Avidbank Holdings, Inc. (AVBH) SEC Filings & Earnings Calls
EquiReason read 10 Avidbank Holdings, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-08-27 — Avidbank issued $30M subordinated notes due 2036 at 7% fixed-to-floating rate, using proceeds to refinance $22M of 2029 notes and for general corporate purposes..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
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- 348.2M
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- Next earnings
- 26 Oct, in 2 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
27 Aug 20268-K · 1.01, 2.03, 7.01, 8.01Avidbank issued $30M subordinated notes due 2036 at 7% fixed-to-floating rate, using proceeds to refinance $22M of 2029 notes and for general corporate purposes.open
Risks flagged
Higher interest expense from 7% coupon vs. 5% on refinanced notes.
“7.00% Fixed-to-Floating Rate Subordinated Notes due 2036” · word for word
12 Aug 202610-QQ2 2026 net income increased to $7.6M from $5.8M YoY, with net interest margin expanding 66 bps to 4.26%.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 4.3% | |
| Return on average assets · Q2-2026 | 1.2% | |
| Diluted earnings per share · Q2-2026 | $0.71 | -5% y/y |
| Book value per share · 2026-06-30 | $26.97 | +5% y/y |
| Efficiency ratio · Q2-2026 | 55.4% | |
| Nonperforming loans to total loans · 2026-06-30 | 0.7% | |
| Net charge-offs to average loans · Q2-2026 | 0.3% | |
| Tier 1 leverage ratio · 2026-06-30 | 11.5% | |
| Common equity tier 1 capital ratio · 2026-06-30 | 11.3% | |
| Allowance for credit losses on loans to total loans · 2026-06-30 | 1.0% |
Risks flagged
Credit quality deterioration
“Net charge-offs to average loans was 0.35% compared to 0% in the second quarter of 2025.” · word for word
Concentration risk in California real estate
“All commercial real estate loans were collateralized by properties in California as of June 30, 2026 and December 31, 2025.” · word for word
Litigation expense
“Settlement of litigation expense totaled $2.6 million for the three and six months ended June 30, 2026.” · word for word
23 Jul 20268-K · 2.02, 7.01Avidbank Holdings reported Q2 2026 net income $7.6M ($0.71 diluted), down QoQ from $9.0M but up YoY from $5.8M; adjusted net income $8.2M ($0.76); NIM 4.26% (down 12bp QoQ); loan growth 9% annualized; deposit growth 11% annualized; litigatiearningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $8M | +31% y/y |
| Earnings per diluted share · Q2-2026 | $0.71 | -5% y/y |
| Adjusted net income (non-GAAP) · Q2-2026 | $8M | |
| Adjusted earnings per diluted share (non-GAAP) · Q2-2026 | $0.76 | |
| Return on average assets · Q2-2026 | 1.2% | |
| Adjusted return on average assets (non-GAAP) · Q2-2026 | 1.3% | |
| Net interest margin · Q2-2026 | 4.3% | |
| Book value per share · Q2-2026 | $26.97 | +5% y/y |
| Non-performing loans to total loans · Q2-2026 | 0.7% | |
| Net charge-offs to average loans · Q2-2026 | 0.3% |
Risks flagged
NIM compression due to higher deposit costs and lower FHLB dividend; deposit cost pressure may persist.
“Net interest margin was 4.26% in the second quarter of 2026, a decrease of 12 basis points compared to the first quarter of 2026... primarily driven by higher cost of deposits and a lower FHLB dividend” · word for word
Litigation settlement expense of $2.6M impacted earnings; ongoing legal risk remains.
“Results for the second quarter included a $2.6 million expense relating to the settlement of outstanding litigation” · word for word
NPL ratio increased significantly YoY from 0.07% to 0.65%, though improved QoQ.
