Bank7 Q3 2026 earnings fall to $10.2M; EPS $1.06
Regulatory and Century Financial shareholder approvals are in hand; closing is expected November 1, 2026, with EPS accretion projected at 25%+.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Form Type
8-K
Rhea-AI Filing Summary
Bank7 Corp. (BSVN) reported third-quarter 2026 net income of $10.203 million, compared with $10.844 million in the year-earlier quarter, and diluted earnings per share of $1.06 versus $1.13. Net interest income was $22.301 million versus $23.026 million, while net interest margin was 4.77% versus 5.07%. Pre-provision pre-tax earnings, a non-GAAP measure, were $13.620 million, compared with $11.015 million in Q2 2026.
At September 30, 2026, total assets were $2,007.0 million, deposits were $1,721.1 million, and loans net of allowance for credit losses were $1,613.5 million. The company's Tier 1 leverage, Tier 1 risk-based capital, and total risk-based capital ratios were 14.12%, 15.17%, and 16.30%, respectively.
Bank7 said regulatory approval and Century Financial shareholder approval were in hand for its acquisition of Century Financial, expected to close November 1, 2026. The announced transaction was approximately $137 million and is expected to add roughly $1.2 billion of legacy deposits; the combined organization was projected at approximately $3.3 billion in assets, with EPS accretion projected at 25%+.
2 points · 1 major0 major · 1 point
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Hollow bars mark forward-looking points. How the balance works
Positive
- Major point. Forward-looking: it has not happened yet and may not happen.Century acquisition projected EPS accretion is 25%+.
- Moderate pointPre-provision pre-tax earnings were $13.620 million, versus $11.015 million in Q2 2026.
Negative
- Moderate pointNet income was $10.203 million, compared with $10.844 million a year earlier.
Filing Explained
Bank7 reports
8-K Event Classification
2 items: 2.02, 9.01
2 items
Item 2.02
Results of Operations and Financial Condition
Financial
Disclosure of earnings results, typically an earnings press release or preliminary financials.
Item 9.01
Financial Statements and Exhibits
Exhibits
Financial statements, pro forma financial information, or exhibit attachments filed with this report.
Key Figures
Net income: $10.203 million
Diluted earnings per share: $1.06
Pre-provision pre-tax earnings: $13.620 million
+5 more
8 metrics
Net income
$10.203 million
Three months ended September 30, 2026; $10.844 million in the year-earlier quarter
Diluted earnings per share
$1.06
Three months ended September 30, 2026; $1.13 in the year-earlier quarter
Pre-provision pre-tax earnings
$13.620 million
Three months ended September 30, 2026; $11.015 million in Q2 2026; non-GAAP measure
Net interest margin
4.77%
Three months ended September 30, 2026; 5.07% in the year-earlier quarter
Total assets
$2,007.0 million
As of September 30, 2026
Total deposits
$1,721.1 million
As of September 30, 2026
Century Financial acquisition amount
Approximately $137 million
Announced acquisition
Projected EPS accretion
25%+
Century Financial acquisition
Key Terms
Pre-provision pre-tax earnings, Net interest margin, Tier 1 risk-based capital ratio, Available-for-sale debt securities
4 terms
Pre-provision pre-tax earnings financial
"Calculation of 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"
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 risk-based capital ratio financial
"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.
Available-for-sale debt securities financial
"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.
Earnings Snapshot
Net income: $10.203 million
Three months ended September 30, 2026
Net income
$10.203 million
Compared with $10.844 million in the three months ended September 30, 2025
Diluted earnings per share
$1.06
Compared with $1.13 in the three months ended September 30, 2025
Net interest margin
4.77%
Compared with 5.07% in the three months ended September 30, 2025
Pre-provision pre-tax earnings
$13.620 million
Compared with $11.015 million in the three months ended June 30, 2026; non-GAAP measure
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What were BSVN's Q3 2026 earnings?
Bank7 reported net income of $10.203 million and diluted earnings per share of $1.06 for the quarter ended September 30, 2026. Net income was $10.844 million and diluted earnings per share was $1.13 in the year-earlier quarter.
When is BSVN's Century Financial acquisition expected to close, and what are its projected terms?
Bank7 expected the acquisition to close on November 1, 2026, with regulatory approval and Century Financial shareholder approval in hand. The announced transaction was approximately $137 million, adding roughly $1.2 billion of legacy deposits; the combined organization was projected at approximately $3.3 billion in assets, with EPS accretion projected at 25%+.
AI-generated analysis. How Rhea-AI works. Not financial advice.
