Avidbank Holdings, Inc.

Listed Company

AVBHCIK 0001443575NasdaqEmerging GrowthState Commercial BanksCaliforniaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$-19.55M

Total Assets

$2.57B

Equity

$280.98M

Shares Out

10.98M

Op. Cash Flow

$39.03M

Business

Avidbank Holdings, Inc. is a publicly listed company in State Commercial Banks, incorporated in California. Common stock trades on Nasdaq under the ticker AVBH.

Auto-generated from company profile

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31
Interest and fees on loans	133	131
Taxable debt securities	7	7
Tax-exempt debt securities	122,000	95,000
Federal Home Loan Bank dividends	735,000	752,000
Other interest income	5	4
Total interest income	146	142
Interest on deposits	53	54
Interest on other borrowings	4	12
Interest on long-term debt	2	1
Total interest expense	58	67
Net interest income	87	75
Provision for credit losses	5	4
Net interest income after provision for credit losses	82	71
Service charges and fees	3	3
Foreign exchange income	937,000	896,000
Bank-owned life insurance income	372,000	508,000
Warrant and success fee income	648,000	65,000
Other investment income	485,000	1
Net loss on sale of debt securities	−62	0
Other income	395,000	849,000
Total non-interest income	−56	6
Salaries and employee benefits	37	32
Occupancy and equipment	3	4
Data processing	3	2
Legal and professional fees	3	2
Regulatory assessments	2	2
Other operating expenses	5	4
Total non-interest expense	53	47
(Loss) / income before (benefit) / provision for income taxes	−27	30
(Benefit) / provision for income taxes	−7	9
Net (loss) / income	−20	21
Basic (loss) / earnings per common share (in dollars per share)	−2.25	2.83
Diluted (loss) / earnings per common share (in dollars per share)	−2.25	2.76

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Cash and due from financial institutions	8	9	—
Due from Federal Reserve Bank and interest-bearing deposits in other financial institutions	147	74	—
Total cash and cash equivalents	155	83	—
Debt securities available-for-sale, at fair value (amortized cost $218,488 and $369,155, net of allowance for credit losses of $0 and $0)	218	297	—
Loans, net of allowance for credit losses on loans of $22,261 in 2025 and $18,679 in 2024	2,126	1,846	—
Federal Home Loan Bank stock, at cost	8	8	—
Premises and equipment, net	2	2	—
Cash surrender value of bank-owned life insurance policies	13	13	—
Interest Receivable	48	56	—
Total assets	2,570	2,304	—
Non-interest-bearing	557	414	—
Interest-bearing	1,629	1,477	—
Total deposits	2,186	1,891	—
Short-term borrowings	60	185	—
Subordinated debentures, net	22	22	—
Accrued Liabilities and Other Liabilities	21	20	—
Total liabilities	2,289	2,118	—
Commitments and contingent liabilities (Note 12)	—	—	—
Preferred stock - no par value; 5,000,000 shares authorized, no shares issued and outstanding at December 31, 2025 and 2024	0	0	—
Common stock - no par value; 25,000,000 and 15,000,000 shares authorized; 10,947,967 and 7,906,761 shares issued and outstanding at December 31, 2025 and 2024, respectively	170	107	—
Retained earnings	111	131	—
Accumulated other comprehensive loss, net of taxes	−161,000	−51	—
Total shareholders' equity	281	186	165
Total liabilities and shareholders' equity	2,570	2,304	—

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31
Depreciation, amortization and accretion	1	2
(Gain) / loss on disposal of premises and equipment	0	−16,000
Amortization of debt issuance costs	0	94,000
(Increase) / decrease in deferred loan origination fees, net	−276,000	−228,000
Repayment of operating lease liabilities	2	3
Stock-based compensation expense	3	3
Deferred income taxes	7	348,000
Net (increase) / decrease in accrued interest receivable and other assets	−23	−130,000
Net increase / (decrease) in accrued interest payable and other liabilities	716,000	−10
Net cash provided by operating activities	39	23
Purchase of available-for-sale investment securities	−223	−7
Proceeds from sales of available-for-sale investment securities	275	0
Proceeds from paydowns/maturities of available-for-sale investment securities	36	31
Net increase in loans	−285	−128
Proceeds from surrendered bank-owned life insurance policies	0	21
Purchase of premises and equipment	−93,000	−47,000
Proceeds from sale of premises and equipment	0	36,000
Net cash used in investing activities	−197	−83
Net increase in deposits	295	237
Restricted stock issued, net	−2	−713,000
Proceeds from the issuance of common stock upon initial public offering, net of offering costs	61	0
Net proceeds / (repayment) from overnight borrowings	−55	−21
Net proceeds / (repayment) from Federal Reserve Bank borrowings	0	−224
Net proceeds / (repayment) from Federal Home Loan Bank borrowings	−70	70
Net cash provided by financing activities	230	61
Net change in cash and cash equivalents	72	1
Interest expense	59	75
Income taxes, net of refunds	4	7
Recording of right-of-use assets in exchange for lease liabilities	439,000	0
Change in unrealized (gains) / losses on available-for-sale securities, net of tax	−51	3

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