“Non-performing loans to total loans... increased compared to 0.07% at June 30, 2025” · word for word
13 May 202610-QQ1 2026 net income rose 66% YoY to $9.0M, NIM expanded 86bps to 4.38%, efficiency ratio improved to 50.35%.earningsopen
Figures in the filing · each found in the filing text
| Net Income · Q1-2026 | $9M | +66% y/y |
| Diluted EPS · Q1-2026 | $0.84 | +18% y/y |
| Net Interest Margin (GAAP) · Q1-2026 | 4.4% | |
| Efficiency Ratio · Q1-2026 | 50.4% | |
| Book Value Per Share · Q1-2026 | $26.33 | +6% y/y |
| Return on Average Assets (ROA) · Q1-2026 | 1.5% | |
| Return on Average Equity (ROE) · Q1-2026 | 12.7% | |
| Loans, net of deferred fees · Q1-2026 | $2.17B | +18% y/y |
| Total Deposits · Q1-2026 | $2.20B | +14% y/y |
| Allowance for Credit Losses on Loans to Total Loans · Q1-2026 | 1.0% |
Risks flagged
Credit Quality Deterioration
“Net charge-offs to average loans totaled 0.52% compared to (0.01)% in the first quarter of 2025.” · word for word
Geographic Concentration
“Risks related to the concentration of our business in California, and specifically within the Bay Area, including risks associated with any downturn in the real estate sector.” · word for word
Interest Rate Sensitivity
“Changes in market interest rates that affect the pricing of our loans and deposits and our net interest income.” · word for word
27 Apr 20268-K · 2.02, 7.01Avidbank Holdings reported Q1 2026 net income of $9.0M ($0.84/diluted share) vs $5.4M ($0.71) in Q1 2025. Net interest margin expanded to 4.38% from 3.52% YoY. ROAA improved to 1.46% from 0.96%. Non-performing assets decreased to 0.63% fromearningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $9M | +67% y/y |
| Earnings per diluted share · Q1-2026 | $0.84 | +18% y/y |
| Net interest margin · Q1-2026 | 4.4% | |
| Return on average assets · Q1-2026 | 1.5% | |
| Efficiency ratio · Q1-2026 | 50.4% | |
| Book value per share · Q1-2026 | $26.33 | +6% y/y |
| Net interest income · Q1-2026 | $27M | +37% y/y |
| Total deposits · Q1-2026 | $270M | +14% y/y |
| Cost of interest-bearing deposits · Q1-2026 | 3.0% | |
| Non-performing assets to total assets · Q1-2026 | 0.6% |
Risks flagged
Net charge-offs increased to 0.52% from 0.30% sequentially due to charge-off of two commercial and industrial loans, indicating elevated credit losses in the C&I portfolio.
“Net charge-offs to average loans totaled 0.52% in the first quarter of 2026 compared to 0.30% in the fourth quarter of 2025 due to the charge-off of two commercial and industrial loans.” · word for word
Non-performing assets increased YoY to 0.63% from 0.06%, though improved sequentially from 0.95%, indicating some lingering credit quality issues.
“Non-performing assets to total assets decreased to 0.63% as of March 31, 2026 compared to 0.95% at December 31, 2025 and increased compared to 0.06% at March 31, 2025.” · word for word
18 Mar 202610-KAvidbank reported a net loss of $19.6 million for FY2025, driven by a $62.4 million loss on securities repositioning, but core profitability (adjusted ROAA) improved to 1.06%.earningsopen
Figures in the filing · each found in the filing text
| Net loss · FY2025 | $-20M | |
| Net interest margin · FY2025 | 3.8% | |
| Efficiency ratio · FY2025 | 170.7% | |
| Return on average assets-adjusted · FY2025 | 1.1% | |
| Total consolidated assets · FY2025 | $2.57B | |
| Total shareholders' equity · FY2025 | $281M | |
| Allowance for credit losses on loans and unfunded commitments · FY2025 | $25M | |
| Allowance for credit losses to total loans · FY2025 | 1.1% | |
| Net proceeds from IPO · FY2025 | $61M | |
| Loss on sale of available-for-sale securities · FY2025 | $62M |
Risks flagged
Commercial Real Estate Concentration
“As of March 31, 2025, the Bank’s total CRE loan concentration based on total outstanding loans was 309% of risk-based capital.” · word for word
Venture Lending Credit Risk
“Repayment of these loans is generally dependent upon receipt by borrowers of additional equity financing from venture firms or others, or in some cases, a successful sale to a third party, public offering or other form of liquidity event.” · word for word
Deposit Concentration Risk
“At December 31, 2025, our ten (10) largest deposit relationships accounted for $556.6 million, or 25%, of our total deposits” · word for word
Brokered Deposit Reliance
“As of December 31, 2025, $475.4 million of our total reciprocal deposits were considered brokered deposits by the FDIC.” · word for word
CEO Succession Risk
“The Board has incentivized Mr. Mordell to facilitate a successful Chief Executive Officer succession plan by the end of the second quarter of 2027.” · word for word
12 Nov 202510-QAvidbank reported a net loss of $37.7M for Q3 2025, driven by a $62.4M loss on sale of securities, compared to net income of $5.8M in the prior year period.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q3-2025 | $23M | +22% y/y |
| Net income · Q3-2025 | $-38M | -745% y/y |
| Earnings per share (diluted) · Q3-2025 | $-4.12 | -635% y/y |
| Total deposits · 2025-09-30 | $2.05B | |
| Total loans, net · 2025-09-30 | $1.94B | |
| Allowance for credit losses on loans · 2025-09-30 | $21M | |
| Book value per share · 2025-09-30 | $25.00 |
Risks flagged
Credit quality deterioration
“Provision for credit losses increased to $1.4M in Q3 2025 from $0 in Q3 2024.”
Securities portfolio loss
“Recognized a $62.4M loss on sale of available-for-sale securities.”
Concentration risk in deposits
“Two deposit relationships represented 11% of total deposits at September 30, 2025.”
Avidbank Holdings, Inc. — questions
- What did Avidbank Holdings, Inc. file recently?
- 10 SEC filings in the last 12 months. Latest: 8-K on 2026-08-27 — Avidbank issued $30M subordinated notes due 2036 at 7% fixed-to-floating rate, using proceeds to refinance $22M of 2029 notes and for general corporate purposes.
Every figure on this page comes from Avidbank Holdings, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.