Slides
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0Q3 2026Earnings ReleaseOctober 15, 2026
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1 Earnings Release: Q3 2026 BSVN – Corporate OverviewConsistently ranked by S & P Global Market Intelligence as one of the Top Performing Community Banks in the United States ■Consistently produce top tier earnings and ROATCE(3)■Proven ability to maintain a healthy net interest margin through various interest rate cycles■Abundant liquidity and a properly matched balance sheet■Disciplined credit culture that adheres to our comprehensive risk management practices■High level of capital provides comfort and flexibility■EPS: Strong performance not driven by share buybacks■Dividend Payout Ratio: 24.8%(4), which is lower than the average 34% pay out ratio for dividend-paying banks(5)■Shareholder alignment due to 55% insider ownershipDollars in thousands, except per share data. All data as of September 30, 2026, unless indicated otherwise(1) Pre-provision pre-tax earnings (“PPE”) and net interest margin excluding loan fees are non-GAAP financial measures. See appendix for reconciliation to their most comparable GAAP measure(2) Adjusted core are non-GAAP financial measures. See appendix for reconciliation to their most comparable GAAP measures(3) See slide 6 for the corresponding comparison between BSVN and peer group(4) For the rolling four quarters ended September 30, 2026(5) Exchange-traded banks nationwide; Source: S&P Global Market Intelligence. As of Q2 2026, the latest data available Q3 2026 Q2 2026 % ChangeTotal assets 2,006,986$ 1,914,327$ 4.8%Total loans 1,632,888 1,597,350 2.2%Total deposits 1,721,058 1,637,803 5.1%Net income 10,203 8,346 22.3%Pre-provision pre-tax earnings(1)13,620 11,015 23.6%Diluted Earnings per share 1.06 0.87 21.8%Net interest margin, ex. loan fees(1)4.38% 4.53% -3.3%ROAA 2.13% 1.80% 18.3%Adjusted Core(2) EarningsQ3 2026 Q2 2026 % ChangeNet income 10,719 10,183 5.3%Pre-provision pre-tax earnings(1)14,309 13,464 6.3%Diluted Earnings per share 1.11 1.06 4.7%
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2 Earnings Release: Q3 2026 Q3 OverviewExcellent Asset QualitySolid loan growth from our healthy pipeline, despite significant payoffsEPSր $1.06; core EPS of $1.11 Մ1ՅPPEր $13.62 million; core PPE of $14.31 millionՄ1ՅROAAր 2.13%; core ROAA of 2.24%Մ1ՅROATCEր 15.60%; core ROATCE of 16.50%Մ1ՅNIM (excluding loan fee income): 4.38%Performance Announced agreement to acquire Century Financial for ֧137 million, extending the franchise into New Mexico and adding roughly $1.2 billion of legacy depositsRegulatory and shareholder approval is in hand, expect to close on November 1, 2026. The combined organization will be approx. $3.3 billion in assets with projected EPS accretion of 25%֡Մ2ՅStrategic Acquisition of Century FinancialStrong earnings, low dividend payout ratio, no debt, no HTM securitiesSignificantly higher than the regulatory “well capitalized” thresholdsRBCր 16.30%CET1ր 15.17%Tier 1 Leverage: 14.12%TCE/TAր 13.12%Prudent Capital ManagementTenured team of commercial bankers in dynamic marketsNCO: 4bpsNPAs/TL: 0.45%ACL/NPLs: 260.80%ACL/TL: 1.19%Dollars in thousands except per share data. All data as of September 30, 2026, unless indicated otherwise(1)Represents a non-GAAP financial measure. See appendix page 23 for reconciliation to its most comparable GAAP measureՄ2ՅBased on the transaction assumptions in the Investor Presentation furnished as Exhibit 99.2 to the Company's Current Report on Form 8՞K filed with the SEC on September 17, 2026
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3 Earnings Release: Q3 2026 Maximizing Our Employee Base $12.9 $13.7 $14.0 $15.7 $15.7 1.96%1.98%2.15%2.14%2.04%0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%4.50%5.00% $- $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 $16.02022 2023 2024 2025 Q3 2026Assets / FTE Employee (Millions)Noninterest expense to average assets PPE(1)Strength in Core Earnings $35.1 $43.9 $58.4 $60.4 $57.5 $11.0 $13.6 $- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.02021 2022 2023 2024 2025 Q2 2026 Q3 2026 Dollars are in millionsFinancial data is as of or for the twelve months ended December 31 of each respective year and as of or for the three months ended June 30, 2026 and September 30, 2026Մ1ՅPre-provision, pre-tax earnings (“PPE”) is a non-GAAP financial measure. See appendix for reconciliation to its most comparable GAAP measure(2)Represents a non-GAAP financial measure. See appendix page 23 for reconciliation to its most comparable GAAP measure PPE was driven by:■Disciplined loan pricing■Consistent NIM■Expense controlsWe achieve maximum productivity by:■Having fewer but higher quality bankers■Operating an efficient delivery system with a strict adherence to processCore(2)$14.3Core(2)$13.5
