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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Bank7
Bank7 (BSVN) investor relations material
Bank7 Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary15 Jan, 2026
Executive summary
Achieved strong loan and deposit growth in 2025, with robust loan fee income, disciplined underwriting, and historically high asset quality.
Reported Q4 2025 EPS of $1.12 and full-year EPS of $4.50, with core earnings driven by organic growth and disciplined pricing.
Return on average assets (ROAA) was 2.37% for the year; return on average tangible common equity (ROATCE) reached 19.47%.
Maintained abundant liquidity and strong capital, with no share repurchases and a low dividend payout ratio.
Management remains optimistic for 2026, citing a well-matched balance sheet and favorable geographic positioning.
Financial highlights
Total assets grew to $2.0 billion, up 12.87% year-over-year; total loans reached $1.61 billion, up 14.96%.
Q4 2025 net income was $10.8 million; full-year net income was $43.1 million, down 5.8% year-over-year.
Net interest margin (NIM) for Q4 was 4.45%–4.76%, with full-year NIM at 4.61%–4.94%, both down from prior year.
Pre-provision pre-tax earnings for 2025 were $57.5 million.
Noninterest income for 2025 was $8.5 million, down from $11.3 million in 2024.
Outlook and guidance
Loan growth in 2026 is expected to remain strong but below 2025 levels due to pricing pressure and margin focus.
Positioned to benefit from future deposit rate cuts due to high proportion of loans repricing within one year.
NIM could decline further if rate cuts deepen, potentially touching historical lows below 4.35%.
Oil and gas revenue will gradually decline and remain immaterial to overall results.
Management plans selective branch expansion and strategic acquisitions.
How does pricing discipline affect 2026 growth?
How will deposit betas react to future rate cuts?
Capital deployment strategy given M&A hurdles
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Next Bank7 earnings date
Q1 202617 Apr, 2026
Bank7
Next Bank7 earnings date
Q1 202617 Apr, 2026
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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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