For context on Bank7's small-business lending footprint, see its SBA lending profile on US Lender Metrics, including approval volume, loan sizes and industry mix. SBA approvals are not the same as funded loans or recognized revenue; the profile states its reporting period.
| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q1'26 | April 14, 2026 | 9/12 | 5 medium, 1 low flags | 0 | 0 | Call sheet → |
| Q4'25 | January 15, 2026 | 7/12 | 1 high, 4 medium, 3 low flags | 1 | 2 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q1'26 | Pending | Core NIM guided to '445' as 'a great starting point' for the following quarter, with risk of dipping toward the historical low of 435bps That quarter (Q1 2026) has been reported and an analyst referenced 'nice expansion,' but management did not state the actual Q1 NIM print on this call; actual not stated on the call. |
| Q1'26 | Pending | Q4 2025 fee/expense run-rate ('Very, very similar to Q4,' roughly $2M total non-interest income incl. oil/gas) cited as the guide for the following quarter That quarter (Q1 2026) has now been reported, but management did not restate an actual Q1 non-interest income figure on this call to compare against the prior guide; actual not stated on the call. |
| Q1'26 | Pending | Oil/gas asset will see 'a gradual decline' in GAAP contribution over 'the next three or four years' unless sold Multi-year window not yet ended; this quarter revises the pace, now expecting the item 'gone altogether or diminished quite a bit over the next few months', which is a timeline acceleration, not a resolution of the original multi-year statement. |
| Q1'26 | Pending | Full-year 2026 loan growth unlikely to match 2025's pace ('that sounds like a stretch to me') Multi-quarter/full-year target, period not ended. This quarter's commentary ('slightly slowed down,' moderate single digit) is directionally consistent with the prior hedge but not a final resolution. |
| Q4'25 | Pending | Reserve build described as "pretty set" for the foreseeable future, barring macro change or additional growth Management stated provisioning was not increased materially despite continued growth, consistent with the prior "pretty set" framing, though full-year reserve ratio trend was not quantified on the call. |
| Q4'25 | Pending | Mortgage business expected to be better in 2026 than 2025 Full-year 2026 has not occurred; no mortgage commentary was given this quarter to update progress toward this expectation. |
| Q4'25 | Delivered | Core expense guided at $9.0-$9.5 million for Q4 2025 Current quarter cites approximately $9.1 million core expense as the comp figure, within the previously guided range. |
| Q4'25 | Missed | Core fee income guided at $7 million for Q4 2025 Current commentary implies total fee income (core + oil/gas) of roughly $2 million was used as the comp for next quarter's guide, with core apparently cited around $1 million, suggesting a steep shortfall versus the $7 million core guide, though the language is garbled enough to require verification before being treated as confirmed. |
| Q4'25 | Missed | NIM guided to compress toward 447 bps by Q4 2025 Current commentary anchors the starting point at 445 bps, below the 447 bps previously guided, a modest miss on the favorable-for-margin side. |
| Q4'25 | Pending | High single-digit year-over-year loan growth target for FY2025 Full-year 2025 growth percentage was never explicitly stated on this call despite being the reporting period for it; management only used qualitative superlatives ("outstanding loan growth"). Actual not stated on the call. |
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