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4 Earnings Release: Q3 2026 Return on Average Tangible Common Equity 5 year average: 21.4% 20.13%23.92%18.57%25.00%19.47%13.30%15.60%0.00%5.00%10.00%15.00%20.00%25.00%30.00%2021 2022 2023 2024 2025 Q2 2026 Q3 2026Efficiency Ratio 5 year average: 38.1% 36.76%39.29%36.07%37.90%40.24%51.78%41.60%0.00%10.00%20.00%30.00%40.00%50.00%60.00%2021 2022 2023 2024 2025 Q2 2026 Q3 2026 Return on Average Assets 5 year average: 2.2% 2.21%2.02%1.68%2.65%2.37%1.80%2.13%0.00%0.50%1.00%1.50%2.00%2.50%3.00%2021 2022 2023 2024 2025 Q2 2026 Q3 2026Consistent Top Performer Dollars in thousandsFinancial data is as of or for the twelve months ended December 31 of each respective year and as of or for the three months ended June 30, 2026 and September 30, 2026(1)Represents a non-GAAP financial measure. See appendix page 23 for reconciliation to its most comparable GAAP measureՄ2ՅA non-GAAP measurement that excludes oil and gas non-interest expense of $Մ11Յ and acquisition related expense and consulting fees of $677■Performance ratios remain top-tier and within our historical rangesCore (2)38.75%Core(1)16.50%Core(1)2.24%Core(1)16.45%Core(1)2.20%Core (2)41.13%
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5 Earnings Release: Q3 2026 Diluted Earnings Per Share $2.05 $2.55 $3.22 $3.05 $4.84 $4.50 $0.87 $1.06 $- $1.00 $2.00 $3.00 $4.00 $5.00 $6.002020 2021 2022 2023 2024 2025 Q2 2026 Q3 2026Tangible Book Value Per Share(1) CAGR since 2018: 16.4% $8.49 $9.78 $11.69 $12.93 $14.69 $17.49 $21.71 $25.26 $27.49 $- $5.00 $10.00 $15.00 $20.00 $25.00 $30.002018 2019 2020 2021 2022 2023 2024 2025 Q3 2026EPS:No share repurchases since 2020 Reliable and Rapid Capital Compounder Dollars and shares in thousands, except per share dataՄ1ՅTangible book value per share is a non-GAAP financial measure, and is calculated by dividing “Total tangible shareholders’ equity” by “Shares outstanding”. See appendix for reconciliation to its most comparable GAAP measureConsistently strong earnings increased TBV despite three factors:$0.85 per share paid for an all-cash acquisition in Q4 2021$0.34 per share AOCI unrealized loss from investmentsPaid ֧20% of earnings as cash dividends since IPO Մ$5.43 per share)YE 2018 Q3 2026 % Change $ ChangeTotal tangible shareholders' equity 86,471$ 261,859$ 202.8% 175,388$ Shares outstanding 10,187.5 9,525.9 -6.5% (661.6) Tangible book value per share 8.49$ 27.49$ 223.9% 19.00$ Cash dividends per share since IPO as a % of 2018 TBV per share 64.0% 5.43$ Overall Return:287.8% 24.43$
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6 Earnings Release: Q3 2026 Consistently Outperforming our Peer Group 1.46%1.21%1.09%1.37%1.61%2.99%3.46%3.50%3.16%2.37%0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%2022 2023 2024 2025 Q2 2026PeersBSVNIncome Statement as a Percentage of Average AssetsPPE to Average Assets vs Peers Մ1ՅPeer group is defined as exchange-traded banks nationwide with assets between $500mm-$5bn Մ121 banks); Source: S&P Global Market IntelligenceՄ2ՅAs of Q2 2026, the latest data availableՄ3ՅIncludes loan fee income for comparability with peer dataPeer Group Median(1)BSVNPeer Group Median(1)BSVNPeer Group Median(1)BSVNPeer Group Median(1)BSVNPeer Group Median(1)BSVNNet Interest Income 3.20% 4.74% 3.02% 4.89% 2.93% 5.00% 3.23% 4.83% 3.47% 4.72%Pre-provision pre-tax earnings 1.46% 2.99% 1.21% 3.46% 1.09% 3.50% 1.37% 3.16% 1.61% 2.37%Provision Expense 0.08% 0.31% 0.08% 1.25% 0.07% 0.00% 0.12% 0.04% 0.09% 0.00%Net Income 1.07% 2.02% 0.86% 1.68% 0.78% 2.65% 0.94% 2.37% 1.11% 1.80%ROATCE 13.69% 23.92% 11.37% 18.57% 10.00% 25.00% 11.42% 19.47% 11.74% 13.30%Net Interest Margin(3)3.44% 4.82% 3.26% 4.97% 3.13% 5.11% 3.46% 4.94% 3.66% 4.81%Efficiency Ratio 61.12% 39.29% 65.50% 36.07% 68.11% 37.90% 62.52% 40.24% 59.63% 51.78%Q2 2026(2)2022 2023 2024 2025
