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Bank7 (BSVN) investor relations material
Bank7 Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary15 Oct, 2025
Executive summary
Achieved strong Q3 2025 results with net income of $10.8 million and diluted EPS of $1.13, though net income declined 2.35% sequentially and 8.5% year-over-year.
Total assets increased to $1.9 billion, up 3% from Q2 2025 and 8.7% from year-end 2024.
Return on average assets was 2.33% and return on average tangible common equity was 19.07%, maintaining strong performance.
Pre-provision pre-tax earnings (PPE) were $14.9 million, up 1.3% sequentially.
Maintained strong capital ratios and abundant liquidity, supporting growth and risk management.
Financial highlights
Net interest income for Q3 2025 was $23.0 million, up from $21.2 million in Q3 2024.
Net interest margin for Q3 2025 was 5.07%, with core NIM at 4.67% excluding loan fees; some margin compression expected in Q4.
Total loans reached $1.53 billion, up 2.5% sequentially and 6.7% year-over-year; deposits increased to $1.64 billion, up 2.7% sequentially and 7.4% year-over-year.
Noninterest income fell 39.9% year-over-year in Q3 2025, mainly due to lower oil and gas income.
Noninterest expense increased 10.1% year-over-year, driven by higher salaries and other costs.
Outlook and guidance
Management expects continued organic loan and deposit growth, with high single-digit loan growth projected into Q4 and 2026.
Net interest margin is projected to compress slightly to 4.50%–4.47% if further rate cuts occur.
Mortgage business expected to remain slow but may improve in 2026 if market conditions change.
Focus remains on maintaining strong capital and liquidity positions and pursuing strategic acquisitions.
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Frequently asked questions
Bank7 Corp is a bank holding company operating through its wholly owned subsidiary, Bank7. The company provides banking services including commercial and consumer lending, deposit products, and treasury services. It serves customers primarily in Oklahoma, Texas, and Kansas, with a focus on community-oriented financial solutions. Bank7 Corp is headquartered in Oklahoma City, Oklahoma, and its shares are listed on the NASDAQ.
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