEASE: Bank7 Corp. Announces Q1 2026 Earnings

Oklahoma City, April 14, 2026 – Bank7 Corp. (NASDAQ: BSVN) ("the Company"), the parent company of Oklahoma City-based Bank7 (the "Bank"), today reported unaudited results for the quarter ended March 31, 2026.  “We are pleased to announce record EPS, net income and PPE while maintaining a strong net interest margin, excellent credit quality, and robust liquidity. 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 March 31, 2026 compared to the three months ended March 31, 2025:

- Net income of $12.01 million compared to $10.34 million, an increase of 16.16%

- Earnings per share of $1.25 compared to $1.08, an increase of 15.74%

- Total assets of $1.95 billion compared to $1.79 billion, an increase of 8.94%

- Total loans of $1.59 billion compared to $1.42 billion, an increase of 11.94%

- Pre-provision pre-tax earnings of $15.82 million compared to $13.71 million, an increase of 15.37%

- Total interest income of $33.78 million compared to $30.44 million, an increase of 10.99%

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 March 31, 2026, the Bank’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.24%, 14.79%, and 15.96%, respectively.  On March 31, 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 13.24%, 14.78%, and 15.96%, 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
		March 31, 2026				March 31, 2025
Calculation of Pre-Provision Pre-Tax Earnings		(Dollars in thousands)
Net Income		$	12,006			$	10,336
Income Tax Expense			3,815				3,377
Pre-tax net income			15,821				13,713
Add back: Provision for credit losses			-				-
Add back: (Gain)Loss on sales/calls of AFS debt securities			-				-
Pre-provision pre-tax earnings		$	15,821			$	13,713

Unaudited Condensed Consolidated Balance Sheets

(Dollar amounts in thousands, except par value)

Assets		March 31, 2026 (unaudited)				December 31, 2025
		(Dollars in thousands)
Cash and due from banks		$	246,701			$	244,635
Interest-bearing time deposits in other banks			3,735				10,457
Available-for-sale debt securities (amortized cost of $55,632 and $57,316 at March 31, 2026 and December 31, 2025, respectively)			52,140				54,019
Loans, net of allowance for credit losses of $19,452 and $19,407 at March 31, 2026 and December 31, 2025, respectively			1,574,376				1,587,024
Loans held for sale			3,865				2,078
Premises and equipment, net			24,110				21,884
Nonmarketable equity securities			1,158				1,165
Core deposit intangibles			721				752
Goodwill			11,208				11,208
Interest receivable and other assets			27,066				30,418
Total assets		$	1,945,080			$	1,963,640
Liabilities and Shareholders’ Equity
Deposits
Noninterest-bearing		$	336,801			$	341,416
Interest-bearing			1,334,580				1,359,417
Total deposits			1,671,381				1,700,833
Income taxes payable			3,912				594
Interest payable and other liabilities			9,966				11,218
Total liabilities			1,685,259				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 March 31, 2026 and December 31, 2025, respectively			95				95
Additional paid-in capital			103,270				103,739
Retained earnings			159,143				149,707
Accumulated other comprehensive loss			(2,687	)			(2,546	)
Total shareholders’ equity			259,821				250,995
Total liabilities and shareholders’ equity		$	1,945,080			$	1,963,640

Unaudited Condensed Consolidated Statements of Comprehensive Income

(Dollar amounts in thousands, except per share data)

		Three Months Ended March 31,
		2026 (unaudited)				2025 (unaudited)
Interest Income		(Dollars in thousands)
Loans, including fees		$	31,613			$	27,324
Interest-bearing time deposits in other banks			112				101
Debt securities, taxable			250				283
Debt securities, tax-exempt			59				63
Other interest and dividend income			1,749				2,667
Total interest income			33,783				30,438
Interest Expense
Deposits			9,591				9,600
Total interest expense			9,591				9,600
Net Interest Income			24,192				20,838
Provision for Credit Losses			-				-
Net Interest Income After Provision for Credit Losses			24,192				20,838
Noninterest Income
Mortgage lending income			375				93
Loss on sales, prepayments, and calls of available-for-sale debt securities			-				-
Service charges on deposit accounts			249				218
Other			1,342				1,446
Total noninterest income			1,966				1,757
Noninterest Expense
Salaries and employee benefits			6,331				5,280
Furniture and equipment			342				250
Occupancy			686				592
Data and item processing			543				510
Accounting, marketing and legal fees			585				105
Regulatory assessments			259				83
Advertising and public relations			172				194
Travel, lodging and entertainment			71				56
Other			1,348				1,812
Total noninterest expense			10,337				8,882
Income Before Taxes			15,821				13,713
Income tax expense			3,815				3,377
Net Income		$	12,006			$	10,336
Earnings per common share - basic		$	1.26			$	1.10
Earnings per common share - diluted			1.25				1.08
Weighted average common shares outstanding - basic			9,491,075				9,421,534
Weighted average common shares outstanding - diluted			9,596,869				9,552,273
Other Comprehensive Income
Unrealized (losses) gains on securities, net of tax (benefit) expense of ($55) and $237 for the three months ended March 31, 2026 and 2025, respectively		$	(141	)		$	642
Other comprehensive (loss) income		$	(141	)		$	642
Comprehensive Income		$	11,865			$	10,978

