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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)
 
October 15, 2025



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 October 15, 2025, 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, 2025.  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, 2025 at 9:00 am CST to discuss its third quarter 2025 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
       
   
Press Release dated October 15, 2025
   
Third Quarter 2025 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, 2025
By:
/s/   Kelly J. Harris
   
Kelly J. Harris
   
Executive Vice President and Chief Financial Officer



EX-99.1 2 ef20057123_ex99-1.htm EXHIBIT 99.1
Exhibit 99.1


FOR IMMEDIATE RELEASE: Bank7 Corp. Announces Q3 2025 Earnings

Oklahoma City, October 15, 2025 – 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, 2025.  “We are delighted to announce another solid quarter, evidenced by strong PPE from our properly matched balance sheet and a resilient core net interest margin. Our robust capital ratios, exceptional liquidity, and location in dynamic geographical markets positions us for sustained growth in 2025,” said Thomas L. Travis, President and CEO of the Company.

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

 
-
Net income of $10.8 million compared to $11.1 million, a decrease of 2.35%
 
-
Earnings per share of $1.13 compared to $1.16, a decrease of 2.59%
 
-
Total assets of $1.9 billion compared to $1.8 billion, an increase of 3.00%
 
-
Total loans of $1.5 billion compared to $1.5 billion, an increase of 2.46%
 
-
Pre-provision pre-tax earnings (“PPE”) of $14.9 million compared to $14.7 million, an increase of 1.29%
 
-
Total interest income of $33.7 million compared to $31.8 million, an increase of 6.09%

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, 2025, the Bank’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 12.71%, 14.23%, and 15.44%, respectively.  On September 30, 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 12.71%, 14.22%, and 15.43%, 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,
2025
   
June 30,
2025
 
Calculation of Pre-Provision Pre-Tax Earnings (“PPE”)
 
(Dollars in thousands)
 
Net Income
 
$
10,844
   
$
11,105
 
Income Tax Expense
   
3,342
     
3,602
 
Pre-tax net income
   
14,186
     
14,707
 
Add back: Provision for credit losses
   
700
     
-
 
Add back: (Gain)Loss on sales/calls of AFS debt securities
   
10
     
-
 
Pre-provision pre-tax earnings
 
$
14,896
   
$
14,707
 


Unaudited Condensed Consolidated Balance Sheets
(Dollar amounts in thousands, except par value)
 
Assets
 
September 30, 2025
(unaudited)
   
December 31, 2024
 
 
 
(Dollars in thousands)
 
Cash and due from banks
 
$
241,768
   
$
234,196
 
Interest-bearing time deposits in other banks
   
14,935
     
6,719
 
Available-for-sale debt securities (amortized cost of $58,771 and
$66,445 at September 30, 2025 and December 31, 2024)
   
54,858
     
59,941
 
Loans, net of allowance for credit losses of $19,405 and $17,918 at September 30,
2025 and December 31, 2024, respectively
   
1,514,822
     
1,379,465
 
Loans held for sale
   
1,883
     
-
 
Premises and equipment, net
   
21,057
     
18,137
 
Nonmarketable equity securities
   
1,169
     
1,283
 
Core deposit intangibles
   
784
     
878
 
Goodwill
   
11,208
     
8,458
 
Interest receivable and other assets
   
28,951
     
30,731
 
 
               
Total assets
 
$
1,891,435
   
$
1,739,808
 
 
               
Liabilities and Shareholders’ Equity
               
 
               
Deposits
               
Noninterest-bearing
 
$
340,985
   
$
313,258
 
Interest-bearing
   
1,295,842
     
1,202,213
 
 
               
Total deposits
   
1,636,827
     
1,515,471
 
 
               
Income taxes payable
   
146
     
77
 
Interest payable and other liabilities
   
12,726
     
11,047
 
 
               
Total liabilities
   
1,649,699
     
1,526,595
 
 
               
Shareholders’ equity
               
Common stock, $0.01 par value; 50,000,000 shares authorized; shares issued and outstanding: 9,451,979 and
9,390,211 at September 30, 2025and December 31, 2024, respectively
   
95
     
94
 
Additional paid-in capital
   
103,184
     
101,809
 
Retained earnings
   
141,478
     
116,281
 
Accumulated other comprehensive loss
   
(3,021
)
   
