Form 8-K
8-K — Bank7 Corp.
Accession: 0001140361-26-014522
Filed: 2026-04-14
Period: 2026-04-14
CIK: 0001746129
SIC: 6022 (STATE COMMERCIAL BANKS)
Item: Results of Operations and Financial Condition
Item: Regulation FD Disclosure
Item: Financial Statements and Exhibits
Documents
8-K — ef20070404_8k.htm (Primary)
EX-99.1 — EXHIBIT 99.1 (ef20070404_ex99-1.htm)
EX-99.2 — EXHIBIT 99.2 (ef20070404_ex99-2.htm)
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8-K
8-K (Primary)
Filename: ef20070404_8k.htm · Sequence: 1
false000174612900017461292026-04-142026-04-14
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)
April 14, 2026
Bank7 Corp.
(Exact name of registrant as specified in its charter)
Oklahoma
001-38656
20-0763496
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
1039 N.W. 63rd Street,
Oklahoma City, Oklahoma 73116
(Address of principal executive offices) (Zip Code)
(405) 810-8600
(Registrant’s telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following
provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, $0.01 par value
BSVN
The NASDAQ Global Select Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the
Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised
financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02.
Results of Operations and Financial Condition
Item 7.01
Regulation FD Disclosure
On April 14, 2026, Bank7 Corp. (the “Company”), the holding company for Bank7, issued a press release
announcing its results of operations and financial condition for the quarter ended March 31, 2026. A copy of the press release is attached to this Current
Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference.
The Company is conducting a conference call on April 14, 2026 at 10:00 am CST to discuss its first quarter 2026 financial results. A copy of the presentation slides to
be used during the earnings call is attached to this Current Report on Form 8-K as Exhibit 99.2 and is incorporated herein by reference.
In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibit 99.1 and Exhibit 99.2, shall not be
deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended,
or the Exchange Act except as shall be expressly set forth by specific reference in such filing.
Item 9.01
Financial Statements and Exhibits
(d)
Exhibits.
The following exhibits are filed herewith:
Item
Description
99.1
Press Release dated April 14, 2026
99.2
First Quarter 2026 Investor Presentation
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BANK7 CORP.
Date: April 14, 2026
By:
/s/ Kelly J. Harris
Kelly J. Harris
Executive Vice President and Chief Financial Officer
EX-99.1 — EXHIBIT 99.1
EX-99.1
Filename: ef20070404_ex99-1.htm · Sequence: 2
Exhibit 99.1
FOR IMMEDIATE RELEASE: Bank7 Corp. Announces
Q1 2026 Earnings
Oklahoma City, April 14, 2026 – Bank7 Corp. (NASDAQ: BSVN) ("the Company"), the parent company of Oklahoma
City-based Bank7 (the "Bank"), today reported unaudited results for the quarter ended March 31, 2026. “We are pleased to announce record EPS, net income and PPE while maintaining a
strong net interest margin, excellent credit quality, and robust liquidity. We are excited about 2026, as our properly matched balance sheet has us well positioned to continue to take advantage of our dynamic geographic region,” said Thomas L.
Travis, President and CEO of the Company.
For the three months ended March 31, 2026 compared to the three months ended March 31, 2025:
-
Net income of $12.01 million compared to $10.34 million, an increase of 16.16%
-
Earnings per share of $1.25 compared to $1.08, an increase of 15.74%
-
Total assets of $1.95 billion compared to $1.79 billion, an increase of 8.94%
-
Total loans of $1.59 billion compared to $1.42 billion, an increase of 11.94%
-
Pre-provision pre-tax earnings of $15.82 million compared to $13.71 million, an increase of 15.37%
-
Total interest income of $33.78 million compared to $30.44 million, an increase of 10.99%
Both the Bank’s and the Company’s capital levels continue to be significantly above the minimum levels required to be designated as “well-capitalized” for regulatory
purposes. On March 31, 2026, the Bank’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.24%, 14.79%, and 15.96%, respectively. On March 31, 2026, on a consolidated basis, the Company’s Tier 1
leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.24%, 14.78%, and 15.96%, respectively. Designation as a well-capitalized institution under regulations does not constitute a recommendation or
endorsement by bank regulators.
