---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-024293"
form_type: "8-K"
ticker: "AVBH"
cik: "0001443575"
company_name: "Avidbank Holdings, Inc."
filed_at: "2026-07-23T20:01:27+00:00"
generated_at: "2026-07-23T20:03:20.484608+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Avidbank Q2 net income $7.6M ($0.71 EPS); adjusted EPS $0.76; loans up 9% annualized

## Summary
- Net income $7.6M ($0.71 diluted EPS) vs $9.0M ($0.84) in Q1 2026; adjusted net income $8.2M ($0.76 adjusted diluted EPS).
- Loans net of fees $2.22B, up $51.3M (9% annualized) from March 31; deposits $2.32B, up $122.6M (22% annualized).
- Net interest margin 4.26% vs 4.38% in Q1; provision for credit losses $2.8M vs $1.4M, including $1.9M partial charge-off on one construction loan.
- Non-performing loans to total loans 0.65% vs 0.75% prior quarter; book value per share $26.97, up $0.64.
- Includes $2.6M litigation settlement expense and $1.3M BOLI death benefit income; no share repurchases in Q2.

## SEC filing metadata
- accession: 0001437749-26-024293
- form_type: 8-K
- ticker: AVBH
- cik: 0001443575
- company_name: Avidbank Holdings, Inc.
- filed_at: 2026-07-23T20:01:27+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/1443575/000143774926024293/0001437749-26-024293-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1443575/000143774926024293/avbh20260518_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024293
- JSON: https://secwatch.observer/filing/0001437749-26-024293.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024293.txt

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