Avidbank Holdings, Inc.
Business
Avidbank Holdings, Inc. operates through its subsidiary Avidbank, a California state-chartered commercial bank providing full-service banking to small-to-medium sized businesses, technology companies, and individuals. The Bank offers lending products (corporate banking, venture lending, specialty finance, commercial real estate, and construction loans), deposit services, and digital banking capabilities. It serves the Bay Area through five operating divisions, with a growing national presence in venture lending and specialty finance, maintaining relationships across 39 states.
Summary from 10-K filed 2026-03-18
Financials
Consolidated Statement of Income
| Concept | Trend | 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
| Concept | Trend | 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
| Concept | Trend | 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 |
Filings
Material Events
Insiders
Institutional Holders
Frequently asked questions
What is Avidbank Holdings, Inc.'s CIK number?
Avidbank Holdings, Inc.'s SEC CIK number is 0001443575 (1443575). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Avidbank Holdings, Inc.'s SEC filings?
All of Avidbank Holdings, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Avidbank Holdings, Inc. last report earnings?
Avidbank Holdings, Inc. (AVBH) most recently filed an earnings 8-K with the SEC on Apr 27, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001437749-26-013467). This is Avidbank Holdings, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Avidbank Holdings, Inc.'s most recent earnings 8-K?
Avidbank Holdings, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 27, 2026 under accession 0001437749-26-013467. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Avidbank Holdings, Inc.'s latest earnings 8-K →
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