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7 Earnings Release: Q3 2026 A CAGR since 2018: 16.8% BSVN Compared to All Major Exchange Traded Banks Source: S&P Global Market Intelligence and FactSet; Market data as of 9/30/2026Total shareholder return includes the reinvestment of dividendsՄ1ՅTangible book value per share is a non-GAAP financial measure. See appendix for reconciliation to its most comparable GAAP measureՄ2ՅPublic banks include all major exchange-traded banks nationwide Մ291 banks)Total Shareholder Return Since BSVN’s IPO (9/2018)BSVN’s TBVPS(1) Since FYE 2018 (2)Median: 61.4% Public Banks Median CAGRր 6.7%Մ1Յ BSVNPublic Banks Median $8.49 $9.78 $11.69 $12.93 $14.69 $17.49 $21.71 $25.26 $0.00$5.00$10.00$15.00$20.00$25.00$30.002018Y 2019Y 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y192.8% OutperformanceBSVN: 254.3%(100.0%)(50.0%)0.0%50.0%100.0%150.0%200.0%250.0%300.0%9/20/2018 9/20/2019 9/20/2020 9/20/2021 9/20/2022 9/20/2023 9/20/2024 9/20/2025 9/20/2026$100 invested in BSVN since IPO would be worth $354.26 now$100 invested in an index of all public banks since BSVN’s IPO would be worth $161.42 now
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8 Earnings Release: Q3 2026 Consistent Net Interest Margin Financial data is as of or for the twelve months ended December 31 of each respective year and as of or for the three months ended June 30, 2026 and September 30, 2026Net interest margin (excluding loan fee income) is a non-GAAP financial measure, see Appendix for reconciliation to the most comparable GAAP measure for this metric 4.38%4.38%4.60%4.75%4.61%4.53%4.38%0.74%0.44%0.37%0.35%0.34%0.28%0.39%5.12%4.82%4.97%5.11%4.94%4.81%4.77%2021 2022 2023 2024 2025 Q2 2026 Q3 2026 Loan Fee Income Contribution ■Net interest margin remains within our historical range, and is driven by disciplined loan pricing that is funded by a broad and deep funding base
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9 Earnings Release: Q3 2026 We Achieve a Steady Spread thru Various Rate Cycles 0.00%1.00%2.00%3.00%4.00%5.00%6.00%7.00%8.00%9.00% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026Yield on Loans(1)Cost of FundsBSVN Spread10 Yr Treasury YieldFinancial data calculated using annual averagesՄ1ՅExcluding loan fee income
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10 Earnings Release: Q3 2026 Asset Sensitivity Repricing and Liquidity Dollars in thousands, all data as of September 30, 2026, unless indicated otherwiseՄ1Յ$1.22 billion of gross loans reprice daily Asset Sensitivity Repricing Schedule< 1 year 1 to 2 years 2 to 3 years > 3 years TotalEarning Assets:Cash and cash equivalents, and interest-bearing time deposits 277,176$ -$ -$ -$ 277,176$ Gross Loans 1,506,824 53,982 24,987 50,141 1,635,934 Securities 7,467 5,701 4,309 30,062 47,539 Total1,791,467$ 59,683$ 29,296$ 80,203$ 1,960,649$ % of Total 91.38% 3.04% 1.49% 4.09% 100.00%Մ1Յ■Uninsured deposits total $385.61 million (22.41% of total). Adjusted for insider and collateralized deposits, uninsured deposits are $316.32 million (18.38% of total)■With $826.00 million in cash, securities, and undrawn lines of credit, we have 2.61x coverage of adjusted uninsured depositsUninsured Deposits | Cash/LiquidityLiquidity Q3 2026Uninsured Deposits 385,610$ Less: Related Party Deposits (54,343) Less: Collateralized Deposits (14,947) Adjusted Uninsured Deposits 316,320$ Q3 2026Cash and cash equivalents, and interest-bearing time deposits277,176$ Undrawn Lines-of-Credit 518,514 Unpledged Securities 30,309 Cash/Available Liquidity 825,999$
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11 Earnings Release: Q3 2026 Deposit Composition Deposit CompositionCAGR since 2021: 7.6% 30.1%30.7%30.3%20.7%20.1%19.1%69.9%69.3%69.7%79.3%79.9%80.9% $1,217.5 $1,429.3 $1,591.4 $1,515.5 $1,700.8 $1,721.1 2021 2022 2023 2024 2025 Q3 2026Noninterest-bearing depositsInterest-bearing depositsNoninterest-bearing demand $328.1 / 19.1%NOW deposits $733.8 / 42.6%Money Markets $281.3 / 16.3%Savings$84.7 / 4.9%Time deposits ֛250K $190.1 / 11.0%Time deposits > $250K$103.0 / 6.0%Dollars in millions, all data as of September 30, 2026, unless indicated otherwise