(4,971
)
 
               
Total shareholders’ equity
   
241,736
     
213,213
 
 
               
Total liabilities and shareholders’ equity
 
$
1,891,435
   
$
1,739,808
 


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,
 
 
 
2025
(unaudited)
   
2024
(unaudited)
   
2025
(unaudited)
   
2024
(unaudited)
 
Interest Income
 
(Dollars in thousands)
 
Loans, including fees
 
$
30,914
   
$
30,791
   
$
87,207
   
$
89,834
 
Interest-bearing time deposits in other banks
   
160
     
177
     
406
     
675
 
Debt securities, taxable
   
266
     
303
     
827
     
2,266
 
Debt securities, tax-exempt
   
60
     
69
     
187
     
214
 
Other interest and dividend income
   
2,317
     
2,148
     
7,315
     
6,221
 
 
                               
Total interest income
   
33,717
     
33,488
     
95,942
     
99,210
 
 
                               
Interest Expense
                               
Deposits
   
10,691
     
12,271
     
30,334
     
34,752
 
 
                               
Total interest expense
   
10,691
     
12,271
     
30,334
     
34,752
 
 
                               
Net Interest Income
   
23,026
     
21,217
     
65,608
     
64,458
 
 
                               
Provision for Credit Losses
   
700
     
-
     
700
     
-
 
 
                               
Net Interest Income After Provision for Credit Losses
   
22,326
     
21,217
     
64,908
     
64,458
 
 
                               
Noninterest Income
                               
Mortgage lending income
   
391
     
103
     
1,000
     
233
 
Loss on sales, prepayments, and calls of available-for-sale debt securities
   
(10
)
   
(4
)
   
(10
)
   
(4
)
Service charges on deposit accounts
   
248
     
233
     
697
     
742
 
Other
   
1,581
     
3,345
     
4,976
     
7,881
 
 
                               
Total noninterest income
   
2,210
     
3,677
     
6,663
     
8,852
 
 
                               
Noninterest Expense
                               
Salaries and employee benefits
   
5,829
     
5,333
     
16,829
     
15,740
 
Furniture and equipment
   
342
     
258
     
954
     
813
 
Occupancy
   
668
     
711
     
1,890
     
1,985
 
Data and item processing
   
515
     
498
     
1,615
     
1,437
 
Accounting, marketing and legal fees
   
221
     
218
     
484
     
582
 
Regulatory assessments
   
248
     
261
     
545
     
984
 
Advertsing and public relations
   
212
     
129
     
629
     
358
 
Travel, lodging and entertainment
   
112
     
87
     
289
     
270
 
Other
   
2,203
     
1,903
     
5,729
     
5,507
 
 
                               
Total noninterest expense
   
10,350
     
9,398
     
28,964
     
27,676
 
 
                               
Income Before Taxes
   
14,186
     
15,496
     
42,607
     
45,634
 
Income tax expense
   
3,342
     
3,719
     
10,322
     
11,045
 
Net Income
 
$
10,844
   
$
11,777
   
$
32,285
   
$
34,589
 
 
                               
Earnings per common share - basic
 
$
1.15
   
$
1.26
   
$
3.42
   
$
3.73
 
Earnings per common share - diluted
   
1.13
     
1.24
     
3.38
     
3.68
 
Weighted average common shares outstanding - basic
   
9,450,984
     
9,323,622
     
9,440,655
     
9,264,616
 
Weighted average common shares outstanding - diluted
   
9,597,914
     
9,498,318
     
9,565,726
     
9,402,214
 
 
                               
Other Comprehensive Income
                               
Unrealized gains on securities, net of tax expense of $223 and $515 for the three months ended September 30, 2025 and 2024, respectively; net of tax expense of $406 and $638 for the nine months ended September 30, 2025 and 2024, respectively
 
$
713
   
$
1,628
   
$
1,942
   
$
2,025
 
Reclassification adjustment for realized losses included in net income net of tax of $2 and $1 for the three months ended September 30, 2025, and 2024, respectively; $2 and $1 for the nine months ended September 30, 2025 and 2024, respectively
   
8
     
3
     
8
     
3
 
Other comprehensive income
 
$
721
   
$
1,631
   
$
1,950
   
$
2,028
 
Comprehensive Income
 
$
11,565
   
$
13,408
   
$
34,235
   
$
36,617
 


 
 
