Avidbank
Avidbank reported total assets of $2.7 bn at Q2 2026, up 11.2% on a year earlier, the 474th largest of 497 banks in our US coverage. The CET1 capital ratio at Avidbank was 11.83%, and the uninsured share of Avidbank was 39.51%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Avidbank slipped from 31st to 269th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Over the year to , the net interest margin of Avidbank rose by 0.67 pp to 4.28%, a bigger rise than at 96% of covered banks (FDIC Call Reports).
- Over the year to , the bank equity capital of Avidbank rose by 40.5% to $307.8 mn, a bigger rise than at 95% of covered banks (FDIC Call Reports).
What sets Avidbank apart
How large is Avidbank?
The balance sheet of Avidbank at : assets $2.7 bn, deposits $2.3 bn, net loans $2.2 bn (loans equal to 94.75% of deposits). Securities make up 8.8% of total assets at Avidbank. Since , when Avidbank held $612.1 mn, its assets grew 333.4%. In the year to , deposits at Avidbank rose 16.0% while its total assets rose 11.2%. At , Avidbank employed 162 full-time equivalent staff across 3 offices, about $16.4 mn of assets per employee and $774.9 mn of deposits per office.
How much funding at Avidbank is uninsured?
At Avidbank, uninsured deposits (above the FDIC limit) made up 39.51% of domestic deposits at (+3.28 pp on a year earlier); Avidbank ranks 192nd of 500 on this measure. In dollars, Avidbank estimated $918.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +16.0% | 454th of 499 |
| Net loans and leases | $2.2 bn | +16.4% | 410th of 500 |
| Loan-to-deposit ratio | 94.75% | +0.31 pp | 117th of 500 |
| Tier 1 leverage ratio | 11.99% | +0.81 pp | 98th of 500 |
| Total risk-based capital ratio | 12.77% | +0.12 pp | 377th of 448 |
| Net interest margin | 4.28% | +0.67 pp | 88th of 500 |
| Return on assets (ROA) | 1.35% | +0.31 pp | 219th of 500 |
| Efficiency ratio | 51.63% | -6.47 pp | 163rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.8 mn | Narrowed by $60.7 mn | |
| Noncurrent loans to total loans | 0.65% | +0.58 pp | 269th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.43% | +0.43 pp | 427th of 500 (1 = lowest) |
US rank of Avidbank: 1 = highest unless marked 1 = lowest.
Balance sheet
Avidbank: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.3bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of Avidbank stood at 11.83% in , +0.15 pp year on year. Low and high at Avidbank since : 9.59% () to 12.11% (). Equity capital of Avidbank at : $307.8 mn, or 11.6% of total assets. Avidbank also reported a total capital ratio of 12.77% for , and a tier 1 leverage ratio of 11.99%.
The available-for-sale portfolio of Avidbank showed an unrealized loss of $2.8 mn at ; the loss narrowed by $60.7 mn over the year.
Avidbank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 12%
Avidbank: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity $0
Profitability and loan quality
For the year to , Avidbank earned a return on equity of 11.72%; return on assets: 1.35%. Net interest margin at Avidbank: 4.28%, +0.67 pp in a year. Avidbank net income: $17.5 mn, up 44.5% year on year. The efficiency ratio of Avidbank was 51.63%: about 52 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.65% of total loans at Avidbank; net charge-offs: 0.43% of average loans. Gross loans and leases at Avidbank: $2.2 bn, up 16.3% in a year.
Avidbank: profitability
- Return on equity 12%
- Net interest margin 4.3%
- Return on assets 1.4%
Peer group of Avidbank
The peer group of Avidbank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Avidbank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Avidbank shows CET1 ratio 11.83% against a peer median of 13.10%, return on equity 11.72% against a peer median of 11.53% and uninsured deposit share 39.51% against a peer median of 23.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| INB | National bank | IL | $2.7 bn | 12.19% | 12.75% | 18.23% | |
| Interaudi Bank | State nonmember bank | NY | $2.7 bn | 18.12% | 12.32% | 57.15% | |
| Machias Savings Bank | State-chartered stock savings bank | ME | $2.7 bn | 14.01% | 8.83% | 16.38% | |
| Avidbank | State nonmember bank | CA | $2.7 bn | 11.83% | 11.72% | 39.51% | |
| FCB Banks | State nonmember bank | IL | $2.6 bn | 12.08% | 21.98% | 19.72% | |
| One Community Bank | State member bank | WI | $2.6 bn | not reported | 10.55% | 26.99% | |
| Republic Bank of Chicago | State nonmember bank | IL | $2.6 bn | not reported | 10.73% | 43.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at Avidbank, to : assets +15.9%, deposits +22.2%, equity +50.8%. Staff 146 to 162.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.3 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.6 bn | $2.6 bn | $2.7 bn |
| Total deposits | $1.9 bn | $1.9 bn | $1.9 bn | $2.0 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.3 bn |
| Bank equity capital | $204.1 mn | $202.1 mn | $210.7 mn | $219.0 mn | $282.1 mn | $290.4 mn | $299.7 mn | $307.8 mn |
| CET1 ratio | 11.51% | 11.32% | 11.78% | 11.68% | 12.11% | 11.46% | 11.87% | 11.83% |
| Return on equity (ROE) | 10.80% | 11.45% | 11.28% | 11.53% | -14.80% | -7.49% | 12.87% | 11.72% |
| Uninsured share of domestic deposits | 32.63% | 33.44% | 34.73% | 36.23% | 37.99% | 41.77% | 41.95% | 39.51% |
| Full-time equivalent employees | 146 | 148 | 143 | 149 | 151 | 151 | 154 | 162 |
| Number of offices | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Avidbank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Avidbank?
Avidbank reported $2.7 bn at in its Call Report. That makes Avidbank the 474th largest of 497 banks in our US coverage.
Is Avidbank the same as its holding company?
No. This page covers Avidbank, FDIC certificate 57510; Avidbank Holdings, Inc., its holding company, reports separately to the Federal Reserve.
Is Avidbank profitable?
Avidbank reported net income of $17.5 mn for the year to ; annualized return on equity: 11.72%. So yes: Avidbank made a profit over these months.
When is data for Avidbank next updated?
Figures from Avidbank for are due after .
Where can I check the figures for Avidbank?
In the FDIC BankFind Suite record for certificate 57510, and in the Call Reports of Avidbank (RSSD ID 3214059) at the FFIEC Central Data Repository.