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12 Earnings Release: Q3 2026 Loan Portfolio Trends $280.8 (39.6%) $338.8 (40.4%) $469.3 (45.5%) $518.9 (40.7%) $540.4 (39.6%) $633.1 (45.3%) $731.5 (45.5%) $783.5 (47.9%) $167.0 (23.6%) $194.0 (23.1%) $199.9 (19.4%) $244.3 (19.2%) $298.5 (21.9%) $259.1 (18.5%) $310.5 (19.3%) $316.1 (19.3%) $158.6 (22.4%) $204.3 (24.4%) $245.1 (23.8%) $327.6 (25.7%) $334.6 (24.5%) $373.5 (26.7%) $410.7 (25.5%) $411.7 (25.2%) $102.1 (14.4%) $102.0 (12.2%) $116.7 (11.3%) $182.8 (14.4%) $190.5 (14.0%) $133.3 (9.5%) $156.7 (9.7%) $124.6 (7.6%) $708.6$839.1$1,031.0$1,273.6$1,364.0$1,399.0$1,609.4$1,635.9 -$100$100$300$500$700$900$1,100$1,300$1,500$1,700 2019 2020 2021 2022 2023 2024 2025 Q3 2026OtherHospitalityC&IEnergy Loan Portfolio Trends – Selected Categories Dollars in millionsՄ1ՅNo single loan category within 'Other' exceeds 10% of the total loan portfolio CAGR Since 2021ր 10.2% (1)
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13 Earnings Release: Q3 2026 Loan Portfolio Distribution Dollars are in millions. Data as of September 30, 2026Loan PortfolioSelected Categories Agricultural Non-Farmland $33.5 / 2.0%Agricultural Farmland$39.4 / 2.4%Hospitality construction$3.0 / 0.2%Commercial construction $178.1 / 10.9%1-4 family construction $67.8 / 4.1%1-4 family (commercial purpose) $135.5 / 8.3%Owner-occupied CRE $135.0 / 8.3%Hospitality - operational properties CRE$313.1 / 19.1%Non-owner-occupied CRE $180.2 / 11.0%Energy - midstream$2.8 / 0.2%Energy - service companies$49.6 / 3.0%Energy - mineral / royalty interest $7.0 / 0.4%Energy - exploration & production $65.2 / 4.0%Commercial and industrial $411.7 / 25.2%Consumer $14.0 / 0.9% Industry Q3 2026% of Total Loans Q2 2026% of Total LoansCommercial & Industrial 411.73$ 25.17% 413.14$ 25.82%Hospitality 316.10 19.32% 290.90 18.18%Energy 124.60 7.62% 130.20 8.14%
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14 Earnings Release: Q3 2026 Diverse CRE Portfolio with Very Low Historical Losses Dollars are in millions. Data as of September 30, 2026 ■Diverse commercial real estate lending activity in Texas and Oklahoma with an emphasis in the DFW, Oklahoma City, and Tulsa metros■No office exposure to downtown metropolitan locations■Construction lending activity primarily in Oklahoma City and the Dallas metroplex with an emphasis on entry level homes with established homebuilders■Limited lot and development lending activity■Hospitality niche managed by seasoned professionals with proven track record through various economic cyclesCONSTRUCTIONOWNER OCCUPIED Industrial $73.6 / 7.3%Office$29.6 / 2.9%Retail $11.6 / 1.1%Restaurant $0.7 / 0.1%Other $19.6 / 1.9%1-4 Family$67.8 / 6.7%Residential Lots - Existing$8.8 / 0.9%Residential Lots ՞ Construction $16.2 / 1.6%Commercial Lots ՞ Existing $19.2 / 1.9%Commercial Lots - Construction$10.9 / 1.1%Hospitality $3.0 / 0.3%Multifamily $20.3 / 2.0%Industrial $4.9 / 0.5%Retail$39.8 / 3.9%Office$20.3 / 2.0%Restaurant $1.5 / 0.2%Raw Land $31.1 / 3.1%Other CRE$5.1 / 0.5%Hospitality $313.1 / 30.9%1՞4 Family ՞ Commercial $135.5 / 13.4%Multifamily $8.7 / 0.9%Retail$71.9 / 7.1%Office$56.5 / 5.6%Restaurant $10.2 / 1.0%Industrial $31.6 / 3.1%Other$1.4 / 0.1%
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15 Earnings Release: Q3 2026 Hotel Portfolio by ClassEconomy $64.48 / 20.4%Midscale $186.37 / 59.0%Upper Midscale$29.60 / 9.4%Upscale$35.67 / 11.3%Hotel Portfolio by Location Hospitality Loan Portfolio – A Source of Strength Dollars are in millions. Data as of September 30, 2026 ■Blue collar portfolio that is well-protected by the “cycle-down” effect of a recession ■Geographically concentrated in TX (68%) and other markets with favorable economic conditions■Loans personally guaranteed by experienced owner/operators with operating history spanning decades of economic cycles■Diversified lending to many reputable brands■Consistent underwriting fundamentals with disciplined equity requirements, debt coverage ratio requirements, personal recourse, and rapid amortization■Average loan size of $6.26 million■Average LTV of 56%Hotel Portfolio by Location58.97%8.94%32.09%0% 20% 40% 60% 80% 100%Outstanding BalanceDallas / Ft. Worth Metro AreaOther Texas MetrosOther
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16 Earnings Release: Q3 2026 Total AssetsStrategic Growth in Dynamic Markets Dollars are in millionsQ32026202520242023202220212020201920182017201620152014 LPO opened in Tulsa, OK, full-service branch opened in Frisco, TXOklahoma acquisitionFull-service branch opened in Tulsa, OK Completed IPOFull-service branch opened in Irving, TXLPO opened inIrving, TXKansas acquisitionCAGR Since 2014: 13.0% $479.5 $563.5 $613.8 $703.6 $770.5 $866.4 $1,016.7 $1,350.5 $1,584.2 $1,771.7 $1,739.8 $1,963.6 $2,007.0 $(300.0) $200.0 $700.0 $1,200.0 $1,700.0 $2,200.02014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026Oklahoma mortgage acquisitionAnnounced New Mexico acquisition
