Bank7 (BSVN) Q3 2026 earnings summary

Executive summary

• Q3 net income was $10.203M, up 22.3% QoQ but down from $10.84M YoY; diluted EPS was $1.06 and adjusted core EPS was $1.11.

• Loan growth remained solid despite more than $130M in Q3 payoffs, supported by a healthy pipeline; capital, liquidity and credit quality remained strong.

• Century acquisition closed Nov. 1, adding ~$1.2B in deposits and extending operations into New Mexico.

Financial highlights

• Q3 net interest income was $22.3M vs. $23.0M YoY; 9M net interest income rose to $68.4M from $65.6M.

• Loans were $1.633B, up 2.2% QoQ and 6.4% YoY; deposits were $1.721B, up 5.1% QoQ and YoY.

• Total assets reached $2.007B at Sept. 30, 2026, up 4.8% QoQ and $43.3M from year-end 2025.

• Q3 noninterest income fell 51.6% to $1.1M, mainly reflecting no oil-and-gas revenue after the asset sale; noninterest expense declined 5.7% to $9.8M.

• Adjusted core net income was $10.719M vs. $10.183M QoQ; adjusted core pre-provision pre-tax earnings were $14.309M vs. $13.464M.

Outlook and guidance

• Company-wide loan growth outlook ranged from mid-single digits to low double digits, depending on market contributions; a strong pipeline supported further Q4 fundings.

• The Century deal was projected to deliver 25%+ EPS accretion; 75%-80% of merger cost savings were expected in the first quarter after closing, with the remainder by the end of the second quarter.

• Century was viewed as initially neutral to margin; cheaper core funding may support NIM, while bond sales and cash redeployment will affect margin accretion.

• Loan growth was to remain disciplined, without unnecessary risk-taking or margin concessions; no day-one plan was in place to run off Century loans.