Non-GAAP Financial Measures:
This earnings release contains the non-GAAP financial measure pre-provision pre-tax earnings. The Company’s management uses this non-GAAP measure in their analysis
of the Company’s performance. This measure adjusts GAAP performance to exclude from net income, income tax expense, provision for credit losses, and loss on sales and calls of available-for-sale debt securities.
For the Three Months Ended
March 31,
2026
March 31,
2025
Calculation of Pre-Provision Pre-Tax Earnings
(Dollars in thousands)
Net Income
$
12,006
$
10,336
Income Tax Expense
3,815
3,377
Pre-tax net income
15,821
13,713
Add back: Provision for credit losses
-
-
Add back: (Gain)Loss on sales/calls of AFS debt securities
-
-
Pre-provision pre-tax earnings
$
15,821
$
13,713
Unaudited Condensed Consolidated Balance Sheets
(Dollar amounts in thousands, except par value)
Assets
March 31,
2026
(unaudited)
December 31,
2025
(Dollars in thousands)
Cash and due from banks
$
246,701
$
244,635
Interest-bearing time deposits in other banks
3,735
10,457
Available-for-sale debt securities (amortized cost of $55,632 and $57,316 at March 31, 2026 and December 31, 2025, respectively)
52,140
54,019
Loans, net of allowance for credit losses of $19,452 and $19,407 at March 31, 2026 and December 31, 2025, respectively
1,574,376
1,587,024
Loans held for sale
3,865
2,078
Premises and equipment, net
24,110
21,884
Nonmarketable equity securities
1,158
1,165
Core deposit intangibles
721
752
Goodwill
11,208
11,208
Interest receivable and other assets
27,066
30,418
Total assets
$
1,945,080
$
1,963,640
Liabilities and Shareholders’ Equity
Deposits
Noninterest-bearing
$
336,801
$
341,416
Interest-bearing
1,334,580
1,359,417
Total deposits
1,671,381
1,700,833
Income taxes payable
3,912
594
Interest payable and other liabilities
9,966
11,218
Total liabilities
1,685,259
1,712,645
Shareholders’ equity
Common stock, $0.01 par value; 50,000,000 shares authorized; shares issued and outstanding: 9,519,335 and 9,462,656 at March 31, 2026 and December 31, 2025, respectively
95
95
Additional paid-in capital
103,270
103,739
Retained earnings
159,143
149,707
Accumulated other comprehensive loss
(2,687
)
(2,546
)
Total shareholders’ equity
259,821
250,995
Total liabilities and shareholders’ equity
$
1,945,080
$
1,963,640
Unaudited Condensed Consolidated Statements of Comprehensive Income
(Dollar amounts in thousands, except per share data)
Three Months Ended
March 31,
2026
(unaudited)
2025
(unaudited)
Interest Income
(Dollars in thousands)
Loans, including fees
$
31,613
$
27,324
Interest-bearing time deposits in other banks
112
101
Debt securities, taxable
250
283
Debt securities, tax-exempt
59
63
Other interest and dividend income
1,749
2,667
Total interest income
33,783
30,438
Interest Expense
Deposits
9,591
9,600
Total interest expense
9,591
9,600
Net Interest Income
24,192
20,838
Provision for Credit Losses
-
-
Net Interest Income After Provision for Credit Losses
24,192
20,838
Noninterest Income
Mortgage lending income
375
93
Loss on sales, prepayments, and calls of available-for-sale debt securities
-
-
Service charges on deposit accounts
249
218
Other
1,342
1,446
Total noninterest income
1,966
1,757
Noninterest Expense
Salaries and employee benefits
6,331
5,280
Furniture and equipment
342
250
Occupancy
686
592
Data and item processing
543
510
Accounting, marketing and legal fees
585
105
Regulatory assessments
259
83
Advertising and public relations
172
194
Travel, lodging and entertainment
71
56
Other
1,348
1,812
Total noninterest expense
10,337
8,882
Income Before Taxes
15,821
13,713
Income tax expense
3,815
3,377
Net Income
$
12,006
$
10,336
Earnings per common share - basic
$
1.26
$
1.10
Earnings per common share - diluted
1.25
1.08
Weighted average common shares outstanding - basic
9,491,075
9,421,534
