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Core Viewpoint - Bank7 executives expressed optimism regarding the company's performance in loan growth, loan fee income, and organic deposit growth for the fourth quarter and full-year 2025, achieved without loosening underwriting standards [4][7]. Loan Growth and Payoffs - The company anticipates approximately $25 million in payoffs per month and requires $35 million to $45 million in new fundings monthly to sustain growth [2][3]. - Payoff activity was described as "accelerated" throughout 2025, with fourth-quarter payoffs being lighter than earlier in the year, but expected to rebound in the first quarter [2][4]. Asset Quality and Underwriting - Management emphasized that strong underwriting discipline has supported asset quality, which is reportedly at its best level ever [4]. - The company did not feel the need to significantly increase provisioning despite strong balance sheet growth [4]. Capital Strategy - Bank7 is focusing on capital build and optionality rather than share repurchases, remaining selective in M&A and avoiding deals that do not meet pricing or asset-quality standards [5][13]. - The company evaluated multiple M&A opportunities but chose to walk away from all, emphasizing discipline around asset quality [15]. Net Interest Margin (NIM) - The net interest margin has compressed modestly after rate cuts, with a starting reference of approximately 4.45%, potentially drifting toward historical lows around 4.35% [6][9]. - Management noted that the recent rate cuts have not significantly impacted deposit betas, indicating a tougher deposit environment [12]. Deposit Competition - The cost of funds decreased to about 2.40% in the fourth quarter, influenced by balance sheet growth and new deposits [11]. - Depositors have become more rate-aware, leading to a decline in non-interest-bearing balances as customers opt for higher-rate options [12]. Oil and Gas Revenue - Contributions from oil and gas-related items are expected to decline gradually over the next three to four years, characterized as immaterial for the bank overall [16][17]. Financial Overview - Core expenses were reported at approximately $9.1 million, with an additional $1 million related to oil and gas [19].

Financial Data and Key Metrics Changes - The company reported strong loan growth, solid organic deposit growth, and significant loan fee income, indicating a robust performance in 2025 [3][4] - The net interest margin (NIM) experienced slight compression but remains within historical ranges, with a current NIM of approximately 4.45% [14][16] Business Line Data and Key Metrics Changes - Loan growth was particularly strong in Oklahoma and Texas, with expectations of $35-$45 million in new fundings needed monthly to sustain growth [10] - The company achieved better results on the deposit side compared to the loan side, reflecting effective team performance [10] Market Data and Key Metrics Changes - The company noted that the local economies in Oklahoma and Texas are thriving, contributing to the strong loan growth [10] - Deposit competition has intensified, with depositors becoming more aware of interest rates, impacting the company's ability to lower deposit costs [23][24] Company Strategy and Development Direction - The company is focused on maintaining discipline in loan pricing and underwriting standards while pursuing market share in key regions [11][32] - There is a strategic emphasis on accumulating capital for potential M&A opportunities, while avoiding share buybacks to maintain financial flexibility [33] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to perform at a high level despite economic uncertainties and competitive pressures [4][26] - The company anticipates challenges in maintaining margins due to potential interest rate cuts and deposit competition, but remains optimistic about future growth [16][21] Other Important Information - The company highlighted that oil and gas revenues are expected to have a minimal impact on overall financial performance, with a gradual decline anticipated [39][40] - The current cost of funds has decreased to 2.40%, influenced by balance sheet growth and new deposits [21] Q&A Session Summary Question: Loan growth expectations and payoff activity - Management noted that while there was accelerated payoff activity, the fourth quarter saw lighter payoffs than earlier in the year, with expectations of continued strong growth [9][10] Question: Net interest margin trends - Management indicated that slight NIM compression was expected due to rate cuts, but they remain confident in maintaining a healthy margin [12][14] Question: Deposit cost direction and competition - Management acknowledged that recent rate cuts did not significantly impact deposit betas, indicating a challenging environment for deposit pricing [23][24] Question: Capital management and stock performance - Management emphasized a focus on producing strong results rather than share buybacks, with confidence that the market will recognize the company's performance over time [26][27] Question: M&A opportunities and market conditions - Management stated that while AOCI pressures have eased, high valuations for quality deposit franchises remain a challenge for M&A activity [31][32] Question: Non-interest-bearing deposits and seasonality - Management explained that the decline in non-interest-bearing accounts is a response to increased customer awareness of interest rates, with minimal seasonality expected [34][35]