Net Interest Margin
 
 
 
For the Three Months Ended September 30,
 
 
 
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
 
$
228,755
   
$
2,477
     
4.30
%
 
$
191,583
   
$
2,325
     
4.81
%
Debt securities, taxable-equivalent
   
45,853
     
266
     
2.30
     
51,172
     
303
     
2.35
 
Debt securities, tax exempt
   
11,972
     
60
     
1.99
     
16,889
     
69
     
1.62
 
Loans held for sale
   
1,780
     
-
     
-
     
250
     
-
     
-
 
Total loans(1)
   
1,512,147
     
30,914
     
8.11
     
1,418,512
     
30,791
     
8.61
 
Total interest-earning assets
   
1,800,507
     
33,717
     
7.43
     
1,678,406
     
33,488
     
7.92
 
Noninterest-earning assets
   
42,578
                     
40,002
                 
Total assets
 
$
1,843,085
                   
$
1,718,408
                 
 
                                               
Funding sources:
                                               
Interest-bearing liabilities:
                                               
Deposits:
                                               
Transaction accounts
 
$
1,040,322
   
$
8,388
     
3.20
%
 
$
922,117
   
$
9,237
     
3.97
%
Time deposits
   
233,433
     
2,303
     
3.91
     
253,640
     
3,034
     
4.75
 
Total interest-bearing deposits
   
1,273,755
     
10,691
     
3.33
     
1,175,757
     
12,271
     
4.14
 
Total interest-bearing liabilities
 
$
1,273,755
     
10,691
     
3.33
   
$
1,175,757
     
12,271
     
4.14
 
 
                                               
Noninterest-bearing liabilities:
                                               
Noninterest-bearing deposits
 
$
320,238
                   
$
332,487
                 
Other noninterest-bearing liabilities
   
11,501
                     
12,221
                 
Total noninterest-bearing liabilities
   
331,739
                     
344,708
                 
Shareholders’ equity
   
237,591
                     
197,943
                 
Total liabilities and shareholders’ equity
 
$
1,843,085
                   
$
1,718,408
                 
 
                                               
Net interest income
         
$
23,026
                   
$
21,217
         
Net interest spread
                   
4.10
%
                   
3.78
%
Net interest margin
                   
5.07
%
                   
5.02
%

(1)
Nonaccrual loans are included in total loans


 
 
Net Interest Margin
 
 
 
For the Nine Months Ended September 30,
 
 
 
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
 
$
238,118
   
$
7,721
     
4.34
%
 
$
180,426
   
$
6,896
     
5.09
%
Debt securities, taxable-equivalent
   
47,248
     
827
     
2.34
     
103,507
     
2,266
     
2.92
 
Debt securities, tax exempt
   
12,327
     
187
     
2.03
     
17,468
     
214
     
1.63
 
Loans held for sale
   
1,453
     
-
     
-
     
281
     
-
     
-
 
Total loans(1)
   
1,453,557
     
87,207
     
8.02
     
1,381,200
     
89,834
     
8.66
 
Total interest-earning assets
   
1,752,703
     
95,942
     
7.32
     
1,682,882
     
99,210
     
7.85
 
Noninterest-earning assets
   
41,871
                     
39,499
                 
Total assets
 
$
1,794,574
                   
$
1,722,381
                 
 
                                               
Funding sources:
                                               
Interest-bearing liabilities:
                                               
Deposits:
                                               
Transaction accounts
 
$
1,001,583
   
$
23,182
     
3.09
%
 
$
872,635
   
$
25,726
     
3.93
%
Time deposits
   
235,278
     
7,152
     
4.06
     
255,348
     
9,026
     
4.71
 
Total interest-bearing deposits
   
1,236,861
     
30,334
     
3.28
     
1,127,983
     
34,752
     
4.10
 
Total interest-bearing liabilities
 
$
1,236,861
   
$
30,334
     
3.28
   
$
1,127,983
   
$
34,752
     
4.10
 
 
                                               
Noninterest-bearing liabilities:
                                               
