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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]

Group 1 - Bank7 Corp. is set to release its fourth-quarter earnings on January 15, with expected earnings of $1.05 per share, a decrease from $1.16 per share in the same period last year [1] - The consensus estimate for Bank7's quarterly revenue is $24.1 million, slightly down from $24.14 million reported last year [1] - The company reported better-than-expected third-quarter results on October 15 [1] Group 2 - Bank7's shares fell by 0.9% to close at $42.40 on Tuesday [2] - Analysts have provided various ratings for Bank7, with Keefe, Bruyette & Woods maintaining an Outperform rating and lowering the price target from $54 to $53 [3] - Piper Sandler maintained an Overweight rating and raised the price target from $50.5 to $55 [3]

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 ...

Financial Results Announcement - Bank7 Corp. will release its financial results for Q4 and the full year ending December 31, 2025, before the market opens on January 15, 2026 [1] - A conference call to discuss the financial results will take place at 9:00 a.m. Central Standard Time on the same day [1] Participation Details - Investors can participate in the conference call by dialing 1-888-348-6421 or accessing it live online [1] - An archive of the webcast will be available shortly after the call for one year [2] Company Overview - Bank7 Corp. is a bank holding company based in Oklahoma City, operating through its wholly-owned subsidiary, Bank7, with twelve locations across Oklahoma, the Dallas/Fort Worth area, and Kansas [3] - The company focuses on serving business owners and entrepreneurs by providing fast, consistent, and well-designed loan and deposit products [3] - Bank7 intends to grow organically by selectively opening additional branches in target markets and pursuing strategic acquisitions [3]