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17 Earnings Release: Q3 2026 Earnings-driven Capital Shock-absorptionEarnings-driven cushion far exceeds regulatory capital minimums as illustrated over a two-year period, consistent with DFAST parameters(1) Dollars are in thousandsabove assumes no cash dividends and is simply an illustration and should not be considered a projection or forward-looking guidance of any kind(1) DFAST = Dodd-Frank Act Stress Test(2) Excess capital to target ratio expressed in % is the difference between the actual ratio and regulatory minimum divided by the regulatory minimum(3) Excess capital to target ratio expressed in $ is the excess capital % multiplied by either average assets or risk-weighted assets, assuming a static balance sheet over the next 24 months (4) Trailing twelve months PPE of $54.6 million extrapolated over two years Regulatory Minimum Target RatiosQ3 2026 Capital RatiosExcess Capital to Target Ratio Expressed in %(2)Excess Capital to Target Ratio Expressed in $(3)Add: PPE Cushion(4)Total Shock Absorption Ability Prior to Hitting Reg MinimumsTier 1 Leverage 5.00% 14.12% 182.44% 172,434$ + 109,230$ = 281,664$ CET1 7.00% 15.17% 116.71% 142,866$ + 109,230$ = 252,096$ Tier 1 Risk Based Capital 8.50% 15.17% 78.47% 116,635$ + 109,230$ = 225,865$ Total Risk Based Capital 10.50% 16.30% 55.27% 101,492$ + 109,230$ = 210,722$
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18 Appendix
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19 Earnings Release: Q3 2026 Bank7 Corp. Financials Մ1ՅBSVN adopted the CECL model ՄASC326Յ on 1/1/2023 using the modified retrospective method. The presented allowance for periods prior to 1/1/2023 is under the incurred loss model (pre-ASC326ՅՄ2ՅRepresents a non-GAAP financial measure. See non-GAAP reconciliations table for reconciliation to most comparable GAAP measure for this metric Sep 30, 2026 Jun 30, 2026 2025 2024 2023 2022 2021(Dollars in thousands, except per share data)INCOME STATEMENT DATATotal interest income 31,932$ 30,927$ 128,758$ 131,540$ 121,544$ 78,749$ 56,289$ Total interest expense 9,631 9,022 40,885 45,345 38,998 9,322 3,053 Provision for credit losses (1) - - 700 - 21,145 4,468 4,175 Total noninterest income 1,069 1,002 8,503 11,254 9,242 2,939 2,250 Total noninterest expense 9,755 11,892 38,911 37,095 33,420 28,641 20,397 Provision for income taxes 3,412 2,669 13,696 14,656 8,948 9,619 7,755 Pre-tax net income 13,615 11,015 56,765 60,354 37,223 39,257 30,914 Net income 10,203 8,346 43,069 45,698 28,275 29,638 23,159 BALANCE SHEET DATACash and cash equivalents 277,176$ 220,585$ 244,635$ 234,196$ 181,042$ 109,115$ 204,852$ Interest-bearing time deposits in other banks - 1,494 10,457 6,719 17,679 5,474 3,237 Securities available for sale, at fair value 47,539 51,622 54,019 59,941 169,487 173,165 84,808 Nonmarketable equity securities 1,376 1,183 1,165 1,283 1,283 1,209 1,202 Total loans 1,632,888 1,597,350 1,606,431 1,397,383 1,360,838 1,270,457 1,028,401 Allowance for credit losses (1) 19,367 19,512 19,407 17,918 19,691 14,734 10,316 Total assets 2,006,986 1,914,327 1,963,640 1,739,808 1,771,666 1,584,169 1,350,549 Interest-bearing deposits 1,392,947 1,308,563 1,359,417 1,202,213 1,109,042 989,891 850,766 Noninterest-bearing deposits 328,111 329,240 341,416 313,258 482,349 439,409 366,705 Total deposits 1,721,058 1,637,803 1,700,833 1,515,471 1,591,391 1,429,300 1,217,471 Total shareholders’ equity 273,725 266,306 250,995 213,213 170,326 144,100 127,408 SHARES OUTSTANDING AT END OF PERIODEarnings per share (basic) 1.07$ 0.88$ 4.56$ 4.92$ 3.09$ 3.26$ 2.56$ Earnings per share (diluted) 1.06 0.87 4.50 4.84 3.05 3.22 2.55 Dividends per share 0.30 0.27 1.02 0.89 0.74 0.52 0.45 Book value per share 28.73 27.98 26.52 22.71 18.52 15.78 14.04 Tangible book value per share (2) 27.49 26.73 25.26 21.71 17.49 14.69 12.93 Weighted average common shares outstanding–basic 9,524,105 9,519,335 9,444,105 9,290,051 9,161,565 9,101,523 9,056,117 Weighted average common shares outstanding–diluted 9,639,992 9,604,143 9,574,190 9,447,751 9,264,307 9,204,716 9,091,536 Shares outstanding at end of period 9,525,856 9,519,335 9,462,656 9,390,211 9,197,696 9,131,973 9,071,417 For the Three Months Ended For the Year Ended December 31