		Net Interest Margin
		For the Three Months Ended March 31,
		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		$	210,047			$	1,861				3.60	%		$	238,048			$	2,768				4.72	%
Debt securities, taxable-equivalent			43,564				250				2.33				48,637				283				2.36
Debt securities, tax exempt			11,052				59				2.17				12,514				63				2.04
Loans held for sale			1,983				-				-				580				-				-
Total loans(1)			1,596,201				31,613				8.03				1,398,350				27,324				7.92
Total interest-earning assets			1,862,847				33,783				7.35				1,698,129				30,438				7.27
Noninterest-earning assets			41,295												39,957
Total assets		$	1,904,142											$	1,738,086
Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts		$	1,058,572			$	7,223				2.77	%		$	956,891			$	7,118				3.02	%
Time deposits			264,608				2,368				3.63				236,325				2,482				4.26
Total interest-bearing deposits			1,323,180				9,591				2.94				1,193,216				9,600				3.62
Total interest-bearing liabilities		$	1,323,180				9,591				2.94			$	1,193,216				9,600				3.62
Noninterest-bearing liabilities:
Noninterest-bearing deposits		$	315,426											$	316,544
Other noninterest-bearing liabilities			9,515												9,983
Total noninterest-bearing liabilities			324,941												326,527
Shareholders' equity			256,021												218,343
Total liabilities and shareholders' equity		$	1,904,142											$	1,738,086
Net interest income						$	24,192											$	20,838
Net interest spread											4.41	%											4.01	%
Net interest margin											5.27	%											4.98	%

(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 Tuesday, April 14, 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/5Kz4qdQLXjl. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/5Kz4qdQLXjl 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

Exhibit 99.2

 Q1 2026  Earnings Release  BSVN  April 14, 2026 

 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  Abundant liquidity and a properly matched balance sheet  Disciplined credit culture that adheres to our comprehensive risk management practices  High level of capital provides comfort and flexibility  EPS: Strong performance not driven by share buybacks  Dividend Payout Ratio: 21.6%, which is lower than the average 34% pay out ratio for dividend-paying banks(4)  Shareholder alignment due to 55% insider ownership  Dollars in thousands, except per share data. All data as of March 31, 2026, unless indicated otherwise  Pre-provision pre-tax earnings (“PPE”) and net interest margin excluding loan fees are non-GAAP financial measures. See appendix for reconciliation to their most comparable GAAP measure  Adjusted core are non-GAAP financial measures. See appendix for reconciliation to their most comparable GAAP measures  See slide 6 for the corresponding comparison between BSVN and peer group  Exchange-traded banks nationwide; Source: S&P Global Market Intelligence. As of Q4 2025, the latest data available 

 Q1 Overview  Excellent Asset Quality  Dollars in thousands except per share data. All data as of March 31, 2026, unless indicated otherwise  A non-GAAP measurement that excludes oil and gas non-interest expense of $569 and oil and gas revenues of $917  See slide 10 for adjusted uninsured deposit calculation  Record EPS: $1.25; driven by core earnings (no share repurchases)  Record PPE: $15.82 million  ROAA: 2.56%  ROATCE: 19.95%; achieved while maintaining all-time high capital levels  NIM (excluding loan fee income): 4.60%  Efficiency Ratio: 39.64%; core bank efficiency ratio of 38.82%(1)  Exceptional Earnings & Profitability  Strong earnings, low dividend payout ratio, no debt, no HTM securities  Significantly higher than the regulatory “well capitalized” thresholds  RBC: 15.96%  CET1: 14.78%  Tier 1 Leverage: 13.24%  TCE/TA: 12.81%  Prudent Capital Management  Cash + unpledged securities + undrawn credit: $805.58 million (2.42x coverage of $332.28 million(2) adjusted uninsured deposits)  Loans repricing in ≤1 year: $1.47 billion (91.78%), with $0.99 billion (61.92%) repricing daily   Real-time Yield on Loans: 6.91%  Real-time Cost of Funds: 2.27%  Consistent Balance Sheet Management  Tenured team of commercial bankers in dynamic markets  NCO: -1bps (Net recoveries of $0.05 million)  NPAs/TL: 0.58%  ACL/NPLs: 209.75%  ACL/TL: 1.22% 