Weighted average common shares outstanding - diluted
9,596,869
9,552,273
Other Comprehensive Income
Unrealized (losses) gains on securities, net of tax (benefit) expense of ($55) and $237 for the three months ended March 31, 2026 and
2025, respectively
$
(141
)
$
642
Other comprehensive (loss) income
$
(141
)
$
642
Comprehensive Income
$
11,865
$
10,978
Net Interest Margin
For the Three Months Ended March 31,
2026
(unaudited)
2025
(unaudited)
Average
Balance
Interest
Income/
Expense
Average
Yield/
Rate
Average
Balance
Interest
Income/
Expense
Average
Yield/
Rate
(Dollars in thousands)
Interest-Earning Assets:
Short-term investments
$
210,047
$
1,861
3.60
%
$
238,048
$
2,768
4.72
%
Debt securities, taxable-equivalent
43,564
250
2.33
48,637
283
2.36
Debt securities, tax exempt
11,052
59
2.17
12,514
63
2.04
Loans held for sale
1,983
-
-
580
-
-
Total loans(1)
1,596,201
31,613
8.03
1,398,350
27,324
7.92
Total interest-earning assets
1,862,847
33,783
7.35
1,698,129
30,438
7.27
Noninterest-earning assets
41,295
39,957
Total assets
$
1,904,142
$
1,738,086
Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts
$
1,058,572
$
7,223
2.77
%
$
956,891
$
7,118
3.02
%
Time deposits
264,608
2,368
3.63
236,325
2,482
4.26
Total interest-bearing deposits
1,323,180
9,591
2.94
1,193,216
9,600
3.62
Total interest-bearing liabilities
$
1,323,180
9,591
2.94
$
1,193,216
9,600
3.62
Noninterest-bearing liabilities:
Noninterest-bearing deposits
$
315,426
$
316,544
Other noninterest-bearing liabilities
9,515
9,983
Total noninterest-bearing liabilities
324,941
326,527
Shareholders' equity
256,021
218,343
Total liabilities and shareholders' equity
$
1,904,142
$
1,738,086
Net interest income
$
24,192
$
20,838
Net interest spread
4.41
%
4.01
%
Net interest margin
5.27
%
4.98
%
(1)
Nonaccrual loans are included in total loans
About Bank7 Corp.
We are Bank7 Corp., a bank holding company headquartered in Oklahoma City, Oklahoma. Through our wholly-owned subsidiary, Bank7, we operate twelve
locations in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area and Kansas. We are focused on serving business owners and entrepreneurs by delivering fast, consistent and well-designed loan and deposit products to meet their financing
needs. We intend to grow organically by selectively opening additional branches in our target markets as well as pursue strategic acquisitions.
Conference Call
Bank7 Corp. has scheduled a conference call to discuss its first quarter results, which will be broadcast live over the Internet, on Tuesday, April 14, 2026 at 10:00
a.m. central standard time. To participate in the call, dial 1-888-348-6421, or access it live over the Internet at https://app.webinar.net/5Kz4qdQLXjl. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/5Kz4qdQLXjl
shortly after the call for 1 year.
Cautionary Statements Regarding Forward-Looking Information
This communication contains a number of forward-looking statements. These forward-looking statements reflect Bank7 Corp.’s current views with respect to, among other
things, future events and Bank7 Corp.’s financial performance. Any statements about Bank7 Corp.’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be
forward-looking. These statements are often, but not always, made through the use of words or phrases such as “anticipate,” “believes,” “can,” “could,” “may,” “predicts,” “potential,” “should,” “will,” “estimate,” “plans,” “projects,”
“continuing,” “ongoing,” “expects,” “intends” and similar words or phrases. Any or all of the forward-looking statements in (or conveyed orally regarding) this presentation may turn out to be inaccurate. The inclusion of or reference to
forward-looking information in this presentation should not be regarded as a representation by Bank7 Corp. or any other person that the future plans, estimates or expectations contemplated by Bank7 Corp. will be achieved.
