Bank7 Corp (BSVN) 8-K exhibit — ef20057123

Exhibit 99.1

FOR IMMEDIATE RELEASE: Bank7 Corp. Announces Q3 2025 Earnings

Oklahoma City, October 15, 2025 – Bank7 Corp. (NASDAQ: BSVN) (“the Company”), the parent company of Oklahoma City-based Bank7 (the “Bank”), today reported unaudited results for the quarter ended September 30, 2025. “We are delighted to announce another solid quarter, evidenced by strong PPE from our properly matched balance sheet and a resilient core net interest margin. Our robust capital ratios, exceptional liquidity, and location in dynamic geographical markets positions us for sustained growth in 2025,” said Thomas L. Travis, President and CEO of the Company.

For the three months ended September 30, 2025 compared to the three months ended June 30, 2025:

Net income of $10.8 million compared to $11.1 million, a decrease of 2.35%

Earnings per share of $1.13 compared to $1.16, a decrease of 2.59%

Total assets of $1.9 billion compared to $1.8 billion, an increase of 3.00%

Total loans of $1.5 billion compared to $1.5 billion, an increase of 2.46%

Pre-provision pre-tax earnings (“PPE”) of $14.9 million compared to $14.7 million, an increase of 1.29%

Total interest income of $33.7 million compared to $31.8 million, an increase of 6.09%

Both the Bank’s and the Company’s capital levels continue to be significantly above the minimum levels required to be designated as “well-capitalized” for regulatory purposes. On September 30, 2025, the Bank’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 12.71%, 14.23%, and 15.44%, respectively. On September 30, 2025, on a consolidated basis, the Company’s Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 12.71%, 14.22%, and 15.43%, respectively. Designation as a well-capitalized institution under regulations does not constitute a recommendation or endorsement by bank regulators.

Non-GAAP Financial Measures:

This earnings release contains the non-GAAP financial measure pre-provision pre-tax earnings. The Company’s management uses this non-GAAP measure in their analysis of the Company’s performance. This measure adjusts GAAP performance to exclude from net income, income tax expense, provision for credit losses, and loss on sales and calls of available-for-sale debt securities.

	For the Three Months Ended
	September 30, 2025		June 30, 2025
Calculation of Pre-Provision Pre-Tax Earnings (“PPE”)	(Dollars in thousands)
Net Income	$	10,844	$	11,105
Income Tax Expense		3,342		3,602
Pre-tax net income		14,186		14,707
Add back: Provision for credit losses		700		-
Add back: (Gain)Loss on sales/calls of AFS debt securities		10		-
Pre-provision pre-tax earnings	$	14,896	$	14,707

Unaudited Condensed Consolidated Balance Sheets

(Dollar amounts in thousands, except par value)

Assets	September 30, 2025 (unaudited)			December 31, 2024
	(Dollars in thousands)
Cash and due from banks	$	241,768		$	234,196
Interest-bearing time deposits in other banks		14,935			6,719
Available-for-sale debt securities (amortized cost of $58,771 and $66,445 at September 30, 2025 and December 31, 2024)		54,858			59,941
Loans, net of allowance for credit losses of $19,405 and $17,918 at September 30, 2025 and December 31, 2024, respectively		1,514,822			1,379,465
Loans held for sale		1,883			-
Premises and equipment, net		21,057			18,137
Nonmarketable equity securities		1,169			1,283
Core deposit intangibles		784			878
Goodwill		11,208			8,458
Interest receivable and other assets		28,951			30,731

Total assets	$	1,891,435		$	1,739,808

Liabilities and Shareholders’ Equity

Deposits
Noninterest-bearing	$	340,985		$	313,258
Interest-bearing		1,295,842			1,202,213

Total deposits		1,636,827			1,515,471

Income taxes payable		146			77
Interest payable and other liabilities		12,726			11,047

Total liabilities		1,649,699			1,526,595

Shareholders’ equity
Common stock, $0.01 par value; 50,000,000 shares authorized; shares issued and outstanding: 9,451,979 and 9,390,211 at September 30, 2025and December 31, 2024, respectively		95			94
Additional paid-in capital		103,184			101,809
Retained earnings		141,478			116,281
Accumulated other comprehensive loss		(3,021	)		(4,971	)

