Exhibit 99.2
Q1 2026 Earnings Release BSVN April 14, 2026
BSVN – Corporate Overview Consistently 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: 21.6%, which is lower than the average 34% pay out ratio for dividend-paying banks(4) Shareholder alignment due to 55% insider ownership Dollars in thousands, except per share data. All data as of March 31, 2026, unless indicated otherwise 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 Adjusted core are non-GAAP financial measures. See appendix for reconciliation to their most comparable GAAP measures See slide 6 for the corresponding comparison between BSVN and peer group Exchange-traded banks nationwide; Source: S&P Global Market Intelligence. As of Q4 2025, the latest data available
Q1 Overview Excellent Asset Quality Dollars in thousands except per share data. All data as of March 31, 2026, unless indicated otherwise A non-GAAP measurement that excludes oil and gas non-interest expense of $569 and oil and gas revenues of $917 See slide 10 for adjusted uninsured deposit calculation Record EPS: $1.25; driven by core earnings (no share repurchases) Record PPE: $15.82 million ROAA: 2.56% ROATCE: 19.95%; achieved while maintaining all-time high capital levels NIM (excluding loan fee income): 4.60% Efficiency Ratio: 39.64%; core bank efficiency ratio of 38.82%(1) Exceptional Earnings & Profitability Strong earnings, low dividend payout ratio, no debt, no HTM securities Significantly higher than the regulatory “well capitalized” thresholds RBC: 15.96% CET1: 14.78% Tier 1 Leverage: 13.24% TCE/TA: 12.81% Prudent Capital Management Cash + unpledged securities + undrawn credit: $805.58 million (2.42x coverage of $332.28 million(2) adjusted uninsured deposits) Loans repricing in ≤1 year: $1.47 billion (91.78%), with $0.99 billion (61.92%) repricing daily Real-time Yield on Loans: 6.91% Real-time Cost of Funds: 2.27% Consistent Balance Sheet Management Tenured team of commercial bankers in dynamic markets NCO: -1bps (Net recoveries of $0.05 million) NPAs/TL: 0.58% ACL/NPLs: 209.75% ACL/TL: 1.22%
Maximizing Our Employee Base PPE(1) Strength in Core Earnings Dollars are in millions 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 March 31, 2025 and March 31, 2026 Pre-provision, pre-tax earnings (“PPE”) is a non-GAAP financial measure. See appendix for reconciliation to its most comparable GAAP measure Record PPE was driven by: Disciplined loan pricing Consistent NIM Expense controls Strong loan fee income We achieve maximum productivity by: Having fewer but higher quality bankers Operating an efficient delivery system with a strict adherence to process
Return on Average Tangible Common Equity 5 year average: 21.4% Efficiency Ratio 5 year average: 38.1% Return on Average Assets 5 year average: 2.2% Consistent Top Performer 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 March 31, 2025 and March 31, 2026 Performance ratios remain top-tier and within our historical ranges 8.60%
Diluted Earnings Per Share Tangible Book Value Per Share(1) CAGR since 2018: 16.7% EPS: No share repurchases since 2020 Reliable and Rapid Capital Compounder Dollars and shares in thousands, except per share data Tangible 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 measure Consistently strong earnings increased TBV despite three factors: $0.85 per share paid for an all-cash acquisition in Q4 2021 $0.28 per share AOCI unrealized loss from investments Paid ~20% of earnings as cash dividends since IPO ($4.86 per share)
Consistently Outperforming our Peer Group Income Statement as a Percentage of Average Assets PPE to Average Assets vs Peers Peer group is defined as exchange-traded banks nationwide with assets between $500mm-$5bn (128 banks); Source: S&P Global Market Intelligence As of Q4 2025, the latest data available.
