AVBH on Nasdaq
Avidbank Holdings, Inc.
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $132.8M | $130.9M |
| Taxable debt securities | $6.8M | $7.1M |
| Tax-exempt debt securities | $122.0K | $95.0K |
| Federal Home Loan Bank dividends | $735.0K | $752.0K |
| Other interest income | $5.3M | $3.6M |
| Total interest income | $145.8M | $142.4M |
| Interest on deposits | $53.2M | $54.1M |
| Interest on other borrowings | $3.5M | $11.9M |
| Interest on long-term debt | $1.7M | $1.2M |
| Total interest expense | $58.4M | $67.2M |
| Net interest income | $87.3M | $75.2M |
| Provision for credit losses | $5.1M | $4.1M |
| Net interest income after provision for credit losses | $82.2M | $71.1M |
| Service charges and fees | $3.2M | $2.6M |
| Foreign exchange income | $937.0K | $896.0K |
| Bank-owned life insurance income | $372.0K | $508.0K |
| Warrant and success fee income | $648.0K | $65.0K |
| Other investment income | $485.0K | $1.1M |
| Net loss on sale of debt securities | -$62.4M | $0 |
| Other income | $395.0K | $849.0K |
| Total non-interest income | -$56.4M | $6.0M |
| Salaries and employee benefits | $37.4M | $32.5M |
| Occupancy and equipment | $3.2M | $4.0M |
| Data processing | $2.9M | $2.4M |
| Legal and professional fees | $2.7M | $2.1M |
| Regulatory assessments | $1.9M | $2.1M |
| Other operating expenses | $4.6M | $4.2M |
| Total non-interest expense | $52.8M | $47.3M |
| (Loss) / income before (benefit) / provision for income taxes | -$27.0M | $29.8M |
| (Benefit) / provision for income taxes | -$7.4M | $8.8M |
| Net (loss) / income | -$19.6M | $21.0M |
| 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 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from financial institutions | $7.9M | $8.7M | |
| Due from Federal Reserve Bank and interest-bearing deposits in other financial institutions | $146.6M | $74.0M | |
| Total cash and cash equivalents | $154.6M | $82.7M | |
| 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) | $218.2M | $296.6M | |
| Loans, net of allowance for credit losses on loans of $22,261 in 2025 and $18,679 in 2024 | $2.1B | $1.8B | |
| Federal Home Loan Bank stock, at cost | $8.4M | $8.4M | |
| Premises and equipment, net | $1.5M | $2.3M | |
| Cash surrender value of bank-owned life insurance policies | $13.0M | $12.7M | |
| Interest Receivable | $47.8M | $55.6M | |
| Total assets | $2.6B | $2.3B | |
| Non-interest-bearing | $557.0M | $414.3M | |
| Interest-bearing | $1.6B | $1.5B | |
| Total deposits | $2.2B | $1.9B | |
| Short-term borrowings | $60.0M | $185.0M | |
| Subordinated debentures, net | $22.0M | $22.0M | |
| Accrued Liabilities and Other Liabilities | $20.6M | $19.8M | |
| Total liabilities | $2.3B | $2.1B | |
| 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 | $170.0M | $107.0M | |
| Retained earnings | $111.2M | $130.7M | |
| Accumulated other comprehensive loss, net of taxes | -$161.0K | -$51.3M | |
| Total shareholders' equity | $281.0M | $186.4M | $165.3M |
| Total liabilities and shareholders' equity | $2.6B | $2.3B | |
| Amortized cost | $218.5M | $369.2M | |
| Allowance for credit losses | $0 | $0 | |
| Loans, allowance for credit loss | $22.3M | $18.7M | $19.1M |
| Preferred stock, par value (in dollars per share) | $0 | $0 | |
| Preferred stock, shares authorized (in shares) | 5.0M shares | 5.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, shares authorized (in shares) | 25.0M shares | 15.0M shares | |
| Common stock, shares issued (in shares) | 10.9M shares | 7.9M shares | |
| Common stock, shares outstanding (in shares) | 10.9M shares | 7.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net (loss) / income | -$19.6M | $21.0M |
| Provision for credit losses | $5.1M | $4.1M |
| Depreciation, amortization and accretion | $1.1M | $1.6M |
| Net loss on sale of debt securities | $62.4M | $0 |
| (Gain) / loss on disposal of premises and equipment | $0 | -$16.0K |
| Amortization of debt issuance costs | $0 | $94.0K |
| (Increase) / decrease in deferred loan origination fees, net | -$276.0K | -$228.0K |
| Earnings on bank-owned life insurance policies | -$372.0K | -$508.0K |
| Repayment of operating lease liabilities | $2.3M | $2.9M |
| Stock-based compensation expense | $3.2M | $3.2M |
| Deferred income taxes | $7.3M | $348.0K |
| Net (increase) / decrease in accrued interest receivable and other assets | -$22.9M | -$130.0K |
| Net increase / (decrease) in accrued interest payable and other liabilities | $716.0K | -$9.7M |
| Net cash provided by operating activities | $39.0M | $22.7M |
| Purchase of available-for-sale investment securities | -$223.0M | -$6.7M |
| Proceeds from sales of available-for-sale investment securities | $274.7M | $0 |
| Proceeds from paydowns/maturities of available-for-sale investment securities | $36.3M | $31.0M |
| Net increase in loans | -$284.7M | -$128.4M |
| Proceeds from surrendered bank-owned life insurance policies | $0 | $21.5M |
| Purchase of premises and equipment | -$93.0K | -$47.0K |
| Proceeds from sale of premises and equipment | $0 | $36.0K |
| Net cash used in investing activities | -$196.7M | -$82.7M |
| Net increase in deposits | $294.7M | $237.0M |
| Restricted stock issued, net | -$1.5M | -$713.0K |
| Proceeds from the issuance of common stock upon initial public offering, net of offering costs | $61.3M | $0 |
| Net proceeds / (repayment) from overnight borrowings | -$55.0M | -$21.0M |
| Net proceeds / (repayment) from Federal Reserve Bank borrowings | $0 | -$224.0M |
| Net proceeds / (repayment) from Federal Home Loan Bank borrowings | -$70.0M | $70.0M |
| Net cash provided by financing activities | $229.5M | $61.3M |
| Net change in cash and cash equivalents | $71.9M | $1.3M |
| Interest expense | $59.4M | $75.3M |
| Income taxes, net of refunds | $4.4M | $7.5M |
| Recording of right-of-use assets in exchange for lease liabilities | $439.0K | $0 |
| Change in unrealized (gains) / losses on available-for-sale securities, net of tax | -$51.1M | $2.5M |
Former names
- PENINSULA BANK HOLDING COAug 15, 2008 to Aug 15, 20082
Recent filings
- Oct 6, 20264
- Oct 6, 20264
- Oct 6, 20264
- Oct 6, 20264
- Oct 6, 20264
- Sep 17, 20264
- Sep 9, 20264
- Sep 4, 2026144
- Aug 31, 2026D
- Aug 27, 20268-K
- Aug 14, 20264
- Aug 14, 2026SCHEDULE 13G/A
- Aug 12, 202610-Q
- Aug 11, 20268-K/A
- Aug 5, 20263
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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