Total shareholders’ equity		241,736			213,213

Total liabilities and shareholders’ equity	$	1,891,435		$	1,739,808

Unaudited Condensed Consolidated Statements of Comprehensive Income

(Dollar amounts in thousands, except per share data)

	Three Months Ended						Nine Months Ended
	September 30,						September 30,
	2025 (unaudited)			2024 (unaudited)			2025 (unaudited)			2024 (unaudited)
Interest Income	(Dollars in thousands)
Loans, including fees	$	30,914		$	30,791		$	87,207		$	89,834
Interest-bearing time deposits in other banks		160			177			406			675
Debt securities, taxable		266			303			827			2,266
Debt securities, tax-exempt		60			69			187			214
Other interest and dividend income		2,317			2,148			7,315			6,221

Total interest income		33,717			33,488			95,942			99,210

Interest Expense
Deposits		10,691			12,271			30,334			34,752

Total interest expense		10,691			12,271			30,334			34,752

Net Interest Income		23,026			21,217			65,608			64,458

Provision for Credit Losses		700			-			700			-

Net Interest Income After Provision for Credit Losses		22,326			21,217			64,908			64,458

Noninterest Income
Mortgage lending income		391			103			1,000			233
Loss on sales, prepayments, and calls of available-for-sale debt securities		(10	)		(4	)		(10	)		(4	)
Service charges on deposit accounts		248			233			697			742
Other		1,581			3,345			4,976			7,881

Total noninterest income		2,210			3,677			6,663			8,852

Noninterest Expense
Salaries and employee benefits		5,829			5,333			16,829			15,740
Furniture and equipment		342			258			954			813
Occupancy		668			711			1,890			1,985
Data and item processing		515			498			1,615			1,437
Accounting, marketing and legal fees		221			218			484			582
Regulatory assessments		248			261			545			984
Advertsing and public relations		212			129			629			358
Travel, lodging and entertainment		112			87			289			270
Other		2,203			1,903			5,729			5,507

Total noninterest expense		10,350			9,398			28,964			27,676

Income Before Taxes		14,186			15,496			42,607			45,634
Income tax expense		3,342			3,719			10,322			11,045
Net Income	$	10,844		$	11,777		$	32,285		$	34,589

Earnings per common share - basic	$	1.15		$	1.26		$	3.42		$	3.73
Earnings per common share - diluted		1.13			1.24			3.38			3.68
Weighted average common shares outstanding - basic		9,450,984			9,323,622			9,440,655			9,264,616
Weighted average common shares outstanding - diluted		9,597,914			9,498,318			9,565,726			9,402,214

Other Comprehensive Income
Unrealized gains on securities, net of tax expense of $223 and $515 for the three months ended September 30, 2025 and 2024, respectively; net of tax expense of $406 and $638 for the nine months ended September 30, 2025 and 2024, respectively	$	713		$	1,628		$	1,942		$	2,025
Reclassification adjustment for realized losses included in net income net of tax of $2 and $1 for the three months ended September 30, 2025, and 2024, respectively; $2 and $1 for the nine months ended September 30, 2025 and 2024, respectively		8			3			8			3
Other comprehensive income	$	721		$	1,631		$	1,950		$	2,028
Comprehensive Income	$	11,565		$	13,408		$	34,235		$	36,617

	Net Interest Margin
	For the Three Months Ended September 30,
	2025 (unaudited)							2024 (unaudited)
	Average Balance		Interest Income/ Expense		Average Yield/ Rate			Average Balance		Interest Income/ Expense		Average Yield/ Rate
	(Dollars in thousands)
Interest-Earning Assets:
Short-term investments	$	228,755	$	2,477		4.30	%	$	191,583	$	2,325		4.81	%
Debt securities, taxable-equivalent		45,853		266		2.30			51,172		303		2.35
Debt securities, tax exempt		11,972		60		1.99			16,889		69		1.62
Loans held for sale		1,780		-		-			250		-		-
Total loans(1)		1,512,147		30,914		8.11			1,418,512		30,791		8.61
Total interest-earning assets		1,800,507		33,717		7.43			1,678,406		33,488		7.92
Noninterest-earning assets		42,578							40,002
Total assets	$	1,843,085						$	1,718,408

Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts	$	1,040,322	$	8,388		3.20	%	$	922,117	$	9,237		3.97	%
Time deposits		233,433		2,303		3.91			253,640		3,034		4.75
Total interest-bearing deposits		1,273,755		10,691		3.33			1,175,757		12,271		4.14
Total interest-bearing liabilities	$	1,273,755		10,691		3.33		$	1,175,757		12,271		4.14

Noninterest-bearing liabilities:
Noninterest-bearing deposits	$	320,238						$	332,487
Other noninterest-bearing liabilities		11,501							12,221
Total noninterest-bearing liabilities		331,739							344,708
Shareholders’ equity		237,591							197,943
Total liabilities and shareholders’ equity	$	1,843,085						$	1,718,408

Net interest income			$	23,026						$	21,217
Net interest spread						4.10	%						3.78	%
Net interest margin						5.07	%						5.02	%

(1)	Nonaccrual loans are included in total loans

	Net Interest Margin
	For the Nine Months Ended September 30,
	2025 (unaudited)							2024 (unaudited)
	Average Balance		Interest Income/ Expense		Average Yield/ Rate			Average Balance		Interest Income/ Expense		Average Yield/ Rate
	(Dollars in thousands)
Interest-Earning Assets:
Short-term investments	$	238,118	$	7,721		4.34	%	$	180,426	$	6,896		5.09	%
Debt securities, taxable-equivalent		47,248		827		2.34			103,507		2,266		2.92
Debt securities, tax exempt		12,327		187		2.03			17,468		214		1.63
Loans held for sale		1,453		-		-			281		-		-
Total loans(1)		1,453,557		87,207		8.02			1,381,200		89,834		8.66
Total interest-earning assets		1,752,703		95,942		7.32			1,682,882		99,210		7.85
Noninterest-earning assets		41,871							39,499
Total assets	$	1,794,574						$	1,722,381

Funding sources:
Interest-bearing liabilities:
Deposits:
Transaction accounts	$	1,001,583	$	23,182		3.09	%	$	872,635	$	25,726		3.93	%
Time deposits		235,278		7,152		4.06			255,348		9,026		4.71
Total interest-bearing deposits		1,236,861		30,334		3.28			1,127,983		34,752		4.10
Total interest-bearing liabilities	$	1,236,861	$	30,334		3.28		$	1,127,983	$	34,752		4.10

Noninterest-bearing liabilities:
Noninterest-bearing deposits	$	319,346						$	395,822
Other noninterest-bearing liabilities		10,657							12,219
Total noninterest-bearing liabilities		330,003							408,041
Shareholders’ equity		227,710							186,357
Total liabilities and shareholders’ equity	$	1,794,574						$	1,722,381

Net interest income			$	65,608						$	64,458
Net interest spread						4.04	%						3.75	%
Net interest margin						5.00	%						5.10	%

(1)	Nonaccrual loans are included in total loans

About Bank7 Corp.

We are Bank7 Corp., a bank holding company headquartered in Oklahoma City, Oklahoma. Through our wholly-owned subsidiary, Bank7, we operate twelve locations in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area and Kansas. We are focused on serving business owners and entrepreneurs by delivering fast, consistent and well-designed loan and deposit products to meet their financing needs. We intend to grow organically by selectively opening additional branches in our target markets as well as pursue strategic acquisitions.

Conference Call

Bank7 Corp. has scheduled a conference call to discuss its third quarter results, which will be broadcast live over the Internet, on Wednesday, October 15, 2025 at 9:00 a.m. central standard time. To participate in the call, dial 1-888-348-6421, or access it live over the Internet at https://app.webinar.net/7lgm0NeVnjQ. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/7lgm0NeVnjQ shortly after the call for 1 year.

Cautionary Statements Regarding Forward-Looking Information

This communication contains a number of forward-looking statements. 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.

These forward-looking statements are subject to significant uncertainties because they are based upon: 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 impact the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. 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.

Contact:

Thomas Travis
President & CEO
(405) 810-8600

Bank7 Corp — 8-K exhibit