Financial Data and Key Metrics Changes - The company reported strong loan growth, solid organic deposit growth, and significant loan fee income, indicating robust performance in 2025 [3][4] - The provision for loan losses was not increased significantly despite the growth, reflecting improved asset quality [4] Business Line Data and Key Metrics Changes - Loan growth was particularly strong in Oklahoma and Texas, with expectations of $25 million in monthly payoffs and a need for $35-$45 million in new fundings to sustain growth [10] - The company achieved better results on the deposit side compared to the loan side, showcasing effective market capture [10] Market Data and Key Metrics Changes - The company experienced a slight compression in net interest margin (NIM) due to rate cuts, but it remains within historical ranges [12][14] - The current cost of funds decreased to 2.40%, influenced by balance sheet growth and new deposits [21] Company Strategy and Development Direction - The company is focused on maintaining discipline in loan pricing and capturing market share in key regions [11][33] - There is a cautious approach towards M&A, with a focus on high-quality deposit franchises and maintaining capital for future opportunities [32][33] Management Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's position for continued high performance and acknowledged the challenges posed by market conditions [4][26] - The company is prepared for potential fluctuations in net income due to oil and gas revenue, but views it as a minor factor in overall performance [39] Other Important Information - The company highlighted the importance of controlling expenses and maintaining a strong operational framework [37][40] - Management noted that the return on equity may decline due to accumulating capital, but this is viewed as a "high-class problem" [33] Q&A Session Summary Question: Loan growth expectations and payoff activity - Management noted that while payoffs were lighter in Q4, they expect continued strong loan growth, albeit with some pricing pressure [10][11] Question: Net interest margin trends - Management indicated that NIM may see slight declines but remains confident in maintaining a strong margin within historical ranges [14][16] Question: Deposit costs and competition - Management acknowledged challenges in deposit pricing competition, noting that recent rate cuts did not significantly impact deposit betas [23][24] Question: Capital management and stock performance - Management emphasized a focus on producing strong results rather than share buybacks, with confidence that the market will recognize the company's performance over time [26][27] Question: M&A opportunities and market conditions - Management discussed ongoing challenges in M&A due to high seller expectations but remains disciplined in pursuing quality opportunities [32][33] Question: Non-interest-bearing deposits and seasonality - Management explained the decline in non-interest-bearing accounts as a response to changing customer awareness regarding interest rates [34][35]

Financial Data and Key Metrics Changes - The company reported strong loan growth, solid organic deposit growth, and significant loan fee income, indicating robust performance in 2025 [3][4] - The provision for loan losses was not increased significantly despite the growth, reflecting improved asset quality [4] Business Line Data and Key Metrics Changes - The company experienced accelerated loan growth primarily in Oklahoma and Texas, with a focus on capturing market share in these regions [8][9] - Deposit growth outpaced loan growth, showcasing the effectiveness of the company's strategies [9] Market Data and Key Metrics Changes - The current cost of funds decreased to 2.40%, driven by balance sheet growth and new deposits [20] - The company noted that deposit competition has intensified, with depositors becoming more aware of interest rates [21][22] Company Strategy and Development Direction - The company aims to maintain discipline in pricing and underwriting while pursuing growth opportunities in dynamic markets [10][29] - There is a focus on accumulating capital for potential mergers and acquisitions, while remaining cautious about share buybacks [24][31] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to perform at a high level despite market fluctuations [4] - The company anticipates challenges in maintaining net interest margins due to potential rate cuts and competitive pressures [12][15] Other Important Information - The company highlighted that oil and gas revenues are expected to have a minimal impact on overall financial performance moving forward [36][37] - Management emphasized the importance of controlling expenses and maintaining operational efficiency [35] Q&A Session Summary Question: Loan growth expectations and payoff activity - Management noted that while loan growth was strong, payoff activity was lighter than expected, with a forecast of $25 million in monthly payoffs [6][9] Question: Net interest margin trends - Management indicated slight compression in net interest margin but remains optimistic about maintaining it within historical ranges [11][12] Question: Deposit costs and competition - Management discussed the current cost of funds and the competitive landscape for deposits, noting that recent rate cuts did not significantly affect deposit betas [20][21] Question: Capital management and stock performance - Management stated that while capital is accumulating, they are focused on producing strong results rather than engaging in share buybacks [24][31] Question: M&A opportunities and market conditions - Management acknowledged challenges in acquiring quality deposit franchises due to high valuations but remains disciplined in their approach [28][29]