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20 Earnings Release: Q3 2026 Bank7 Corp. Performance Ratios Մ1ՅAnnualizedՄ2ՅEfficiency ratio is calculated by dividing noninterest expense by the sum of net interest income on a tax equivalent basis and noninterest income Մ3ՅRepresents a non-GAAP financial measure, see non-GAAP reconciliations table for reconciliation to the most comparable GAAP measure for this metricՄ4ՅRatios are based on Bank level financial information rather than consolidated information. At September 30, 2026, Tier 1 leverage ratio, Tier 1 risk based capital ratio, and total risk-based capital ratios were 14.12%, 15.17%, and 16.30% respectively for the Company Sep 30, 2026 Jun 30, 2026 2025 2024 2023 2022 2021(Dollars in thousands, except per share data)RETURN ON AVERAGE(1) Assets 2.13% 1.80% 2.37% 2.65% 1.68% 2.02% 2.21% Tangible common equity(3) 15.60 13.30 19.47 25.00 18.57 23.92 20.13 Shareholders’ equity 14.92 12.70 18.51 23.78 17.46 22.13 26.41Yield on earning assets 6.83 6.79 7.24 7.79 7.31 5.46 5.42Yield on loans 7.46 7.32 7.92 8.56 8.35 6.51 6.16Yield on loans excluding fees(3) 7.01 7.00 7.52 8.13 7.89 5.96 5.30Cost of funds 2.37 2.28 2.59 2.98 2.57 0.70 0.33Cost of int bearing deposits 2.93 2.86 3.25 3.98 3.60 1.05 0.48Cost of total deposits 2.37 2.28 2.59 2.98 2.57 0.70 0.33Net interest margin 4.77 4.81 4.94 5.11 4.97 4.82 5.12Net interest margin excluding loan fees(3) 4.38 4.53 4.61 4.75 4.60 4.38 4.38Noninterest expense to average assets 2.04 2.56 2.14 2.15 1.98 1.96 1.95Efficiency ratio (2) 41.60 51.78 40.24 37.90 36.07 39.29 36.76Loan to deposit ratio 94.88 97.53 94.45 92.21 85.51 88.89 84.47Liquidity ratio 15.22 16.00 17.13 18.59 15.58 13.74 20.60CREDIT QUALITY RATIOSNonperforming assets to total assets 0.37% 0.33% 0.33% 0.43% 1.64% 1.13% 0.77%Nonperforming assets to total loans and OREO 0.45 0.39 0.40 0.54 2.13 1.42 1.01Nonperforming loans to total loans 0.45 0.39 0.40 0.51 2.13 1.42 1.01Allowance for credit losses to nonperforming loans 260.80 309.96 300.42 249.94 67.98 81.95 99.37Allowance for credit losses to total loans 1.19 1.22 1.21 1.28 1.45 1.16 1.00Net charge-offs to average loans 0.04 (0.02) (0.05) 0.13 1.26 0.01 0.39CAPITAL RATIOSTotal shareholders’ equity to total assets 13.64% 13.91% 12.78% 12.25% 9.61% 9.10% 9.43%Tangible equity to tangible assets (3) 13.12 13.37 12.25 11.78 9.13 8.52 8.75Tier 1 leverage ratio (4) 14.12 13.88 12.82 12.18 9.50 9.18 10.55Tier 1 risk-based capital ratio (4) 15.18 15.18 14.09 13.99 11.50 11.26 11.53Total risk-based capital ratio (4) 16.31 16.36 15.25 15.22 12.75 12.42 12.54 For the Three Months Ended For the Year Ended December 31
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21 Earnings Release: Q3 2026 Non-GAAP ReconciliationsSep 30, 2026 Jun 30, 2026 2025 2024 2023 2022 2021(Dollars in thousands, except per share data)TANGIBLE SHAREHOLDERS' EQUITYTotal shareholders equity 273,725$ 266,306$ 250,995$ 213,213$ 170,326$ 144,100$ 127,408$ Goodwill and other intangibles (11,866) (11,898) (11,960) (9,336) (9,489) (9,939) (10,122) Tangible shareholders' equity 261,859 254,408 239,035 203,877 160,837 134,161 117,286 TANGIBLE ASSETSTotal assets 2,006,986$ 1,914,327$ 1,963,640$ 1,739,808$ 1,771,666$ 1,584,169$ 1,350,549$ Less: goodwill and other Intangibles (11,866) (11,898) (11,960) (9,336) (9,489) (9,939) (10,122) Tangible assets 1,995,120 1,902,429 1,951,680 1,730,472 1,762,177 1,574,230 1,340,427 AVERAGE TANGIBLE COMMON EQUITYAverage shareholders equity 271,329$ 263,550$ 232,739$ 192,163$ 161,936$ 144,097$ 117,053$ Less: average goodwill and other Intangibles (11,887) (11,918) (11,477) (9,405) (9,688) (9,995) (2,030) Average tangible common equity 259,442 251,632 221,262 182,758 152,248 134,102 115,023 End of period common shares outstanding 9,525,856 9,519,335 9,462,656 9,390,211 9,197,696 9,131,973 9,071,417 Book value per share 28.73 27.98 26.52 22.71 18.52 15.78 14.04 Tangible book value per share 27.49 26.73 25.26 21.71 17.49 14.69 12.93 Total shareholders' equity to total assets 13.64% 13.91% 12.78% 12.25% 9.61% 9.10% 9.43%Tangible shareholders' equity to tangible assets 13.12% 13.37% 12.25% 11.78% 9.13% 8.52% 8.75%LOAN INTEREST INCOME (Excluding loan fees):Total loan interest income, including fees 29,513$ 28,980$ 117,513$ 119,416$ 109,843$ 74,403$ 55,768$ Loan fee income (1,789) (1,250) (5,968) (5,991) (6,099) (6,278) (7,787) Loan interest income excluding loan fees 27,724 27,730 111,545 113,425 103,744 68,125 47,981 Average total loans 1,566,740$ 1,588,481$ 1,483,112$ 1,391,552$ 1,315,578$ 1,143,380$ 905,804$ Yield on loans 7.46% 7.32% 7.92% 8.56% 8.35% 6.51% 6.16%Yield on loans (excluding loan fee income) 7.01% 7.00% 7.52% 8.13% 7.89% 5.96% 5.30%NET INTEREST MARGIN (Excluding loan fees):Net interest income 22,301$ 21,905$ 87,873$ 86,195$ 82,546$ 69,427$ 53,236$ Loan fee income (1,789) (1,250) (5,968) (5,991) (6,099) (6,278) (7,787) Net interest income excluding loan fees 20,512 20,655 81,905 80,204 76,447 63,149 45,449 Average earning assets 1,855,900$ 1,827,912$ 1,778,412$ 1,683,058$ 1,661,860$ 1,441,140$ 1,038,773$ Net interest margin 4.77% 4.81% 4.94% 5.11% 4.97% 4.82% 5.12%Net interest margin (excluding loan fee income) 4.38% 4.53% 4.61% 4.75% 4.60% 4.38% 4.38% For the Three Months Ended For the Year Ended December 31
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22 Earnings Release: Q3 2026 Non-GAAP Reconciliations -- ContinuedSep 30, 2026 Jun 30, 2026 2025 2024 2023 2022 2021(Dollars in thousands, except per share data)PRE-PROVISION PRE-TAX EARNINGSNet Income 10,203$ 8,346$ 43,069$ 45,698$ 28,275$ 29,638$ 23,159$ Income Tax Expense 3,412 2,669 13,696 14,656 8,948 9,619 7,755 Pre-tax net income 13,615 11,015 56,765 60,354 37,223 39,257 30,914 Add back: Provision for credit losses - - 700 - 21,145 4,468 4,175 Add back: (Gain)Loss on sales/calls of AFS debt securities 5 - 10 6 16 127 - Pre-provision pre-tax earnings 13,620$ 11,015$ 57,475$ 60,360$ 58,384$ 43,852$ 35,089$ For the Three Months Ended For the Year Ended December 31
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23 Earnings Release: Q3 2026 Non-GAAP Reconciliations -- ContinuedSep 30, 2026 Jun 30, 2026 2025 2024 2023 2022 2021(Dollars in thousands, except per share data)ADJUSTED CORENet Income 10,203$ 8,346$ 43,069$ 45,698$ 28,275$ 29,638$ 23,159$ Back out: Oil and gas net income (loss) (9) (1,539) 470 2,714 868 - - Back out: One-time after-tax interest income item - - - 774 - - - Back out: After-tax acquisition related expense and consulting fees(508) (298) - - - - - Adjusted core net income 10,719 10,183 42,599 42,210 27,407 29,638 23,159 Pre-provision pre-tax earnings 13,620 11,015 57,475 60,360 58,384 43,852 35,089 Back out: Oil and gas pre-tax income (loss) (11) (2,052) 627 3,618 1,157 - - Back out: One-time pre-tax interest income item - - - 1,021 - - - Back out: Pre-tax acquisition related expense and consulting fees(677) (397) - - - - - Adjusted core pre-provision pre-tax earnings 14,309 13,464 56,848 55,721 57,227 43,852 35,089 Adjusted core net income 10,719 10,183 42,599 42,210 27,407 29,638 23,159 Weighted average common shares outstanding–diluted 9,639,992 9,604,143 9,574,190 9,447,751 9,264,307 9,204,716 9,091,536 Adjusted core earnings per share (diluted) 1.11 1.06 4.45 4.47 2.96 3.22 2.55 Adjusted core net income 10,719 Average assets 1,896,408 Back out: Average oil and gas assets - Adjusted core average assets 1,896,408 Adjusted core return on average assets 2.24%Adjusted core net income 10,719 Average tangible common equity 259,442 Back out: Average oil and gas tangible common equity (1,718) Adjusted core average tangible common equity 257,724 Adjusted core return on tangible common equity 16.50% For the Three Months Ended For the Year Ended December 31
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24 Earnings Release: Q3 2026 Available-for-Sale Securities PortfolioInvestment Portfolio Dollars are in millions.Մ1ՅAll mortgage-backed securities and collateralized mortgage obligations are issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored entities.Մ2ՅTotal investment securities of $47.5 million as of September 30, 2026■Weighted Average Duration: 3.4 Years■Book Yield: 2.39%Municipal - Taxable $4.73 / 9.9%Municipal - Tax Exempt$9.49 / 20.0%U.S. Treasuries$5.51 / 11.6%Mortgage Backed Securities $22.57 / 47.5%U.S. Federal Agencies$- / 0.0%Corporate $5.24 / 11.0%