These forward-looking statements are subject to significant uncertainties because they are based upon: the amount and timing of future changes in interest rates,
market behavior, and other economic conditions; future laws, regulations, and accounting principles; changes in regulatory standards and examination policies, and a variety of other matters. These other matters include, among other things, the
impact the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. Bank7 Corp. has based these forward-looking statements largely
on its current expectations and projections about future events and financial trends that Bank7 Corp. believes may affect its financial condition, results of operations, business strategy and financial needs. Bank7 Corp.’s actual results could
differ materially from those anticipated in such forward-looking statements as a result of risks, uncertainties and assumptions that are difficult to predict. If one or more events related to these or other risks or uncertainties materialize, or
if Bank7 Corp.’s underlying assumptions prove to be incorrect, actual results may differ materially from what Bank7 Corp. anticipates. You are cautioned not to place undue reliance on forward-looking statements. Further, any forward-looking
statement speaks only as of the date on which it is made and Bank7 Corp. undertakes no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the
occurrence of unanticipated events, except as may be required by law. All forward-looking statements herein are qualified by these cautionary statements.
Contact:
Thomas Travis
President & CEO
(405) 810-8600
EX-99.2 — EXHIBIT 99.2
EX-99.2
Filename: ef20070404_ex99-2.htm · Sequence: 3
Exhibit 99.2
Q1 2026 Earnings Release BSVN April 14, 2026
BSVN – Corporate Overview Consistently ranked by S & P Global Market
Intelligence as one of the Top Performing Community Banks in the United States Consistently produce top tier earnings and ROATCE (3) Proven ability to maintain a healthy net interest margin through various interest rate cycles Abundant
liquidity and a properly matched balance sheet Disciplined credit culture that adheres to our comprehensive risk management practices High level of capital provides comfort and flexibility EPS: Strong performance not driven by share
buybacks Dividend Payout Ratio: 21.6%, which is lower than the average 34% pay out ratio for dividend-paying banks(4) Shareholder alignment due to 55% insider ownership Dollars in thousands, except per share data. All data as of March 31,
2026, unless indicated otherwise Pre-provision pre-tax earnings (“PPE”) and net interest margin excluding loan fees are non-GAAP financial measures. See appendix for reconciliation to their most comparable GAAP measure Adjusted core are
non-GAAP financial measures. See appendix for reconciliation to their most comparable GAAP measures See slide 6 for the corresponding comparison between BSVN and peer group Exchange-traded banks nationwide; Source: S&P Global Market
Intelligence. As of Q4 2025, the latest data available
Q1 Overview Excellent Asset Quality Dollars in thousands except per share data.
