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Avidbank

San Jose, CA · Cert 57510 · Avidbank Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Avidbank

San Jose, CA · Cert 57510 · Avidbank Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$2.7BAssets
$2.2BLoans
$2.3BDeposits
$307.8MEquity
Loan mix
54%RE $1.1B46%C&I $1.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $1.8B25%Noninterest $0.6BQ2 2025Q2 2026

NIM

6.12%Q2 ’245.94%Q2 ’256.17%Q2 ’26+5%+23%

Non-interest income vs. expense

2.08%Q2 ’242.13%Q2 ’252.37%Q2 ’26+1%+6%

Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2026 SOD (annual) · 1.3% share · #12 of 42 inst. · $2.3B of $175.3B

Executive Summary

  • Earnings: ROA of 1.35%, up 31 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.65% of loans (+58 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 11.99%, up 81 bps from a year ago.
  • Funding: loans stand at 95.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+79 bps YoY

Efficiency Ratio (YTD, annualized)

51.63%-647 bps YoY

Tier 1 Leverage Ratio

11.99%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%-1.45%-0.76%1.48%1.35%+31 bps
Return on Equity11.53%-14.80%-7.49%12.87%11.72%+20 bps
Net Interest Margin3.43%3.58%3.64%4.32%4.22%+79 bps
Efficiency Ratio58.10%56.91%55.08%49.00%51.63%-647 bps
Non-Interest Burden1.89%1.93%1.89%1.98%2.00%+11 bps
Growth
Asset Growth (YoY)4.55%2.87%11.50%11.18%11.21%+666 bps
Loan Growth (YoY)5.82%9.62%15.20%18.01%16.34%+1,052 bps
Deposit Growth (YoY)15.15%8.03%15.86%14.07%16.04%+88 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.14%1.14%0.75%0.65%+58 bps
Net Charge-Offs / Loans-0.01%-0.01%0.07%0.51%0.42%+42 bps
Allowance / Loans1.03%1.07%1.04%0.96%0.97%-6 bps
Allowance Coverage of NPLs14.7x7.7x0.9x1.3x1.5x-13.2x
Capital
Tier 1 Leverage Ratio11.18%11.55%11.65%11.88%11.99%+81 bps
Total Risk-Based Capital12.65%13.14%12.45%12.80%12.77%+12 bps
Equity / Assets9.18%11.97%11.33%11.65%11.60%+242 bps
Liquidity & Funding
Loans / Deposits95.42%95.29%98.03%98.64%95.67%+25 bps
Liquid Assets / Assets4.62%7.02%5.72%5.38%5.50%+88 bps
CRE / Total Capitaln/a383%369%366%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Avidbank

San Jose, CA · Cert 57510 · Peer group: banks $1B-$10B in assets (n=322-328) · Avidbank Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$2.7BAssets
$2.2BLoans
$2.3BDeposits
$307.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets (rank 39 of 328).
  • Widest gap: net charge-offs / loans trails 86% of banks $1B-$10B in assets (rank 279 of 322).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.32%

Rank 129 of 328

Net Interest Margin

4.22%

Rank 39 of 328

Efficiency Ratio

51.63%

Rank 85 of 328

Equity / Assets

11.60%

Rank 96 of 328

Non-interest income vs. expense

$9.3M$60.5MINCOMEEXPENSE
Unfavorable gap of $51.3M · efficiency ratio beats 74% of banks $1B-$10B in assets
Bank 51.63%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%0.91%1.22%1.52%Beats 61%129 / 328
Return on Equity11.40%8.43%11.45%14.43%Beats 48%169 / 328
Net Interest Margin4.22%3.03%3.45%3.83%Beats 88%39 / 328
Efficiency Ratio51.63%51.61%59.56%67.53%Beats 74%85 / 328
Asset Quality
Nonperforming Loans / Loans0.65%0.24%0.51%1.03%Beats 41%192 / 322
Net Charge-Offs / Loans0.23%0.01%0.03%0.10%Beats 14%279 / 322
Capital
Tier 1 Capital Ratio11.83%11.75%13.15%15.47%Beats 26%243 / 328
Total Risk-Based Capital Ratio12.77%12.63%14.15%16.46%Beats 26%242 / 328
Equity / Assets11.60%9.15%10.33%12.01%Beats 71%96 / 328
Liquidity & Funding
Loans / Deposits95.67%76.63%87.92%95.36%76th pctl78 / 323
Loans / Assets83.84%65.18%74.15%79.98%88th pctl41 / 328
Brokered Deposits / Depositsn/aNot reported for this institution