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Bank7 (BSVN) investor relations material
Bank7 Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Achieved strong Q2 2025 results with net income of $11.1M, up 7.4% sequentially, and diluted EPS of $1.16, up 7.4% from Q1 2025.
Total loans reached $1.50B as of June 30, 2025, up 10.7% year-over-year; total deposits rose 7.6% to $1.59B.
Return on average assets was 2.47% and return on average tangible common equity was 20.72%, both top-tier among peers.
Efficiency ratio increased to 39.95% in Q2 2025 from 37.72% in Q2 2024, reflecting higher noninterest expenses.
Maintained robust asset quality with NPLs/total loans at 0.37% and net recoveries in the quarter.
Financial highlights
Total assets reached $1.84B, up 2.8% sequentially and 5.6% year-to-date; total loans grew 5.2% sequentially.
Net interest income for Q2 2025 was $21.7M, up from $21.2M in Q2 2024; net interest margin declined to 4.96% from 5.15%.
Pre-provision pre-tax earnings (PPE) rose to $14.7M, up 7.2% from Q1 2025.
Allowance for credit losses was $18.2M at June 30, 2025, representing 1.22% of total loans.
Noninterest income for Q2 2025 was $2.7M, down 14.7% year-over-year, mainly due to lower oil and gas asset income.
Outlook and guidance
Management expects to maintain strong capital and liquidity, with continued focus on organic growth and strategic acquisitions.
Asset sensitivity and loan repricing structure provide flexibility in a declining rate environment.
Loan growth momentum expected to continue in Q3, though subject to unpredictability from paydowns.
NIM expected to remain within historical ranges, with some pressure if rates decline.
The company remains well-capitalized and in compliance with all regulatory capital requirements.
How will deposit costs impact NIM given growth?
What's the timeline for full recovery on O&G assets?
Comment on criticized/classified migration.
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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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