secwatch.observer — SEC 8-K summary
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Issuer:     Avidbank Holdings, Inc. (AVBH)
CIK:        0001443575
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001437749-26-002408
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1443575/000143774926002408/0001437749-26-002408-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1443575/000143774926002408/avbh20251201_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-002408

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