Earnings summaries and quarterly performance for Bank7.
Executive leadership at Bank7.
Thomas Travis
Detailed
President and Chief Executive Officer
CEO
HL
Henry Litchfield
Detailed
Vice President and General Counsel
JE
Jason Estes
Detailed
Executive Vice President and Chief Credit Officer
JP
John Phillips
Detailed
Senior Executive Vice President, Chief Operating Officer and Secretary
KH
Kelly Harris
Detailed
Executive Vice President and Chief Financial Officer
WH
William Haines
Detailed
Chairman of the Board
Board of directors at Bank7.
Research analysts who have asked questions during Bank7 earnings calls.
NR
Nathan Race
Piper Sandler & Co.
6 questions for BSVN
Also covers: ALRS, BWB, BY +18 more
MO
Matt Olney
Stephens Inc.
5 questions for BSVN
Also covers: BFST, BOKF, CADE +21 more
WL
Wood Lay
Keefe, Bruyette & Woods
3 questions for BSVN
Also covers: AMTB, BKU, BMRC +14 more
Jordan Ghent
Stephens Inc.
2 questions for BSVN
Also covers: HTH, OZK, RNST +3 more
WL
Woodrow Lay
KBW
2 questions for BSVN
WL
Woody Lay
Keefe, Bruyette & Woods (KBW)
2 questions for BSVN
Also covers: AMTB, BKU, BMRC +15 more
AP
Adam Pearl
Piper Sandler
1 question for BSVN
Recent press releases and 8-K filings for BSVN.
BSVN Announces Strong Q4 and Full Year 2025 Earnings
BSVN
Earnings
Dividends
Capital Management
- BSVN reported strong financial results for Q4 2025, with diluted earnings per share (EPS) of $1.12 and a Return on Average Tangible Common Equity (ROATCE) of 18.15%. For the full year 2025, EPS was $4.50 and ROATCE was 19.47%.
- The company demonstrated robust profitability and efficiency in full year 2025, achieving a Return on Average Assets (ROAA) of 2.37%, a Net Interest Margin (NIM) of 4.94%, and an Efficiency Ratio of 40.24%.
- Asset quality remained strong with full-year Net Charge-Offs (NCO) of -5bps and Non-Performing Assets (NPAs) to Total Loans of 40bps.
- BSVN maintained a strong capital position, reporting a CET1 ratio of 14.09%, Tier 1 Leverage of 12.82%, and TCE/TA of 12.25% , with no share repurchases since 2020 and a dividend payout ratio of 21.7%.
Jan 15, 2026, 3:00 PM
Bank7 Corp. Reports Q4 2025 Results and Outlook
BSVN
Earnings
Guidance Update
M&A
- Bank7 Corp. reported strong 2025 results, characterized by outstanding loan growth, strong loan fee income, solid organic deposit growth, and excellent asset quality.
- Looking ahead to 2026, management anticipates $25 million a month of payoffs and requires $35-$45 million a month of new fundings to grow, noting that maintaining 2025's growth pace would be a stretch due to pricing pressure.
- The Net Interest Margin (NIM) for Q4 2025 was 4.45%, and while time deposits repricing may offer some offset, it could dip slightly, potentially below the historical low of 4.35%, especially with significant rate cuts.
- Deposit costs are impacted by tough competition, with the current cost of funds at a 2.40% run rate, and non-interest-bearing accounts are declining as depositors are increasingly aware of interest rates.
- The company's capital is rapidly accumulating, providing optionality for M&A, including potential Mergers of Equals (MOE), though they remain disciplined on valuations and asset quality, acknowledging that high capital levels are causing Return on Equity (ROE) to decrease.
Jan 15, 2026, 3:00 PM
Bank7 Corp. Discusses Strong 2025 Results, 2026 Outlook, and Capital Strategy
BSVN
Earnings
Guidance Update
M&A
- Bank7 Corp. (BSVN) reported strong 2025 results, highlighted by outstanding loan growth, strong loan fee income, and solid organic deposit growth, while maintaining excellent asset quality.