 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 March 31, 2025 and March 31, 2026  Pre-provision, pre-tax earnings (“PPE”) is a non-GAAP financial measure. See appendix for reconciliation to its most comparable GAAP measure  Record PPE was driven by:  Disciplined loan pricing  Consistent NIM  Expense controls  Strong loan fee income  We achieve maximum productivity by:  Having fewer but higher quality bankers  Operating an efficient delivery system with a strict adherence to process 

 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 and as of or for the three months ended March 31, 2025 and March 31, 2026  Performance ratios remain top-tier and within our historical ranges  8.60% 

 Diluted Earnings Per Share  Tangible Book Value Per Share(1)  CAGR since 2018: 16.7%   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 dividing “Total tangible shareholders’ equity” by “Shares outstanding”. See appendix for reconciliation to its most comparable GAAP measure  Consistently strong earnings increased TBV despite three factors:  $0.85 per share paid for an all-cash acquisition in Q4 2021  $0.28 per share AOCI unrealized loss from investments  Paid ~20% of earnings as cash dividends since IPO ($4.86 per share) 

 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 Q4 2025, the latest data available.  

    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 3/31/2026  Total shareholder return includes the reinvestment of dividends  Tangible book value per share is a non-GAAP financial measures. See appendix for reconciliation to its most comparable GAAP measure  Public banks include all major exchange-traded banks nationwide (292 banks)  Total Shareholder Return Since BSVN’s IPO (9/2018)  BSVN’s TBVPS(1) Since FYE 2018  (1)  Median: 39.7%  Public Banks Median CAGR: 6.7%(1)  BSVN  Public Banks Median  $100 invested in BSVN since IPO would be worth $256.14 now  $100 invested in an index of all public banks since BSVN’s IPO would be worth $139.65 now  116.5% Outperformance  BSVN: 156.1% 

 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 March 31, 2025 and March 31, 2026  Net interest margin (excluding loan fee income) is a non-GAAP financial measure, see Appendix for reconciliation to the most comparable GAAP measure for this metric  ◼︎ Loan Fee Income Contribution  Net interest margin remains within our historical range, and is driven by disciplined loan pricing that is funded by a broad and deep funding base  Q1 NIM benefited from accelerated fee recognition tied to early payoffs and the recognition of non-accrual interest previously collected 

 We Achieve a Steady Spread thru Various Rate Cycles  Financial data calculated using annual averages  Excluding loan fee income 

 Asset Sensitivity Repricing and Liquidity  Dollars in thousands, all data as of March 31, 2026, unless indicated otherwise  $0.99 billion of gross loans reprice daily  Asset Sensitivity Repricing Schedule  (1)  Uninsured deposits total $405.75 million (24.28% of total). Adjusted for insider and collateralized deposits, uninsured deposits are $332.28 million (19.88% of total)  With $805.58 million in cash, securities, and undrawn lines of credit, we have 2.42x coverage of adjusted uninsured deposits  Uninsured Deposits | Cash/Liquidity  Liquidity 

 Deposit Composition  Deposit Composition  CAGR since 2021: 7.7%  Dollars in millions, all data as of March 31, 2026, unless indicated otherwise 

 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: 10.8%  (1) 

 Loan Portfolio Distribution  Dollars are in millions. Data as of March 31, 2026  Loan Portfolio  Selected Categories 

 Diverse CRE Portfolio with Very Low Historical Losses  Dollars are in millions. Data as of March 31, 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  Construction lending activity primarily in Oklahoma City and the Dallas metroplex with an emphasis on entry level homes with established homebuilders  Limited lot and development lending activity  Hospitality niche managed by seasoned professionals with proven track record through various economic cycles   CONSTRUCTION  OWNER OCCUPIED 

 Hotel Portfolio by Class  Hotel Portfolio by Location  Hospitality Loan Portfolio – A Source of Strength  Dollars are in millions. Data as of March 31, 2026  Blue collar portfolio that is well-protected by the “cycle-down” effect of a recession   Geographically concentrated in TX (77%) and other markets with favorable economic conditions  Loans personally guaranteed by experienced owner/operators with operating history spanning decades of economic cycles  Diversified lending to many reputable brands  Consistent underwriting fundamentals with disciplined equity requirements, debt coverage ratio requirements, personal recourse, and rapid amortization  Average loan size of $5.71 million  Average LTV of 58%  3.56%  Actual  Hotel Portfolio by Location 

