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 | |