- Management anticipates it will be a stretch to replicate 2025's loan growth pace in 2026 due to pricing pressures and a commitment to discipline, projecting monthly funding needs of $35-$45 million to offset $25 million in payoffs.
- The Net Interest Margin (NIM) experienced slight compression in Q4 2025, starting at 4.45%, and could potentially dip towards or below its historical low of 4.35% with further rate cuts. The cost of funds dipped to a run rate of 240.
- BSVN is strategically piling up capital by resisting significant share buybacks to prepare for M&A opportunities, acknowledging challenges such as high seller valuation expectations for quality deposit franchises.
- The company maintained strong expense control in Q4 2025, with $9.1 million in core expenses and $1 million in oil and gas related expenses, while oil and gas revenue is expected to gradually decline and become an insignificant portion over the next three to four years.
Jan 15, 2026, 3:00 PM
Bank7 Corp. Reports Strong Q4 and Full-Year 2025 Results
BSVN
Earnings
Guidance Update
M&A
- Bank7 Corp. achieved strong 2025 results with outstanding loan growth, strong loan fee income, and solid organic deposit growth, alongside excellent asset quality.
- Management expects 2026 loan growth to be a stretch to match 2025's pace due to pricing discipline.
- The net interest margin (NIM) saw slight compression in Q4 2025, reaching an inflection point, with a current run rate of 4.45% and a historical low around 4.35%.
- Deposit costs remain competitive, as recent rate cuts have not significantly reduced deposit betas.
- The company is rapidly building capital and maintains a disciplined M&A strategy, prioritizing capital preservation for future opportunities over significant share buybacks.
Jan 15, 2026, 3:00 PM
Bank7 Corp. Announces Q4 and Full Year 2025 Earnings
BSVN
Earnings
- Bank7 Corp. reported net income of $10.8 million and diluted earnings per share (EPS) of $1.12 for the fourth quarter of 2025, contributing to full-year 2025 net income of $43.1 million and diluted EPS of $4.50.
- The company demonstrated significant growth, with total assets reaching $2.0 billion and total loans at $1.6 billion as of December 31, 2025, reflecting increases of 12.87% and 14.96% respectively, compared to the prior year.
- Bank7 Corp. maintained strong capital levels, including a Tier 1 leverage ratio of 12.82% and a Tier 1 risk-based capital ratio of 14.09% as of December 31, 2025, well above regulatory minimums.
- Profitability metrics for the full year 2025 included a Return on Average Assets (ROAA) of 2.37% and a Return on Average Tangible Common Equity (ROATCE) of 19.47%, alongside a net interest margin (excluding loan fee income) of 4.61%. Asset quality remained robust with full-year Net Charge-Offs (NCO) of -5bps and Non-Performing Assets (NPAs) to Total Loans of 40bps.
Jan 15, 2026, 1:01 PM
Bank7 Corp. Reports Solid Q3 2025 Results and Provides Q4 Guidance
BSVN
Earnings
Guidance Update
M&A
- Bank7 Corp. reported a solid Q3 2025, characterized by strong organic growth in both loan and deposit portfolios and robust capital accumulation.
- The core net interest margin for Q3 2025 was 4.55%, with management anticipating a slight compression to 4.50% in Q4, potentially reaching 4.47% with additional rate cuts.
- Loan fee income, contributing 40 basis points to the margin in Q3, saw outperformance but is expected to normalize going forward.
- Despite strong credit trends, the company increased its reserve in Q3 2025, citing portfolio growth and macro volatility, while credit migrations remained benign.
- For Q4 2025, core fee income is projected at $1 million, and non-interest expense is expected to be between $9 million and $9.5 million.
