# AVIDBANK
SAN JOSE, CA · FDIC certificate 57510 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.65B | |
| Deposits | $2.32B | |
| Loans and leases | $2.22B | |
| Total equity | $307.8M | |
| Loans / deposits | 94.75% (p73 of band) | 87.10% |
| Liquid assets / assets | 14.78% (p22 of band) | |
| Uninsured deposits / deposits | 39.51% (p72 of band) | 30.76% |
| Brokered deposits | 21.80% | |
| Wholesale funding | 21.80% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.99% (p76 of band) | 10.50% |
| Unrealized securities loss / equity | -0.89% (p89 of band) | -7.75% |
| AOCI / equity | -0.57% (p31 of band) | |
| ROA (annualized) | 1.35% (p59 of band) | 1.26% |
| Net interest margin | 4.28% (p80 of band) | 3.70% |
| Efficiency ratio | 51.63% (p27 of band) | |
| Noncurrent loans | 0.65% (p60 of band) | 0.51% |
| Net charge-offs (annualized) | 0.36% (p92 of band) | |
| Reserve coverage of noncurrent | 148.82% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 53.34% (p56 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $59.8M (19% of equity) (p91 of band) | |
| Deposits YoY | 16.0% | |
| Employees | 162 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits >50% |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | capital falling | construction >100% equity |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 6 | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 5 | wholesale funding >15% | assets shrinking, uninsured deposits leaving |
| 2015-06 | 4 | capital falling, charge-offs p90 | reserve under noncurrent, deposits shrinking, wholesale funding >15% |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | run vulnerability |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 2 |  | run vulnerability, capital falling |
| 2017-12 | 3 | run vulnerability |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | liquid assets <10% |  |
| 2019-03 | 3 |  | liquid assets <10% |
| 2019-06 | 4 | loans exceed deposits |  |
| 2019-09 | 5 | wholesale funding >15% |  |
| 2019-12 | 4 | brokered >10% | loans exceed deposits, wholesale funding >15% |
| 2020-03 | 3 |  | brokered >10% |
| 2020-06 | 3 | brokered >10% | run vulnerability |
| 2020-09 | 3 | capital falling | brokered >10% |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 4 | charge-offs p90 |  |
| 2022-03 | 3 |  | charge-offs p90 |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | deposits shrinking |  |
| 2023-03 | 7 | wholesale funding >15%, capital falling, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 5 | brokered >10% | uninsured deposits >50%, deposits shrinking, capital falling |
| 2023-09 | 6 | deposits shrinking |  |
| 2023-12 | 7 | loans exceed deposits |  |
| 2024-03 | 6 |  | deposits shrinking |
| 2024-06 | 6 |  |  |
| 2024-09 | 3 |  | securities losses >30% of equity, uninsured deposits leaving, loans exceed deposits |
| 2024-12 | 4 | securities losses >30% of equity |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 2 |  | construction >100% equity, securities losses >30% of equity |
| 2025-09 | 3 | losing money |  |
