{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002408","form_type":"8-K","ticker":"AVBH","cik":"0001443575","company_name":"Avidbank Holdings, Inc.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.096231+00:00","generated_at":"2026-05-16T06:23:33.037690+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Avidbank Q4 net income $6.9M, adjusted full-year EPS $2.80; NPA ratio rises to 0.95%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002408","json":"https://secwatch.observer/filing/0001437749-26-002408.json","markdown":"https://secwatch.observer/filing/0001437749-26-002408.md","text":"https://secwatch.observer/filing/0001437749-26-002408.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1443575/000143774926002408/0001437749-26-002408-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1443575/000143774926002408/avbh20251201_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:23:33.037690+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}