Bank7 (BSVN) Company Report

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

Bank7 Corp. Announces Q3 2025 Earnings

BSVN

Earnings

Bank7 Corp. reported net income of $10.8 million and earnings per share of $1.13 for the third quarter ended September 30, 2025, reflecting decreases of 2.35% and 2.59% respectively, compared to the previous quarter.
As of September 30, 2025, total assets grew by 3.00% to $1.9 billion and total loans increased by 2.46% to $1.5 billion compared to June 30, 2025.
Pre-provision pre-tax earnings (PPE) rose by 1.29% to $14.9 million and total interest income increased by 6.09% to $33.7 million for the three months ended September 30, 2025, compared to the prior quarter.
The Bank's capital levels as of September 30, 2025, were significantly above minimum regulatory requirements, with a Tier 1 leverage ratio of 12.71%, a Tier 1 risk-based capital ratio of 14.23%, and a total risk-based capital ratio of 15.44%.