San Jose, CA · Cert 57510 · Avidbank Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
41
Asset Quality
28
Profitability
66
Liquidity
43
Efficiency
74
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.
San Jose, CA · Cert 57510 · Avidbank Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2026 SOD (annual) · 1.3% share · #12 of 42 inst. · $2.3B of $175.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.97% | 1.01% | 1.04% | -1.45% | -0.76% | 1.48% | 1.35% | +31 bps | |
| Return on Equity | 10.80% | 11.45% | 11.28% | 11.53% | -14.80% | -7.49% | 12.87% | 11.72% | +20 bps | |
| Net Interest Margin | 3.28% | 3.34% | 3.39% | 3.43% | 3.58% | 3.64% | 4.32% | 4.22% | +79 bps | |
| Efficiency Ratio | 59.13% | 57.25% | 60.87% | 58.10% | 56.91% | 55.08% | 49.00% | 51.63% | -647 bps | |
| Non-Interest Burden | 1.84% | 1.80% | 1.98% | 1.89% | 1.93% | 1.89% | 1.98% | 2.00% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.23% | 3.27% | 2.77% | 4.55% | 2.87% | 11.50% | 11.18% | 11.21% | +666 bps | |
| Loan Growth (YoY) | 7.00% | 7.14% | 3.26% | 5.82% | 9.62% | 15.20% | 18.01% | 16.34% | +1,052 bps | |
| Deposit Growth (YoY) | 11.27% | 14.30% | 9.85% | 15.15% | 8.03% | 15.86% | 14.07% | 16.04% | +88 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.07% | 0.07% | 0.07% | 0.14% | 1.14% | 0.75% | 0.65% | +58 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.23% | -0.01% | -0.01% | -0.01% | 0.07% | 0.51% | 0.42% | +42 bps | |
| Allowance / Loans | 1.25% | 1.00% | 1.02% | 1.03% | 1.07% | 1.04% | 0.96% | 0.97% | -6 bps | |
| Allowance Coverage of NPLs | 6.2x | 13.9x | 14.0x | 14.7x | 7.7x | 0.9x | 1.3x | 1.5x | -13.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.62% | 11.07% | 11.02% | 11.18% | 11.55% | 11.65% | 11.88% | 11.99% | +81 bps | |
| Total Risk-Based Capital | 12.65% | 12.26% | 12.74% | 12.65% | 13.14% | 12.45% | 12.80% | 12.77% | +12 bps | |
| Equity / Assets | 8.91% | 8.79% | 9.11% | 9.18% | 11.97% | 11.33% | 11.65% | 11.60% | +242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.91% | 98.59% | 95.35% | 95.42% | 95.29% | 98.03% | 98.64% | 95.67% | +25 bps | |
| Liquid Assets / Assets | 5.30% | 3.22% | 4.59% | 4.62% | 7.02% | 5.72% | 5.38% | 5.50% | +88 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 383% | 369% | 366% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.91% | 1.22% | 1.52% | Beats 61% | 129 / 328 | ||
| Return on Equity | 11.40% | 8.43% | 11.45% | 14.43% | Beats 48% | 169 / 328 | ||
| Net Interest Margin | 4.22% | 3.03% | 3.45% | 3.83% | Beats 88% | 39 / 328 | ||
| Efficiency Ratio | 51.63% | 51.61% | 59.56% | 67.53% | Beats 74% | 85 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.24% | 0.51% | 1.03% | Beats 41% | 192 / 322 | ||
| Net Charge-Offs / Loans | 0.23% | 0.01% | 0.03% | 0.10% | Beats 14% | 279 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.83% | 11.75% | 13.15% | 15.47% | Beats 26% | 243 / 328 | ||
| Total Risk-Based Capital Ratio | 12.77% | 12.63% | 14.15% | 16.46% | Beats 26% | 242 / 328 | ||
| Equity / Assets | 11.60% | 9.15% | 10.33% | 12.01% | Beats 71% | 96 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.67% | 76.63% | 87.92% | 95.36% | 76th pctl | 78 / 323 | ||
| Loans / Assets | 83.84% | 65.18% | 74.15% | 79.98% | 88th pctl | 41 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||