All data as of March 31, 2026, unless indicated otherwise A non-GAAP measurement that excludes oil and gas non-interest expense of $569 and oil and gas revenues of $917 See slide 10 for adjusted uninsured deposit calculation Record EPS:
$1.25; driven by core earnings (no share repurchases) Record PPE: $15.82 million ROAA: 2.56% ROATCE: 19.95%; achieved while maintaining all-time high capital levels NIM (excluding loan fee income): 4.60% Efficiency Ratio: 39.64%; core bank
efficiency ratio of 38.82%(1) Exceptional Earnings & Profitability Strong earnings, low dividend payout ratio, no debt, no HTM securities Significantly higher than the regulatory “well capitalized” thresholds RBC: 15.96% CET1:
14.78% Tier 1 Leverage: 13.24% TCE/TA: 12.81% Prudent Capital Management Cash + unpledged securities + undrawn credit: $805.58 million (2.42x coverage of $332.28 million(2) adjusted uninsured deposits) Loans repricing in ≤1 year: $1.47
billion (91.78%), with $0.99 billion (61.92%) repricing daily Real-time Yield on Loans: 6.91% Real-time Cost of Funds: 2.27% Consistent Balance Sheet Management Tenured team of commercial bankers in dynamic markets NCO: -1bps (Net
recoveries of $0.05 million) NPAs/TL: 0.58% ACL/NPLs: 209.75% ACL/TL: 1.22%
Maximizing Our Employee Base PPE(1) Strength in Core Earnings Dollars are in
millions Financial data is as of or for the twelve months ended December 31 of each respective year and as of or for the three months ended March 31, 2025 and March 31, 2026 Pre-provision, pre-tax earnings (“PPE”) is a non-GAAP financial
measure. See appendix for reconciliation to its most comparable GAAP measure Record PPE was driven by: Disciplined loan pricing Consistent NIM Expense controls Strong loan fee income We achieve maximum productivity by: Having fewer but
higher quality bankers Operating an efficient delivery system with a strict adherence to process
Return on Average Tangible Common Equity 5 year average: 21.4% Efficiency
Ratio 5 year average: 38.1% Return on Average Assets 5 year average: 2.2% Consistent Top Performer Financial data is as of or for the twelve months ended December 31 of each respective year and as of or for the three months ended March
31, 2025 and March 31, 2026 Performance ratios remain top-tier and within our historical ranges 8.60%
Diluted Earnings Per Share Tangible Book Value Per Share(1) CAGR since 2018:
16.7% EPS: No share repurchases since 2020 Reliable and Rapid Capital Compounder Dollars and shares in thousands, except per share data Tangible book value per share is a non-GAAP financial measure, and is calculated by dividing “Total
tangible shareholders’ equity” by “Shares outstanding”. See appendix for reconciliation to its most comparable GAAP measure Consistently strong earnings increased TBV despite three factors: $0.85 per share paid for an all-cash acquisition in
Q4 2021 $0.28 per share AOCI unrealized loss from investments Paid ~20% of earnings as cash dividends since IPO ($4.86 per share)
Consistently Outperforming our Peer Group Income Statement as a Percentage of
Average Assets PPE to Average Assets vs Peers Peer group is defined as exchange-traded banks nationwide with assets between $500mm-$5bn (128 banks); Source: S&P Global Market Intelligence As of Q4 2025, the latest data available.
CAGR since 2018: 16.8% BSVN Compared to All Major Exchange Traded
Banks Source: S&P Global Market Intelligence and FactSet; Market data as of 3/31/2026 Total shareholder return includes the reinvestment of dividends Tangible book value per share is a non-GAAP financial measures. See appendix for
reconciliation to its most comparable GAAP measure Public banks include all major exchange-traded banks nationwide (292 banks) Total Shareholder Return Since BSVN’s IPO (9/2018) BSVN’s TBVPS(1) Since FYE 2018 (1) Median: 39.7% Public
Banks Median CAGR: 6.7%(1) BSVN Public Banks Median $100 invested in BSVN since IPO would be worth $256.14 now $100 invested in an index of all public banks since BSVN’s IPO would be worth $139.65 now 116.5% Outperformance BSVN: 156.1%
Consistent Net Interest Margin Financial data is as of or for the twelve months
ended December 31 of each respective year and as of or for the three months ended March 31, 2025 and March 31, 2026 Net interest margin (excluding loan fee income) is a non-GAAP financial measure, see Appendix for reconciliation to the most
comparable GAAP measure for this metric ◼︎ Loan Fee Income Contribution Net interest margin remains within our historical range, and is driven by disciplined loan pricing that is funded by a broad and deep funding base Q1 NIM benefited from
accelerated fee recognition tied to early payoffs and the recognition of non-accrual interest previously collected
We Achieve a Steady Spread thru Various Rate Cycles Financial data calculated
using annual averages Excluding loan fee income
Asset Sensitivity Repricing and Liquidity Dollars in thousands, all data as of
March 31, 2026, unless indicated otherwise $0.99 billion of gross loans reprice daily Asset Sensitivity Repricing Schedule (1) Uninsured deposits total $405.75 million (24.28% of total). Adjusted for insider and collateralized deposits,
uninsured deposits are $332.28 million (19.88% of total) With $805.58 million in cash, securities, and undrawn lines of credit, we have 2.42x coverage of adjusted uninsured deposits Uninsured Deposits | Cash/Liquidity Liquidity
Deposit Composition Deposit Composition CAGR since 2021: 7.7% Dollars in
millions, all data as of March 31, 2026, unless indicated otherwise
Loan Portfolio Trends Loan Portfolio Trends – Selected Categories Dollars in
millions No single loan category within 'Other' exceeds 10% of the total loan portfolio CAGR Since 2021: 10.8% (1)
Loan Portfolio Distribution Dollars are in millions. Data as of March 31,
2026 Loan Portfolio Selected Categories
Diverse CRE Portfolio with Very Low Historical Losses Dollars are in millions.
Data as of March 31, 2026 Diverse commercial real estate lending activity in Texas and Oklahoma with an emphasis in the DFW, Oklahoma City, and Tulsa metros No office exposure to downtown metropolitan locations Construction lending activity
primarily in Oklahoma City and the Dallas metroplex with an emphasis on entry level homes with established homebuilders Limited lot and development lending activity Hospitality niche managed by seasoned professionals with proven track record
through various economic cycles CONSTRUCTION OWNER OCCUPIED
Hotel Portfolio by Class Hotel Portfolio by Location Hospitality Loan Portfolio
– A Source of Strength Dollars are in millions. Data as of March 31, 2026 Blue collar portfolio that is well-protected by the “cycle-down” effect of a recession Geographically concentrated in TX (77%) and other markets with favorable
economic conditions Loans personally guaranteed by experienced owner/operators with operating history spanning decades of economic cycles Diversified lending to many reputable brands Consistent underwriting fundamentals with disciplined
equity requirements, debt coverage ratio requirements, personal recourse, and rapid amortization Average loan size of $5.71 million Average LTV of 58% 3.56% Actual Hotel Portfolio by Location
Total Assets Strategic Growth in Dynamic Markets Dollars are in millions 2014
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q1 2026 LPO opened in Tulsa, OK, full-service branch opened in Frisco, TX Oklahoma acquisition Full-service branch opened in Tulsa, OK Completed IPO Full-service branch
opened in Irving, TX LPO opened in Irving, TX Kansas acquisition CAGR Since 2014: 13.2% Oklahoma mortgage acquisition
Earnings-driven Capital Shock-absorption Earnings-driven cushion far exceeds
regulatory capital minimums as illustrated over a two-year period, consistent with DFAST parameters(1) Dollars are in thousands above assumes no cash dividends and is simply an illustration and should not be considered a projection or
forward-looking guidance of any kind DFAST = Dodd-Frank Act Stress Test Excess capital to target ratio expressed in % is the difference between the actual ratio and regulatory minimum divided by the regulatory minimum Excess capital to
target ratio expressed in $ is the excess capital % multiplied by either average assets or risk-weighted assets, assuming a static balance sheet over the next 24 months Trailing twelve months PPE of $59.6 million extrapolated over two years
Appendix
Bank7 Corp. Financials BSVN adopted the CECL model (ASC326) on 1/1/2023 using the
modified retrospective method. The presented allowance for periods prior to 1/1/2023 is under the incurred loss model (pre-ASC326) Represents a non-GAAP financial measure. See non-GAAP reconciliations table for reconciliation to most
comparable GAAP measure for this metric
Bank7 Corp. Performance Ratios Annualized Efficiency ratio is calculated by
dividing noninterest expense by the sum of net interest income on a tax equivalent basis and noninterest income Represents a non-GAAP financial measure, see non-GAAP reconciliations table for reconciliation to the most comparable GAAP
measure for this metric Ratios are based on Bank level financial information rather than consolidated information. At March 31, 2026, Tier 1 leverage ratio, Tier 1 risk based capital ratio, and total risk-based capital ratios were 13.24%,
14.78%, and 15.96% respectively for the Company
Non-GAAP Reconciliations
Non-GAAP Reconciliations -- Continued
Oil & Gas Asset Recap Cash Flow Recap GAAP Results Dollars in
thousands Includes depletion expense of $303, $472 and $677 for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively (1)
Available-for-Sale Securities Portfolio Investment Portfolio Dollars are in
millions. All mortgage-backed securities and collateralized mortgage obligations are issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored entities. Total investment securities of $52.1 million as of March 31,
2026 Weighted Average Duration: 3.6 Years Book Yield: 2.38%
Legal Information and Distribution This presentation and oral statements made
regarding the subject of this presentation contain forward-looking statements. These forward-looking statements are subject to significant uncertainties because they are based upon: the amount and timing of future changes in interest rates,