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25 Earnings Release: Q3 2026 Legal Information and DistributionThis presentation and oral statements made regarding the subject of this presentation contain forward-looking statements, including expectations regarding combined deposits and assets following the acquisition of Century Financial Services Corporation (“Century”) and expected accretion to earnings per share as a result of the Century acquisition. These forward-looking statements are subject to significant uncertainties because they are based upon: the timing of closing the Century acquisition; the amount and timing of future changes in interest rates, market behavior, and other economic conditions; future laws, regulations, and accounting principles; changes in regulatory standards and examination policies, and a variety of other matters. These other matters include, among other things, the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. These forward-looking statements reflect Bank7 Corp.’s current views with respect to, among other things, future events and Bank7 Corp.’s financial performance. Any statements about Bank7 Corp.’s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as “anticipate,” “believes,” “can,” “could,” “may,” “predicts,” “potential,” “should,” “will,” “estimate,” “plans,” “projects,” “continuing,” “ongoing,” “expects,” “intends” and similar words or phrases. Any or all of the forward-looking statements in (or conveyed orally regarding) this presentation may turn out to be inaccurate. The inclusion of or reference to forward-looking information in this presentation should not be regarded as a representation by Bank7 Corp. or any other person that the future plans, estimates or expectations contemplated by Bank7 Corp. will be achieved. Bank7 Corp. has based these forward-looking statements largely on its current expectations and projections about future events and financial trends that Bank7 Corp. believes may affect its financial condition, results of operations, business strategy and financial needs. Bank7 Corp.’s actual results could differ materially from those anticipated in such forward-looking statements as a result of risks, uncertainties and assumptions that are difficult to predict. If one or more events related to these or other risks or uncertainties materialize, or if Bank7 Corp.’s underlying assumptions prove to be incorrect, actual results may differ materially from what Bank7 Corp. anticipates. You are cautioned not to place undue reliance on forward-looking statements. Further, any forward-looking statement speaks only as of the date on which it is made and Bank7 Corp. undertakes no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as may be required by law. All forward-looking statements herein are qualified by these cautionary statements.Within this presentation, we reference certain market, industry and demographic data, forecasts and other statistical information. We have obtained this data, forecasts and information from various independent, third party industry sources and publications. Nothing in the data, forecasts or information used or derived from third party sources should be construed as advice. Some data and other information are also based on our good faith estimates, which are derived from our review of industry publications and surveys and independent sources. We believe that these sources and estimates are reliable, but have not independently verified them. Statements as to our market position are based on market data currently available to us. Although we are not aware of any misstatements regarding the economic, employment, industry and other market data presented herein, these estimates involve inherent risks and uncertainties and are based on assumptions that are subject to change.This presentation includes certain non-GAAP financial measures. These non-GAAP financial measures should not be considered in isolation, and should be considered as additions to, and not substitutes for or superior to, measures of financial performance prepared in accordance with GAAP. There are a number of limitations related to the use of these non-GAAP financial measures versus their nearest GAAP equivalents. For example, other companies may calculate non-GAAP financial measures differently or may use other measures to evaluate their performance, all of which could reduce the usefulness of Bank7 Corp.’s non-GAAP financial measures as tools for comparison. See the table in the appendix of this presentation for a reconciliation of the non-GAAP financial measures used in (or conveyed orally during) this presentation to their most directly comparable GAAP financial measures.
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