---
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"
generated_at: "2026-05-16T06:23:33.037690+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002408
- JSON: https://secwatch.observer/filing/0001437749-26-002408.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002408.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.