Financial Performance Highlights - The company's total assets reached $1963640 thousand, a 38% increase compared to 2021's $1350549 thousand [76] - Net income for the year was $43069 thousand, a decrease of 58% compared to 2024's $45698 thousand [76] - Diluted earnings per share were $450, down 70% from $484 in the previous year [76] - Return on average assets was 237%, a decrease of 108% compared to 265% in the previous year [77] - The efficiency ratio was 4024%, compared to 3790% the previous year [77] Loan and Deposit Portfolio - Total loans amounted to $1606431 thousand, up 15% from $1397383 thousand in the previous year [76] - Total deposits reached $1700833 thousand, up 122% from $1515471 thousand in the previous year [76] - Non-interest-bearing deposits constitute 201% of total deposits, amounting to $3414 million [56] Capital and Shareholder Returns - Tangible book value per share increased to $2526, reflecting a CAGR of 168% since 2018 [23] - The company's dividend payout ratio is 217%, lower than the average 35% for dividend-paying banks [3] - Total shareholder return since the IPO is 1614%, outperforming the median of public banks by 1262% [37]

Financial Performance - Net income for Q4 2025 was $10.8 million, a slight decrease of 0.55% compared to Q3 2025[5] - For the full year 2025, net income was $43.1 million, a decrease of 5.75% from $45.7 million in 2024[5] - Earnings per share for Q4 2025 were $1.12, a decrease of 0.88% compared to $1.13 in Q3 2025[5] - Pre-provision pre-tax earnings for Q4 2025 were $14.2 million, down 4.95% from $14.9 million in Q3 2025[5] - Total interest income for 2025 was $128.8 million, down 2.11% from $131.5 million in 2024[5] Asset and Loan Growth - Total assets increased to $2.0 billion, reflecting a growth of 3.82% from the previous quarter[5] - Total loans reached $1.6 billion, marking a 4.71% increase compared to Q3 2025[5] - Total loans amounted to $1,483,112 thousand for the year ended December 31, 2025[11] - Total assets as of December 31, 2025, reached $1,820,194 thousand, up from $1,722,613 thousand in 2024[11] Deposits and Funding Sources - Total deposits increased to $1.7 billion, up 12.19% from $1.5 billion in 2024[7] - Noninterest-bearing deposits decreased to $317,743 thousand in 2025 from $381,660 thousand in 2024, indicating a shift in funding sources[11] Interest Income and Margins - The Company maintained a strong net interest margin, with net interest income of $22.3 million for Q4 2025[9] - For the three months ended December 31, 2025, net interest income was $22,265 thousand, resulting in a net interest margin of 4.76%[10] - The average yield on total loans for the year 2025 was 7.92%, compared to 8.56% in 2024, indicating a decrease in loan yield[11] - The net interest spread for the year 2025 was 3.99%, compared to 3.81% in 2024, reflecting improved efficiency in interest income generation[11] Strategic Plans and Operations - The company plans to grow organically by selectively opening additional branches in target markets and pursuing strategic acquisitions[12] - The company operates twelve locations across Oklahoma, Dallas/Fort Worth, Texas, and Kansas, focusing on business owners and entrepreneurs[12] Future Outlook - Forward-looking statements indicate potential uncertainties related to interest rates and economic conditions that may impact future performance[14] - The conference call to discuss fourth quarter results is scheduled for January 15, 2026, at 9:00 a.m. CST[13]

Bank7 Corp. (NASDAQ:BSVN) will release earnings for the fourth quarter before the opening bell on Thursday, Jan. 15.Analysts expect the Oklahoma-based company to report fourth-quarter earnings of $1.05 per share. That's down from $1.16 per share in the year-ago period. The consensus estimate for Bank7's quarterly revenue is $24.1 million (it reported $24.14 million last year), according to Benzinga Pro.On Oct. 15, Bank7 posted better-than-expected third-quarter results.Shares of Bank7 fell 0.9% to close at ...

Bank7 Corp. (NASDAQ:BSVN) will release earnings for the fourth quarter before the opening bell on Thursday, Jan. 15.Analysts expect the Oklahoma-based company to report fourth-quarter earnings of $1.05 per share. That's down from $1.16 per share in the year-ago period. The consensus estimate for Bank7's quarterly revenue is $24.1 million (it reported $24.14 million last year), according to Benzinga Pro.On Oct. 15, Bank7 posted better-than-expected third-quarter results.Shares of Bank7 fell 0.9% to close at ...

OKLAHOMA CITY, Jan. 7, 2026 /PRNewswire/ -- Bank7 Corp. (NASDAQ: BSVN), the parent company of Oklahoma City-based Bank7, announces that its financial results for the fourth quarter and full year ending on December 31, 2025 will be released before the market opens on Thursday, January 15, 2026 and at 9:00 a.m. central standard time that same day, the company will hold a conference call to discuss the financial results with investors. To participate in the call, dial 1-888-348-6421, or access it live over th ...