Avidbank Q4 net income $6.9M, adjusted full-year EPS $2.80; NPA ratio rises to 0.95%

Avidbank Holdings, Inc.

2025-FY EPS reported -$2.25

Q4 2025 net income $6.9M ($0.65 diluted EPS) vs Q3 net loss $37.7M and Q4 2024 net income $6.5M ($0.84 diluted EPS).
Full-year 2025 net loss $19.6M ($2.25 diluted EPS) includes $62.4M securities loss; adjusted net income $24.9M ($2.80 adjusted EPS), up 18% YoY.
Net interest margin expanded to 4.13% in Q4 vs 3.90% in Q3 and 3.49% in Q4 2024; loans grew 38% annualized from Q3.
Non-performing assets to total assets rose to 0.95% at Dec 31, 2025 from 0.12% at Sep 30, due to downgrade of two well-collateralized construction loans and one commercial loan.
Book value per share $25.66, up $0.66 from Q3; IPO in Aug 2025 raised net proceeds of $61.3M.

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