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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 $10.8M and diluted EPS of $1.13, driven by core earnings and no share repurchases.
Return on average assets (ROAA) was 2.33% and return on average tangible common equity (ROATCE) was 19.07%, maintaining top-tier performance.
Total assets grew to $1.9B, up 3% from Q2 2025.
Pre-provision pre-tax earnings (PPE) were $14.9M, up 1.3% sequentially.
All key elements—liquidity, capital, earnings, and margin—are performing well, positioning the institution favorably.
Financial highlights
Net interest margin for Q3 2025 was 5.07%, up from 5.02% in Q3 2024; NIM excluding loan fees was 4.67%.
Total loans reached $1.53B, up 2.5%; total deposits increased to $1.64B, up 2.7% from Q2 2025.
Total interest income rose 6.09% to $33.7M compared to Q2 2025.
Noninterest expense was $10.4M, up from $9.4M in Q3 2024.
Core fee income and non-interest expense are anticipated to remain at Q3 levels, with $1M in core fee and $9–9.5M in non-interest expense.
Outlook and guidance
Robust organic loan and deposit growth expected to continue, supporting balance sheet expansion.
Net interest margin projected to compress slightly to 4.50%–4.47% if further rate cuts occur.
Management highlighted robust capital ratios, exceptional liquidity, and dynamic market locations as positioning the company for sustained growth in 2025.
Mortgage business expected to remain slow but may improve in 2026 if market conditions change.
Positioned to benefit from future rate cuts, with 60.32% of floating rate deposits able to capture most of the next 25 bps rate reduction.
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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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