Noninterest-bearing deposits
 
$
319,346
                   
$
395,822
                 
Other noninterest-bearing liabilities
   
10,657
                     
12,219
                 
Total noninterest-bearing liabilities
   
330,003
                     
408,041
                 
Shareholders’ equity
   
227,710
                     
186,357
                 
Total liabilities and shareholders’ equity
 
$
1,794,574
                   
$
1,722,381
                 
 
                                               
Net interest income
         
$
65,608
                   
$
64,458
         
Net interest spread
                   
4.04
%
                   
3.75
%
Net interest margin
                   
5.00
%
                   
5.10
%

(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 Wednesday, October 15, 2025 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/7lgm0NeVnjQ. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/7lgm0NeVnjQ 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
 


EX-99.2 3 ef20057123_ex99-2.htm EXHIBIT 99.2
Exhibit 99.2

 Q3 2025  Earnings Release  BSVN  October 15, 2025 
 

 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: 21.9%, which is lower than the average 35% pay out ratio for dividend-paying banks(4)  Shareholder alignment due to 56% insider ownership  Dollars in thousands, except per share data. All data as of September 30, 2025, 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 measurements that exclude pre-tax net (loss)income from oil and gas of ($153.00) (after-tax $114.75) and $662.00 (after-tax $497.00) for Q3 2025 and Q2 2025, respectively  See slide 4 for the corresponding comparison between BSVN and peer group  Exchange-traded banks nationwide; Source: S&P Global Market Intelligence 
 

 Q3 Overview  Asset Quality & CRE  Dollars in thousands except per share data. All data as of September 30, 2025, unless indicated otherwise  A non-GAAP measurement that excludes oil and gas non-interest expense of $1,424 and oil and gas revenues of $1,271  See slide 12 for adjusted uninsured deposit calculation  EPS: $1.13, driven by core earnings (no share repurchases)  ROAA: 2.33%  NIM (excluding loan fee income): 4.67%  Efficiency Ratio: 41.12%; core bank efficiency ratio of 37.36%(1)  Robust 2025 core deposit growth driven by talented bankers; sustained Q3 momentum with $36.9 million organic loan growth, positioning for robust 2025 deposit and balance sheet expansion  Strong Earnings & Profitability  CET1: 14.22%; Tier 1 Leverage: 12.71%; TCE/TA: 12.22%  Significantly higher than the regulatory “well capitalized” thresholds  Strong earnings, low dividend payout ratio, no debt, no HTM securities  AOCI: ($3.02M); portfolio duration ~3.9 years  Prudent Capital Management  Cash + unpledged securities + undrawn credit: $814.15 million (2.63x coverage of $309.55 million(2) adjusted uninsured deposits)  Loans repricing in ≤1 year: $1.38 billion (89.86%), with $1.17 billion (75.85%) repricing daily   Positioned to capture most of the next 25 bps rate cuts on 60.32% of floating rate deposits  Consistent Balance Sheet Management & Reliable Liquidity  NPLs/Total Loans: 0.35%  Diverse CRE portfolio (DFW, OKC & Tulsa Metros)  Office Loan Average Size (excl. construction): $1.02 million  Owner Occupied: $0.67 million  Non-Owner Occupied: $1.53 million  NCO: -13bps (Net recoveries of $483,000)  Robust, diversified loan growth across the portfolio, with no heavy reliance on any single segment 
 

 Maximizing Our Employee Base  PPE(1)  Strength in Core Earnings  1.29% Increase  Dollars are in millions  Financial data is as of or for the twelve months ended December 31 of each respective year and as of and for the three months ended June 30, 2025 and September 30, 2025  Pre-provision, pre-tax earnings (“PPE”) is a non-GAAP financial measure. See appendix for reconciliation to their most comparable GAAP measure  Strong PPE was driven by:  Organic loan growth  Disciplined loan pricing  Consistent NIM  Expense controls  We achieve maximum productivity by:  Having fewer but high quality bankers  Operating an efficient delivery system with a strict adherence to process 
 

 Consistently Outperforming our Peer Group  Income Statement as a Percentage of Average Assets  PPE to Average Assets vs Peers  Dollars are in thousands  Peer group is defined as exchange-traded banks nationwide with assets between $500mm-$5bn (135 banks); Source: S&P Global Market Intelligence  As of Q2 2025, the latest data available.  
 