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 3/31/2026 Total shareholder return includes the reinvestment of dividends Tangible book value per share is a non-GAAP financial measures. See appendix for reconciliation to its most comparable GAAP measure Public banks include all major exchange-traded banks nationwide (292 banks) Total Shareholder Return Since BSVN’s IPO (9/2018) BSVN’s TBVPS(1) Since FYE 2018 (1) Median: 39.7% Public Banks Median CAGR: 6.7%(1) BSVN Public Banks Median $100 invested in BSVN since IPO would be worth $256.14 now $100 invested in an index of all public banks since BSVN’s IPO would be worth $139.65 now 116.5% Outperformance BSVN: 156.1%
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 March 31, 2025 and March 31, 2026 Net 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 ◼︎ 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 Q1 NIM benefited from accelerated fee recognition tied to early payoffs and the recognition of non-accrual interest previously collected
We Achieve a Steady Spread thru Various Rate Cycles Financial data calculated using annual averages Excluding loan fee income
Asset Sensitivity Repricing and Liquidity Dollars in thousands, all data as of March 31, 2026, unless indicated otherwise $0.99 billion of gross loans reprice daily Asset Sensitivity Repricing Schedule (1) Uninsured deposits total $405.75 million (24.28% of total). Adjusted for insider and collateralized deposits, uninsured deposits are $332.28 million (19.88% of total) With $805.58 million in cash, securities, and undrawn lines of credit, we have 2.42x coverage of adjusted uninsured deposits Uninsured Deposits | Cash/Liquidity Liquidity
Deposit Composition Deposit Composition CAGR since 2021: 7.7% Dollars in millions, all data as of March 31, 2026, unless indicated otherwise
Loan Portfolio Trends Loan Portfolio Trends – Selected Categories Dollars in millions No single loan category within 'Other' exceeds 10% of the total loan portfolio CAGR Since 2021: 10.8% (1)
Loan Portfolio Distribution Dollars are in millions. Data as of March 31, 2026 Loan Portfolio Selected Categories
Diverse CRE Portfolio with Very Low Historical Losses Dollars are in millions. Data as of March 31, 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 cycles CONSTRUCTION OWNER OCCUPIED
Hotel Portfolio by Class Hotel Portfolio by Location Hospitality Loan Portfolio – A Source of Strength Dollars are in millions. Data as of March 31, 2026 Blue collar portfolio that is well-protected by the “cycle-down” effect of a recession Geographically concentrated in TX (77%) 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 $5.71 million Average LTV of 58% 3.56% Actual Hotel Portfolio by Location
Total Assets Strategic Growth in Dynamic Markets Dollars are in millions 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q1 2026 LPO opened in Tulsa, OK, full-service branch opened in Frisco, TX Oklahoma acquisition Full-service branch opened in Tulsa, OK Completed IPO Full-service branch opened in Irving, TX LPO opened in Irving, TX Kansas acquisition CAGR Since 2014: 13.2% Oklahoma mortgage acquisition
Earnings-driven Capital Shock-absorption Earnings-driven cushion far exceeds regulatory capital minimums as illustrated over a two-year period, consistent with DFAST parameters(1) Dollars are in thousands above assumes no cash dividends and is simply an illustration and should not be considered a projection or forward-looking guidance of any kind DFAST = Dodd-Frank Act Stress Test Excess capital to target ratio expressed in % is the difference between the actual ratio and regulatory minimum divided by the regulatory minimum 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 Trailing twelve months PPE of $59.6 million extrapolated over two years
Appendix
Bank7 Corp. Financials BSVN adopted the CECL model (ASC326) 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-ASC326) Represents a non-GAAP financial measure. See non-GAAP reconciliations table for reconciliation to most comparable GAAP measure for this metric
Bank7 Corp. Performance Ratios Annualized Efficiency ratio is calculated by dividing noninterest expense by the sum of net interest income on a tax equivalent basis and noninterest income Represents a non-GAAP financial measure, see non-GAAP reconciliations table for reconciliation to the most comparable GAAP measure for this metric Ratios are based on Bank level financial information rather than consolidated information. At March 31, 2026, Tier 1 leverage ratio, Tier 1 risk based capital ratio, and total risk-based capital ratios were 13.24%, 14.78%, and 15.96% respectively for the Company
Non-GAAP Reconciliations
Non-GAAP Reconciliations -- Continued
Oil & Gas Asset Recap Cash Flow Recap GAAP Results Dollars in thousands Includes depletion expense of $303, $472 and $677 for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively (1)
Available-for-Sale Securities Portfolio Investment Portfolio Dollars are in millions. All mortgage-backed securities and collateralized mortgage obligations are issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored entities. Total investment securities of $52.1 million as of March 31, 2026 Weighted Average Duration: 3.6 Years Book Yield: 2.38%
Legal Information and Distribution This presentation and oral statements made regarding the subject of this presentation contain forward-looking statements. 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 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 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.