market behavior, and other economic conditions; future laws, regulations, and accounting principles; changes in regulatory standards and examination policies, and a variety of other matters. These other matters include, among other things, the
direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. These forward-looking statements reflect Bank7 Corp.’s current views with
respect to, among other things, future events and Bank7 Corp.’s financial performance. Any statements about Bank7 Corp.’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not
historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as “anticipate,” “believes,” “can,” “could,” “may,” “predicts,” “potential,” “should,” “will,” “estimate,”
“plans,” “projects,” “continuing,” “ongoing,” “expects,” “intends” and similar words or phrases. Any or all of the forward-looking statements in (or conveyed orally regarding) this presentation may turn out to be inaccurate. The inclusion of or
reference to forward-looking information in this presentation should not be regarded as a representation by Bank7 Corp. or any other person that the future plans, estimates or expectations contemplated by Bank7 Corp. will be achieved. Bank7
Corp. has based these forward-looking statements largely on its current expectations and projections about future events and financial trends that Bank7 Corp. believes may affect its financial condition, results of operations, business strategy
and financial needs. Bank7 Corp.’s actual results could differ materially from those anticipated in such forward-looking statements as a result of risks, uncertainties and assumptions that are difficult to predict. If one or more events related
to these or other risks or uncertainties materialize, or if Bank7 Corp.’s underlying assumptions prove to be incorrect, actual results may differ materially from what Bank7 Corp. anticipates. You are cautioned not to place undue reliance on
forward-looking statements. Further, any forward-looking statement speaks only as of the date on which it is made and Bank7 Corp. undertakes no obligation to update or revise any forward-looking statement to reflect events or circumstances
after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as may be required by law. All forward-looking statements herein are qualified by these cautionary statements. Within this
presentation, we reference certain market, industry and demographic data, forecasts and other statistical information. We have obtained this data, forecasts and information from various independent, third party industry sources and
publications. Nothing in the data, forecasts or information used or derived from third party sources should be construed as advice. Some data and other information are also based on our good faith estimates, which are derived from our review of
industry publications and surveys and independent sources. We believe that these sources and estimates are reliable, but have not independently verified them. Statements as to our market position are based on market data currently available to
us. Although we are not aware of any misstatements regarding the economic, employment, industry and other market data presented herein, these estimates involve inherent risks and uncertainties and are based on assumptions that are subject to
change. This presentation includes certain non-GAAP financial measures. These non-GAAP financial should not be considered in isolation, and should be considered as additions to, and not substitutes for or superior to, measures of financial
performance prepared in accordance with GAAP. There are a number of limitations related to the use of these non-GAAP financial measures versus their nearest GAAP equivalents. For example, other companies may calculate non-GAAP financial
measures differently or may use other measures to evaluate their performance, all of which could reduce the usefulness of Bank7 Corp.’s non-GAAP financial measures as tools for comparison. See the table in the appendix of this presentation for
a reconciliation of the non-GAAP financial measures used in (or conveyed orally during) this presentation to their most directly comparable GAAP financial measures.
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