 Return on Average Tangible Common Equity  5 year average: 21.4%  Efficiency Ratio  5 year average: 37.2%   Return on Average Assets  5 year average: 2.1%   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 June 30, 2025 and September 30, 2025  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: 16.9%   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 it’s 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  $0.32 per share AOCI unrealized loss from investments  Paid ~20% of earnings as cash dividends since IPO ($4.29 per share) 
 

 CAGR since 2018: 16.9%   BSVN Compared to All Major Exchange Traded Banks  Source: S&P Global Market Intelligence and FactSet; Market data as of 9/30/2025  Total shareholder return includes the reinvestment of dividends  Tangible book value per share is a non-GAAP financial measures. See appendix for reconciliation to it’s most comparable GAAP measure  Public banks include all major exchange-traded banks nationwide (306 banks)  Total Shareholder Return Since BSVN’s IPO (9/2018)  BSVN’s TBVPS(1) Since FYE 2018  (1)  BSVN: 193.3%  Median: 28.5%  164.8% Outperformance  Public Banks Median CAGR: 5.8%(1)  BSVN  Public Banks Median  $100 invested in BSVN since IPO would be worth $293.28 now  $100 invested in an index of all public banks since BSVN’s IPO would be worth $128.46 now 
 

 BSVN Compared to All Major Exchange Traded Banks  Source: S&P Global Market Intelligence and FactSet; Market data as of 9/30/2025  Total shareholder return includes the reinvestment of dividends  Public banks include all major exchange-traded banks nationwide (306 banks)  5-Year Total Shareholder Return (%) BSVN vs. Median MET Banks  458.7%  103.2% 
 

 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 June 30, 2025 and September 30, 2025  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 strong loan growth with disciplined loan pricing that is funded by a broad and deep deposit base  September's 25 bps rate cut slightly compressed our net interest margin. Loan yields dropped 16 bps to 7.37% (64% beta), and cost of funds, peaking at 2.73%, fell 15 bps to 2.58% (60% beta). Net interest margin (excluding loan fee income) ended the quarter at 4.55%  Currently, $344.56 million in loans are at a fixed-rate or at their floors; this would rise to $973.21 million with a further 100 bps rate cut 
 

 Well Positioned for a Declining Rate Environment  Dollars in millions unless indicated otherwise. All data as of September 30, 2025 
 

 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 September 30, 2025, unless indicated otherwise  $1.17 billion of gross loans reprice daily  Asset Sensitivity Repricing Schedule  (1)  Uninsured deposits total $401.80 million (24.55% of total). Adjusted for insider and collateralized deposits, uninsured deposits are $309.55 million (18.91% of total)  With $814.15 million in cash, securities, and undrawn lines of credit, we have 2.63x coverage of adjusted uninsured deposits  Uninsured Deposits | Cash/Liquidity  Liquidity 
 

 Deposit Composition  Deposit Composition  CAGR since 2020: 13.4%  Dollars in millions, all data as of September 30, 2025, 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 2020: 13.6% 
 

 Loan Portfolio Distribution  Dollars are in millions. Data as of September 30, 2025  Loan Portfolio  Selected Categories 
 

 Diverse CRE Portfolio with Very Low Historical Losses  Dollars are in millions. Data as of September 30, 2025  Diverse commercial real estate lending activity in Texas and Oklahoma with an emphasis in the DFW, Oklahoma City, and Tulsa metros  Minimal office loans  No office exposure to downtown metropolitan locations  Office Loan Average Size, excluding construction is $1.02 million:  Owner Occupied — $0.67 million  Non-Owner Occupied — $1.53 million  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 September 30, 2025  Blue collar portfolio that is well-protected by the “cycle-down” effect of a recession   Geographically concentrated in TX (79%) 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 $5.52 million  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  Q3 2025  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: 13.6%   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 $58.0 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 September 30, 2025, Tier 1 leverage ratio, Tier 1 risk based capital ratio, and total risk-based capital ratios were 12.71%, 14.22%, and 15.43% 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 $1,040  (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 $54.9 million as of September 30, 2025  Weighted Average Duration: 3.9 Years  Book Yield: 2.32% 
 

 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, including pro forma net income, tax-adjusted net income, tax-adjusted earnings per share, tax-adjusted return on average assets and tax-adjusted return on average shareholders’ equity. These non-GAAP financial measures and any other non-GAAP financial measures that we discuss in this presentation 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.