Bank7 Puts Q4 2026 Loan Beta at 65% to 70% if Rates Rise

Bank7 expects its legacy loan beta to reach 65% to 70% in Q4 2026 if interest rates rise, above the level near 60% for the portfolio in Q3. The conditional estimate comes as the Oklahoma City-based bank prepares to merge with Century Financial Services Corporation. Bank7 put its legacy deposit beta at about 52% in Q3. The bank said its Q4 deposit beta was harder to project, but its working assumption was that the figure would be lower. Bank7 currently expects the Century deal to have a neutral effect on net interest margin. It plans to sell some or all of Century’s bonds, and the effect on margin could depend on when those sales occur.

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