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
Unfavorable gap of $51.3M · efficiency ratio beats 74% of banks $1B-$10B in assets | 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 |