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)
(Exact name of registrant as specified in its charter)
|
|
|
|
|
(State or other jurisdiction of incorporation)
|
(Commission File Number)
|
(IRS Employer Identification No.)
|
(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
|
|
|
|
|
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
|
On October 15, 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 September 30, 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 October 15, 2026 at 9:00 am CST to discuss its third 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 October 15, 2026
|
|
|
99.2
|
Third 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: October 15, 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 Q3
2026 Earnings
Oklahoma City, October 15, 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 September 30, 2026. “We are pleased with another quarter of strong core results, including growth in the
loan book despite significant payoffs, while also maintaining a healthy pipeline of new loans. The Company continues to benefit from high capital levels, robust liquidity, a strong net interest margin, and excellent credit quality, supported by our
properly matched balance sheet and our position in dynamic markets. Regarding the Century merger, we are pleased to report that in addition to receiving all regulatory approvals, the Century Financial shareholders have approved the merger, which is
expected to close on November 1, 2026. The merger will extend the franchise into New Mexico and will allow the Company’s proven model to leverage Century’s core deposits to provide a highly accretive impact on earnings,” said Thomas L. Travis,
President and CEO of the Company.
For the three months ended September 30, 2026 compared to the three months ended June 30, 2026:
| - |
Net income of $10.20 million compared to $8.35 million, an increase of 22.25%
|
| - |
Earnings per share of $1.06 compared to $0.87, an increase of 21.84%
|
| - |
Total assets of $2.01 billion compared to $1.91 billion, an increase of 4.84%
|
| - |
Total loans of $1.63 billion compared to $1.60 billion, an increase of 2.22%
|
| - |
Pre-provision pre-tax earnings of $13.62 million compared to $11.02 million, an increase of 23.65%
|
| - |
Total interest income of $31.93 million compared to $30.93 million, an increase of 3.25%
|
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 September 30, 2026, the Bank’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 14.12%, 15.18%, and 16.31%, respectively. On September 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 14.12%, 15.17%, and 16.30%, 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
|
||||||||
|
September 30,
2026
|
June 30,
2026
|
|||||||
|
Calculation of Pre-Provision Pre-Tax Earnings
|
(Dollars in thousands)
|
|||||||
|
Net Income
|
$
|
10,203
|
$
|
8,346
|
||||
|
Income Tax Expense
|
3,412
|
2,669
|
||||||
|
Pre-tax net income
|
13,615
|
11,015
|
||||||
|
Add back: Provision for credit losses
|
-
|
-
|
||||||
|
Add back: (Gain)Loss on sales/calls of AFS debt securities
|
5
|
-
|
||||||
|
Pre-provision pre-tax earnings
|
$
|
13,620
|
$
|
11,015
|
||||
Unaudited Condensed Consolidated Balance Sheets
(Dollar amounts in thousands, except par value)
|
Assets
|
September 30,
2026 (unaudited) |
December 31,
2025
|
||||||
|
(Dollars in thousands)
|
||||||||
|
Cash and due from banks
|
$
|
277,176
|
$
|
244,635
|
||||
|
Interest-bearing time deposits in other banks
|
-
|
10,457
|
||||||
|
Available-for-sale debt securities (amortized cost of $51,714 and $57,316 at September 30,2026