| 2025-12 | 4 | reserve under noncurrent |  |
| 2026-03 | 3 | charge-offs p90 | losing money, reserve under noncurrent |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-06 [Avidbank Announces New HOA Banking Solutions Team - Yahoo Finance](https://news.google.com/rss/articles/CBMiqAFBVV95cUxORkRGZW9ZMTRqUkUzcXdSUDlUZWZDTVJ0Z1dsMUFENV9SeXZWQm91YVhIOS13TWpja0FFUlllRGJIZmtPS1VhU3VFUGM2eHRLRmY4eTVJSC1Wd2Zkd3I2YzFNYW1lb3JRSjVoekNVdV9FR0dwVlNMZkNUUkxuQ1RtVHcyYUlaMDJIb3Y5Z3B6ajJmcndDcXR2T01hSHhMU1ZCREpLWVh1eWs?oc=5) · Yahoo Finance
- 2026-08-03 [Jonathan ("JD") Dale Appointed Avidbank President - newswire.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOVEpRS09VYWFPdTlqdWNoYUt6TDhoSldIMm9XdWVHUFdLTVczYXNkVk1DaVBZc2VXVW1RcDdUZGhvak5rUkpmdm0zdEpZdFl5QzE5b1dVTjRaN3RvWWtHV1lYWHh5eWw5ZEhuMlNSTU1GVm9SS3ZGNXYyVTAtUF9tbw?oc=5) · newswire.com
- 2025-08-04 [AVBH IPO News - California-based bank Avidbank sets terms for $60 million Nasdaq uplisting - renaissancecapital.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOQS1JM1I2cE9KRmQ3RnpUckRCWF9vdG9ZODRrcWN5b3JnaXZCeU45MV9EN0tJNDlMa1Y3Z0FqcW1Hb21fS3pMQ1NvWnQ4NHRUMU5GLXNJUnJBcFlDbHoyMXlJTlhGYlV4Ti1sRTdYNVBncHdnZ3FpcS1kX2N4eXBFdS1NT1BzX0xIeVoycllCMDVKRFRyM1JNWmc2bjFydU5XZ0xENkpmN0NfdGNBWGd2Qk5EYnRHR3Vhc1l5eUFNSlR1Q1h0dHgtNmJEVVU?oc=5) · renaissancecapital.com
- 2026-08-03 [Jonathan "JD" Dale Appointed President of Avidbank to Lead Next Growth Phase - citybiz](https://news.google.com/rss/articles/CBMiswFBVV95cUxPZ1g5ZFZMUnVUQzM2cjNYYS1MS0F2MHNfa01VcUJacUJ3c09jdXNjMUpScTY5ZzhGWUxld2JyVUlGVHFEMTJCam1wRmhrZTV2ZDBTWjhRSHFHV1dwR1FjMDF3SDVDT2ZpVWswMjVJOXQ1M1kwVmZuOGVhN0N3QVU5M05MeURfSm84ZEhzNjRWamlvYXIwSVFHTEZ4dTVFZzNmTENUXzFzekVGMDNPdnkyYnYzUQ?oc=5) · citybiz
- 2025-06-23 [Linda Morris Joins Avidbank Holdings, Inc. Board of Directors - Nasdaq](https://news.google.com/rss/articles/CBMipwFBVV95cUxOTDYtYnJPaE1wbmd4b3VnSGJOMkQ4aGR6VU9lcU15d3ZxbzZMZFgyQmxQZ0lwZGswd2cxMGxxem1TWG9lTzJYNjJSWnY5Y2JvaU1nTm5ORFluNWpoMURWUmRLT1EyY3RqaVFTUWVPSTctbl9QZjNvNjFNdWs5cHpWUzc4RFJqNTlqZUotNzRsOHdZMEhxbDhSaHJUclAwb25KeEotUWhGaw?oc=5) · Nasdaq
- 2025-08-08 [AVBH IPO News - California-based bank Avidbank prices Nasdaq uplisting at the $23 midpoint - renaissancecapital.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOQnFUUUFVQkYzSkVfa19WeGxuckpTXzZLbWswQnRtUTc4c0dvZFFXbGJISVJFcDdpNG44aXMtdU1XR0oySGlTeDFNZmt0M3FKMy1HTkpBYXdJUE41bTdKcS1VYk1USmlkbm14amw4QnczZmRtRUpRNUZyMXNaejV0cHZlcWVrWE9JdWpNbXFxS1lqS2x4dGZHUksxV3JfeHBvZjJhMjJUdTBYQU1Zal9Zam9DdU4xa0o3cHVmbHBMd2YwS0NCVUQ3OHFuOVY?oc=5) · renaissancecapital.com
- 2025-08-07 [Avidbank Holdings, Inc. Announces Pricing of Initial Public Offering - Yahoo Finance](https://news.google.com/rss/articles/CBMijgFBVV95cUxPWXRQVHNQZ2NvdGZOc3ZFXzBockF3UXRXRjBucUY5S041c2xPd2ZDZnc4OFZDRXhMQ1RHb21fVkRFeXN4SXdmUzJ1UXdycGxJSFpYUzVsTmx6OW9rcUJjVWpQWldrellmM21FLWR6MEM3WWREa0NwNlQ5dkJ1VnV3TFhWbXZlcS04ckw1S3Bn?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57510 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "57510", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide