Bank7 Corp.

Welcome to the Bank 7 Corp Third Quarter 2025 Earnings Call. Before we get started, I'd like to highlight the legal information and disclaimer on page 27 of the investor presentation. For those who do not have access to the presentation, management is going to discuss certain topics that contain forward-looking information which is based on management's beliefs, as well as assumptions made by and information currently available to management. Although management believes that the expectations reflected in such forward-looking statements are reasonable, they can give no assurance that such expectations will prove to be correct. Such statements are subject to certain risks, uncertainties, and assumptions including, 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. Should one or more of these risks materialize or should underlying assumptions prove incorrect, actual results may vary materially from those expected. Also, please note that this conference call contains references to non-GAAP financial measures. You can find reconciliations of these non-GAAP financial measures to gap financial measures in an 8K that was filed this morning by the company. Representing the company on today's call, we have Brad Haynes, Chairman, Tom Travis, President and CEO, J.T. Phillips, Chief Operating Officer, Jason Estes, Chief Credit Officer, Kelly Harris, Chief Financial Officer, and Paul Timmons, Director of Accounting. With that, I'll turn the call over to Tom Travis.

Good morning. Thank you for joining us. As you can see, we had a very solid quarter. Essentially, we just are a broken record, but it's a shout out to our bankers. And if you look at the organic growth in both the loan and deposit portfolios, we had a very, very good quarter. And it's not a surprise. Again, it's We don't take them for granted, but I think sometimes people take our great results for granted. But organic growth has just been really good all year, and it's continuing to drive the institution forward. And so when you look at our income and strong capital accumulation, you can see the effect it's had, effects on the capital ratios, which are really, really strong and have us well-positioned. And so all the elements of the bank look fantastic, the liquidity, the capital, earnings, and the margin. And so we're excited about where we are. We're excited about the markets we operate in. And we're just delighted for the results.

And so with that said, we're here for any questions.