and December 31, 2025, respectively)
|
47,539
|
54,019
|
||||||
|
Loans, net of allowance for credit losses of $19,367 and $19,407 at September 30, 2026 and
December 31, 2025, respectively
|
1,613,521
|
1,587,024
|
||||||
|
Loans held for sale
|
2,677
|
2,078
|
||||||
|
Premises and equipment, net
|
27,131
|
21,884
|
||||||
|
Nonmarketable equity securities
|
1,376
|
1,165
|
||||||
|
Core deposit intangibles
|
658
|
752
|
||||||
|
Goodwill
|
11,208
|
11,208
|
||||||
|
Interest receivable and other assets
|
25,700
|
30,418
|
||||||
|
|
||||||||
|
Total assets
|
$
|
2,006,986
|
$
|
1,963,640
|
||||
|
|
||||||||
|
Liabilities and Shareholders’ Equity
|
||||||||
|
|
||||||||
|
Deposits
|
||||||||
|
Noninterest-bearing
|
$
|
328,111
|
$
|
341,416
|
||||
|
Interest-bearing
|
1,392,947
|
1,359,417
|
||||||
|
|
||||||||
|
Total deposits
|
1,721,058
|
1,700,833
|
||||||
|
|
||||||||
|
Income taxes payable
|
139
|
594
|
||||||
|
Interest payable and other liabilities
|
12,064
|
11,218
|
||||||
|
|
||||||||
|
Total liabilities
|
1,733,261
|
1,712,645
|
||||||
|
|
||||||||
|
Shareholders’ equity
|
||||||||
|
Common stock, $0.01 par value; 50,000,000 shares authorized; shares
issued and outstanding: 9,525,856 and 9,462,656 at September 30, 2026 and December 31, 2025, respectively
|
95
|
95
|
||||||
|
Additional paid-in capital
|
104,575
|
103,739
|
||||||
|
Retained earnings
|
172,264
|
149,707
|
||||||
|
Accumulated other comprehensive loss
|
(3,209
|
)
|
(2,546
|
)
|
||||
|
|
||||||||
|
Total shareholders’ equity
|
273,725
|
250,995
|
||||||
|
|
||||||||
|
Total liabilities and shareholders’ equity
|
$
|
2,006,986
|
$
|
1,963,640
|
||||
Unaudited Condensed Consolidated Statements of Comprehensive Income
(Dollar amounts in thousands, except per share data)
|
|
Three Months Ended
|
Nine Months Ended
|
||||||||||||||
|
|
September 30,
|
September 30,
|
||||||||||||||
|
|
2026
(unaudited) |
2025
(unaudited) |
2026
(unaudited) |
2025
(unaudited) |
||||||||||||
|
Interest Income
|
(Dollars in thousands)
|
|||||||||||||||
|
Loans, including fees
|
$
|
29,513
|
$
|
30,914
|
$
|
90,105
|
$
|
87,207
|
||||||||
|
Interest-bearing time deposits in other banks
|
9
|
160
|
160
|
406
|
||||||||||||
|
Debt securities, taxable
|
243
|
266
|
742
|
827
|
||||||||||||
|
Debt securities, tax-exempt
|
57
|
60
|
176
|
187
|
||||||||||||
|
Other interest and dividend income
|
2,110
|
2,317
|
5,460
|
7,315
|
||||||||||||
|
|
||||||||||||||||
|
Total interest income
|
31,932
|
33,717
|
96,643
|
95,942
|
||||||||||||
|
|
||||||||||||||||
|
Interest Expense
|
||||||||||||||||
|
Deposits
|
9,631
|
10,691
|
28,244
|
30,334
|
||||||||||||
|
|
||||||||||||||||
|
Total interest expense
|
9,631
|
10,691
|
28,244
|
30,334
|
||||||||||||
|
|
||||||||||||||||
|
Net Interest Income
|
22,301
|
23,026
|
68,399
|
65,608
|
||||||||||||
|
|
||||||||||||||||
|
Provision for Credit Losses
|
-
|
700
|
-
|
700
|
||||||||||||
|
|
||||||||||||||||
|
Net Interest Income After Provision for Credit Losses
|
22,301
|
22,326
|
68,399
|
64,908
|
||||||||||||
|
|
||||||||||||||||
|
Noninterest Income
|
||||||||||||||||
|
Mortgage lending income
|
492
|
391
|
1,343
|
1,000
|
||||||||||||
|
Loss on sales, prepayments, and calls of available-for-sale debt securities
|
(5
|
)
|
(10
|
)
|
(5
|
)
|
(10
|
)
|
||||||||
|
Service charges on deposit accounts
|
235
|
248
|
699
|
697
|
||||||||||||
|
Other
|
347
|
1,581
|
2,000
|
4,976
|
||||||||||||
|
|
||||||||||||||||
|
Total noninterest income
|
1,069
|
2,210
|
4,037
|
6,663
|
||||||||||||
|
|
||||||||||||||||
|
Noninterest Expense
|
||||||||||||||||
|
Salaries and employee benefits
|
5,740
|
5,829
|
18,267
|
16,829
|
||||||||||||
|
Furniture and equipment
|
362
|
342
|
1,126
|
954
|
||||||||||||
|
Occupancy
|
659
|
668
|
2,069
|
1,890
|
||||||||||||
|
Data and item processing
|
562
|
515
|
1,650
|
1,615
|
||||||||||||
|
Accounting, marketing and legal fees
|
902
|
221
|
1,924
|
484
|
||||||||||||
|
Regulatory assessments
|
259
|
248
|
777
|
545
|
||||||||||||
|
Advertising and public relations
|
171
|
212
|
441
|
629
|
||||||||||||
|
Travel, lodging and entertainment
|
185
|
112
|
359
|
289
|
||||||||||||
|
Other
|
915
|
2,203
|
5,372
|
5,729
|
||||||||||||
|
|
||||||||||||||||
|
Total noninterest expense
|
9,755
|
10,350
|
31,985
|
28,964
|
||||||||||||
|
|
||||||||||||||||
|
Income Before Taxes
|
13,615
|
14,186
|
40,451
|
42,607
|
||||||||||||
|
Income tax expense
|
3,412
|
3,342
|
9,896
|
10,322
|
||||||||||||
|
Net Income
|
$
|
10,203
|
$
|
10,844
|
$
|
30,555
|
$
|
32,285
|
||||||||
|
|
||||||||||||||||
|
Earnings per common share - basic
|
$
|
1.07
|
$
|
1.15
|
$
|
3.21
|
$
|
3.42
|
||||||||
|
Earnings per common share - diluted
|
1.06
|
1.13
|
3.18
|
3.38
|
||||||||||||
|
Weighted average common shares outstanding - basic
|
9,524,105
|
9,450,984
|
9,511,608
|
9,440,655
|
||||||||||||
|
Weighted average common shares outstanding - diluted
|
9,639,992
|
9,597,914
|
9,615,649
|
9,565,726
|
||||||||||||
|
|
||||||||||||||||
|
Other Comprehensive (Loss) Income
|
||||||||||||||||
|
Unrealized (losses) gains on securities, net of tax (benefit) expense of ($209) and $223 for the three months ended September 30,
2026 and 2025, respectively; net of tax (benefit) expense of ($214) and $642 for the nine months ended September 30, 2026 and 2025, respectively
|
$
|
(640
|
)
|
$
|
713
|
$
|
(667
|
)
|
$
|
1,942
|
||||||
|
Reclassification adjustment for realized losses included in net income net of tax of $1 and $2 for the three months ended September
30, 2026 and 2025, respectively; $1 and $2 for the nine months ended September 30, 2026 and 2025, respectively
|
4
|
8
|
4
|
8
|
||||||||||||
|
Other comprehensive (loss) income
|
$
|
(636
|
)
|
$
|
721
|
$
|
(663
|
)
|
$
|
1,950
|
||||||
|
Comprehensive Income
|
$
|
9,567
|
$
|
11,565
|
$
|
29,892
|
$
|
34,235
|
||||||||
|
|
||||||||||||||||
|
Net Interest Margin
|
||||||||||||||||||||||||
|
For the Three Months Ended September 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
|
$
|
234,057
|
$
|
2,119
|
3.59
|
%
|
$
|
228,755
|
$
|
2,477
|
4.30
|
%
|
||||||||||||
|
Debt securities, taxable
|
40,889
|
243
|
2.36
|
45,853
|
266
|
2.30
|
||||||||||||||||||
|
Debt securities, tax exempt
|
10,695
|
57
|
2.11
|
11,972
|
60
|
1.99
|
||||||||||||||||||
|
Loans held for sale
|
3,519
|
33
|
3.72
|
1,780
|
-
|
-
|
||||||||||||||||||
|
Total loans(1)
|
1,566,740
|
29,480
|
7.46
|
1,512,147
|
30,914
|
8.11
|
||||||||||||||||||
|
Total interest-earning assets
|
1,855,900
|
31,932
|
6.83
|
1,800,507
|
33,717
|
7.43
|
||||||||||||||||||
|
Noninterest-earning assets
|
40,508
|
42,578
|
||||||||||||||||||||||
|
Total assets
|
$
|
1,896,408
|
$
|
1,843,085
|
||||||||||||||||||||
|
|
||||||||||||||||||||||||
|
Funding sources:
|
||||||||||||||||||||||||
|
Interest-bearing liabilities:
|
||||||||||||||||||||||||
|
Deposits:
|
||||||||||||||||||||||||
|
Transaction accounts
|
$
|
1,012,427
|
$
|
7,015
|
2.75
|
%
|
$
|
1,040,322
|
$
|
8,388
|
3.20
|
%
|
||||||||||||
|
Time deposits
|
292,564
|
2,616
|
3.55
|
233,433
|
2,303
|
3.91
|
||||||||||||||||||
|
Total interest-bearing deposits
|
1,304,991
|
9,631
|
2.93
|
1,273,755
|
10,691
|
3.33
|
||||||||||||||||||
|
Total interest-bearing liabilities
|
$
|