 Total Assets  Strategic Growth in Dynamic Markets  Dollars are in millions  2014   2015  2016  2017  2018  2019  2020  2021  2022  2023  2024  2025  Q1 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 branch opened in Irving, TX  LPO opened in  Irving, TX  Kansas acquisition  CAGR Since 2014: 13.2%   Oklahoma mortgage acquisition 

 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 projection or forward-looking guidance of any kind  DFAST = Dodd-Frank Act Stress Test  Excess capital to target ratio expressed in % is the difference between the actual ratio and regulatory minimum divided by the regulatory minimum  Excess capital to target ratio expressed in $ is the excess capital % multiplied by either average assets or risk-weighted assets, assuming a static balance sheet over the next 24 months   Trailing twelve months PPE of $59.6 million extrapolated over two years 

 Appendix 

 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 reconciliation to most comparable GAAP measure for this metric 

 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 comparable GAAP measure for this metric  Ratios are based on Bank level financial information rather than consolidated information. At March 31, 2026, Tier 1 leverage ratio, Tier 1 risk based capital ratio, and total risk-based capital ratios were 13.24%, 14.78%, and 15.96% respectively for the Company 

 Non-GAAP Reconciliations 

 Non-GAAP Reconciliations -- Continued 

 Oil & Gas Asset Recap  Cash Flow Recap  GAAP Results  Dollars in thousands  Includes depletion expense of $303, $472 and $677 for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively  (1) 

 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 $52.1 million as of March 31, 2026  Weighted Average Duration: 3.6 Years  Book Yield: 2.38% 

 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 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 direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. 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. 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.     Within this presentation, we reference certain market, industry and demographic data, forecasts and other statistical information. We have obtained this data, forecasts and information from various independent, third party industry sources and publications. Nothing in the data, forecasts or information used or derived from third party sources should be construed as advice. Some data and other information are also based on our good faith estimates, which are derived from our review of industry publications and surveys and independent sources. We believe that these sources and estimates are reliable, but have not independently verified them. Statements as to our market position are based on market data currently available to us. Although we are not aware of any misstatements regarding the economic, employment, industry and other market data presented herein, these estimates involve inherent risks and uncertainties and are based on assumptions that are subject to change.     This presentation includes certain non-GAAP financial measures. These non-GAAP financial should not be considered in isolation, and should be considered as additions to, and not substitutes for or superior to, measures of financial performance prepared in accordance with GAAP. There are a number of limitations related to the use of these non-GAAP financial measures versus their nearest GAAP equivalents. For example, other companies may calculate non-GAAP financial measures differently or may use other measures to evaluate their performance, all of which could reduce the usefulness of Bank7 Corp.’s non-GAAP financial measures as tools for comparison. See the table in the appendix of this presentation for a reconciliation of the non-GAAP financial measures used in (or conveyed orally during) this presentation to their most directly comparable GAAP financial measures. 

FAQ

How did Bank7 Corp (BSVN) perform financially in Q1 2026?

Bank7 Corp posted strong Q1 2026 results, with net income of $12.0 million versus $10.3 million a year earlier and diluted EPS of $1.25. Net interest income increased to $24.2 million, supporting record pre-provision pre-tax earnings of $15.8 million and robust profitability metrics.

What were Bank7 Corp’s key profitability ratios in Q1 2026?

Profitability was notably strong in Q1 2026. The company reported ROAA of 2.56% and ROATCE of 19.95%, alongside a net interest margin of 5.27%. These figures reflect efficient operations, strong loan yields and controlled funding costs during the quarter.

How strong are Bank7 Corp’s capital ratios as of March 31, 2026?

Bank7 Corp’s capital ratios were well above regulatory minimums. On March 31, 2026, the Bank’s Tier 1 leverage ratio was 13.24%, Tier 1 risk-based capital ratio 14.79%, and total risk-based capital ratio 15.96%, comfortably exceeding “well-capitalized” thresholds.

What does Bank7 Corp’s Q1 2026 net interest margin indicate?

The Q1 2026 net interest margin remained very healthy. Net interest margin reached 5.27%, up from 4.98% in Q1 2025. This reflects disciplined loan pricing and a favorable funding mix, helping support record earnings despite competitive deposit costs.

How did Bank7 Corp’s balance sheet change by March 31, 2026?

Bank7 Corp maintained a solid, slightly smaller balance sheet. Total assets were $1.95 billion, down modestly from $1.96 billion at year-end 2025, while total deposits were $1.67 billion. Shareholders’ equity increased to $259.8 million, reflecting retained earnings growth.

What liquidity position did Bank7 Corp highlight for Q1 2026?

The company emphasized substantial available liquidity. Cash, unpledged securities and undrawn credit lines totaled $805.58 million, covering adjusted uninsured deposits 2.42 times. This liquidity buffer supports funding stability and flexibility for future lending or strategic opportunities.

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