Oct 15, 2025, 2:00 PM
Bank Seven Corp. Reports Solid Q3 2025 Results and Provides Outlook
BSVN
Earnings
Guidance Update
M&A
- Bank Seven Corp. reported a solid third quarter 2025, characterized by strong organic growth in both loan and deposit portfolios, robust capital accumulation, and strong capital ratios.
- The company is targeting high single-digit year-over-year loan growth, with new loans coming onto the portfolio at an average of 7.00%-7.25%.
- The core Net Interest Margin (NIM) ended Q3 2025 at 4.55% and is projected to compress slightly to 4.50% with the first Q4 rate cut, potentially reaching 4.47% with additional rate cuts.
- Credit trends were strong, but reserves were increased due to portfolio growth and increased macro volatility, with the possibility of further provisioning if conditions change or growth continues.
- BSVN remains active in the M&A space, but faces challenges from the overhang of AOCI and long-maturity, lower fixed-rate loans on potential sellers.
Oct 15, 2025, 2:00 PM
BSVN Reports Strong Q3 2025 Earnings and Robust Capital Ratios
BSVN
Earnings
Capital Management
Liquidity
- BSVN reported Earnings Per Share (EPS) of $1.13 for Q3 2025, driven by core earnings.
- The company maintained strong profitability with a Return on Average Assets (ROAA) of 2.33% and Return on Average Tangible Common Equity (ROATCE) of 19.07% for Q3 2025.
- Capital ratios remained robust, with a CET1 ratio of 14.22% and a Tier 1 Leverage ratio of 12.71% as of Q3 2025, significantly exceeding regulatory "well capitalized" thresholds.
- Asset quality was strong, evidenced by Non-Performing Loans (NPLs) to Total Loans of 0.35% and net recoveries of $483,000 (NCO of -13bps) in Q3 2025.
- BSVN demonstrated strong liquidity with $814.15 million in cash, unpledged securities, and undrawn credit, providing 2.63x coverage of adjusted uninsured deposits as of September 30, 2025.
Oct 15, 2025, 2:00 PM
Bank7 Corp. Reports Solid Q3 2025 Results and Provides Q4 Outlook
BSVN
Earnings
Guidance Update
M&A
- Bank7 Corp. reported a solid Q3 2025 with strong organic growth in loan and deposit portfolios, leading to robust income and capital accumulation.
- Management anticipates high single-digit year-over-year loan growth and projects core net interest margin to slightly compress from 4.55% in Q3 to 4.50% - 4.47% in Q4 2025 due to potential rate cuts.
- For Q4 2025, core fee income is expected to be around $1 million, and non-interest expenses are projected to be between $9 million and $9.5 million.
- Credit trends remained strong in Q3 2025, with benign migrations, though reserves were increased due to portfolio growth and macro volatility.
- The company remains active in M&A discussions, seeking strategic combinations, but notes challenges such as the overhang of AOCI impacting potential sellers.
Oct 15, 2025, 2:00 PM
Bank7 Corp. Announces Q3 2025 Earnings
BSVN
Earnings
Revenue Acceleration/Inflection
- Bank7 Corp. reported net income of $10.8 million and earnings per share of $1.13 for the third quarter of 2025, representing decreases of 2.35% and 2.59% respectively compared to the second quarter of 2025.
- Total assets increased by 3.00% to $1.9 billion and total loans increased by 2.46% to $1.5 billion in Q3 2025 compared to Q2 2025.
- The company maintained strong capital ratios as of September 30, 2025, with a Tier 1 leverage ratio of 12.71% and a Tier 1 risk-based capital ratio of 14.22%.
- Key profitability metrics for Q3 2025 included a Return on Average Assets (ROAA) of 2.33%, an efficiency ratio of 41.12%, and a net interest margin of 5.07%.
- Asset quality remained strong with Non-Performing Loans (NPLs) as a percentage of total loans at 0.35%.
Oct 15, 2025, 12:00 PM
Quarterly earnings call transcripts for Bank7.
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