1,304,991
|
9,631
|
2.93
|
$
|
1,273,755
|
10,691
|
3.33
|
||||||||||||||||
|
|
||||||||||||||||||||||||
|
Noninterest-bearing liabilities:
|
||||||||||||||||||||||||
|
Noninterest-bearing deposits
|
$
|
308,711
|
$
|
320,238
|
||||||||||||||||||||
|
Other noninterest-bearing liabilities
|
11,377
|
11,501
|
||||||||||||||||||||||
|
Total noninterest-bearing liabilities
|
320,088
|
331,739
|
||||||||||||||||||||||
|
Shareholders' equity
|
271,329
|
237,591
|
||||||||||||||||||||||
|
Total liabilities and shareholders' equity
|
$
|
1,896,408
|
$
|
1,843,085
|
||||||||||||||||||||
|
|
||||||||||||||||||||||||
|
Net interest income
|
$
|
22,301
|
$
|
23,026
|
||||||||||||||||||||
|
Net interest spread
|
3.90
|
%
|
4.10
|
%
|
||||||||||||||||||||
|
Net interest margin
|
4.77
|
%
|
5.07
|
%
|
||||||||||||||||||||
|
(1)
|
Nonaccrual loans are included in total loans
|
|
|
Net Interest Margin
|
|||||||||||||||||||||||
|
|
For the Nine Months Ended September 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
|
$
|
209,553
|
$
|
5,620
|
3.59
|
%
|
$
|
238,118
|
$
|
7,721
|
4.34
|
%
|
||||||||||||
|
Debt securities, taxable
|
42,196
|
742
|
2.35
|
47,248
|
827
|
2.34
|
||||||||||||||||||
|
Debt securities, tax exempt
|
10,906
|
176
|
2.16
|
12,327
|
187
|
2.03
|
||||||||||||||||||
|
Loans held for sale
|
2,506
|
93
|
4.96
|
1,453
|
-
|
-
|
||||||||||||||||||
|
Total loans(1)
|
1,583,699
|
90,012
|
7.60
|
1,453,557
|
87,207
|
8.02
|
||||||||||||||||||
|
Total interest-earning assets
|
1,848,860
|
96,643
|
6.99
|
1,752,703
|
95,942
|
7.32
|
||||||||||||||||||
|
Noninterest-earning assets
|
39,059
|
41,871
|
||||||||||||||||||||||
|
Total assets
|
$
|
1,887,919
|
$
|
1,794,574
|
||||||||||||||||||||
|
|
||||||||||||||||||||||||
|
Funding sources:
|
||||||||||||||||||||||||
|
Interest-bearing liabilities:
|
||||||||||||||||||||||||
|
Deposits:
|
||||||||||||||||||||||||
|
Transaction accounts
|
$
|
1,024,563
|
$
|
20,958
|
2.73
|
%
|
$
|
1,001,583
|
$
|
23,182
|
3.09
|
%
|
||||||||||||
|
Time deposits
|
273,187
|
7,286
|
3.57
|
235,278
|
7,152
|
4.06
|
||||||||||||||||||
|
Total interest-bearing deposits
|
1,297,750
|
28,244
|
2.91
|
1,236,861
|
30,334
|
3.28
|
||||||||||||||||||
|
Total interest-bearing liabilities
|
$
|
1,297,750
|
$
|
28,244
|
2.91
|
$
|
1,236,861
|
$
|
30,334
|
3.28
|
||||||||||||||
|
|
||||||||||||||||||||||||
|
Noninterest-bearing liabilities:
|
||||||||||||||||||||||||
|
Noninterest-bearing deposits
|
$
|
316,459
|
$
|
319,346
|
||||||||||||||||||||
|
Other noninterest-bearing liabilities
|
10,023
|
10,657
|
||||||||||||||||||||||
|
Total noninterest-bearing liabilities
|
326,482
|
330,003
|
||||||||||||||||||||||
|
Shareholders' equity
|
263,687
|
227,710
|
||||||||||||||||||||||
|
Total liabilities and shareholders' equity
|
$
|
1,887,919
|
$
|
1,794,574
|
||||||||||||||||||||
|
|
||||||||||||||||||||||||
|
Net interest income
|
$
|
68,399
|
$
|
65,608
|
||||||||||||||||||||
|
Net interest spread
|
4.08
|
%
|
4.04
|
%
|
||||||||||||||||||||
|
Net interest margin
|
4.95
|
%
|
5.00
|
%
|
||||||||||||||||||||
|
(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 third quarter results, which will be broadcast live over the Internet, on Thursday, October 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/zy8DdJzd536. For those
not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/zy8DdJzd536 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 timing of the closing of the acquisition of Century Financial
Services Corporation; 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.
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
