Bank7(BSVN) - 2025 Q3 - Earnings Call Presentation
Bank7Bank7(US:BSVN)2025-10-15 14:00

Financial Performance Highlights - Q3 2025 net income reached $10844 thousand [2], while adjusted core net income was $10991 thousand [2] - Return on Average Assets (ROAA) stood at 233% [2] - Return on Average Tangible Common Equity (ROATCE) was 2072% [18] - Efficiency Ratio was 4112% [5] Balance Sheet and Loan Portfolio - Total assets amounted to $1891435 thousand [2] - Total loans reached $1534227 thousand [2] - Total deposits totaled $1636827 thousand [2] - The loan-to-deposit ratio was 9373% [79] Capital and Liquidity - Tier 1 Leverage Ratio was 1271% [74] - Common Equity Tier 1 (CET1) ratio was 1422% [5] - The company has 263x coverage of adjusted uninsured deposits with $81415 million in cash, securities, and undrawn lines of credit [5] Loan Portfolio Composition - Commercial & Industrial loans accounted for 2647% of the total loan portfolio, amounting to $40698 million [64] - Hospitality loans represented 1901% of the portfolio, totaling $29230 million [64] - Energy loans comprised 1097% of the portfolio, reaching $16860 million [64]