Avidbank Holdings, Inc. · NASDAQ:AVBH
Avidbank — Q4 2025 Earnings Presentation
26 slides from Avidbank's earnings presentation, Jan 30, 2026
Slide 1: Investor Presentation | Q4 2025
Investor Presentation | Q4 2025
Slide 2: Safe Harbor Statement and Disclaimer
Safe Harbor Statement and Disclaimer Forward-Looking Statements This presentation contains forward-looking statements within the meaning of U.S. federal securities laws, which involve risks and uncertainties. You should not place undue reliance on forward- looking statements because they are subject
Slide 3: Safe Harbor Statement and Disclaimer (continued)
Safe Harbor Statement and Disclaimer (continued) Industry Information Within this presentation, we reference certain industry and sector information and statistics. We have obtained this information and statistics from various independent, third-party sources. Nothing in the data used or derived fro
Slide 4: Diversified Commercial Bank Positioned for Growth
Diversified Commercial Bank Positioned for Growth Overview Q4 2025 Income Highlights Founded in 2003 with roots in dynamic Bay Area and a national expansion strategy $25.66 Book value per share Disciplined underwriting approach with a proven track record of solid asset quality through various eco
Slide 5: Our Business Model
Our Business Model Local Bay Area Focus Growing National Presence Corporate Commercial Real Construction Venture Lending Specialty Banking Estate Lending & Fund Finance Finance Traditional core Provides a range Provides land Comprehensive Provides commercial of financing acquisition suite o
Slide 6: Bay Area Core, Expanding National Reach
Bay Area Core, Expanding National Reach San Francisco Bay Area 1 LPO San Francisco LPO Redwood City Branch and HQ San Jose AVBH Headquarters Primary Lending Area Banking Relationships Avidbank serves clients in 39 states with team members located in key innovation hubs nationwide 26% of loan balance
Slide 7: Q4 2025 Balance Sheet
Q4 2025 Balance Sheet Result s as of and for $ in thousands Q4 2025 Q3 2025 Q4 2024 Q4 2025 Q3 2025 Q4 2024 Balance Sheet : Balance Sheet and Capit al Rat ios: Cash and Cash Equivalents $ 154,569 $ 177,319 $ 82,701 Tier 1 Leverage Ratio 11.2% 11.1% 10.4% Investment Securities 218,160 173,588 296,556
Slide 8: Q4 2025 Income and Profitability
Q4 2025 Income and Profitability Result s as of and for $ in thousands, except per share amounts Q4 2025 Q3 2025 Q4 2024 2025 2024 Net income totaled $6.9 million and Select Operat ing Dat a: diluted EPS of $0.65 for the fourth Net Interest Income $ 25,013 $ 22,650 $ 19,199 $ 87,305 $ 75,222 Provis
Slide 9: Proven Organic Growth
Proven Organic Growth Total Assets ($M) Total Loans ($M) Total Deposits ($M) Loan / Deposit Ratio (%) 9
Slide 10: Net Interest Margin Expansion
Net Interest Margin Expansion Net Interest Income ($) and Net Interest Margin (%) Net Interest Income Sensitivity Repositioning the investment portfolio, decreasing deposit costs, and growth in DDA 52% of loans floating at have contributed to expanding margin December 31, 2025 Historical Loan Yields
Slide 11: Improvement in Capital Ratios
Improvement in Capital Ratios Common Equity Ratio (%) Tier 1 Leverage Ratio (%) Tier 1 Risk Based Capital Ratio (%) Total Risk Based Capital Ratio (%) 11
Slide 12: Diversified Lending Platform
Diversified Lending Platform Loan Portfolio Interest Rate Comparison 1 Diversified C&I lending verticals driving balanced, disciplined growth 16% loan CAGR since 2017, demonstrating history of consistent organic growth Commercial lending focus – C&I plus owner-occupied CRE account for 57% of tot
Slide 13: Disciplined Credit Culture and Minimal History of Losses
Disciplined Credit Culture and Minimal History of Losses NPAs / Assets (%) Proven ability to manage credit through cycles with minimal loss history, even following tumultuous periods for the sector Low net-charge-offs, averaging just 6 bps annually since 2017 Structured credit process combines
Slide 14: Deposits by Design
Deposits by Design Deposit Engines Fund Loan Growth Dollars in millions Multi-pronged deposit strategy links lending verticals with standalone initiatives Treasury Management team bolstered in 2023, helping to drive strong core deposit growth Venture Lending & Fund Finance drives funding with
Slide 15: Funding
Funding Funding Composition Period-end deposit growth of $295 million, or 16%, in 2025 Dollars in millions / % of total funding Noninterest bearing deposit growth of $143 million, or Non-IB Deposits IB Deposits Time Deposits 34%, in 2025 and accounts for 25% of total deposits Subordinated Debt O
Slide 16: Securities Portfolio
Securities Portfolio Investment Portfolio / Total Assets (%) & Portfolio Yield (%) Repositioned investment portfolio with proceeds from IPO Sold $275 million in available-for-sale securities with an average Portfolio book yield at yield of 1.82% for a loss of $62.4 million; purchased $205 millio
Slide 17: Appendix
Appendix
Slide 18: Experienced Management Team
Experienced Management Team Mark D. Mordell – Chairman of the Board, President and Chief Executive Offi cer Joined the board of directors of the Bank in January of 2006, appointed Chairman in February of 2007, named CEO of Avidbank Holdings and the Bank in March 2012 Brings over 30 years of financi
Slide 19: Experienced Management Team
Experienced Management Team Tami Laura Benedict – Executive Vice President and Chief of Staff Joined the Bank in 2006 as an online banking specialist, was promoted to Assistant VP and Operations Manager of the Bank in 2008, then to VP in 2012, where she took on the additional responsibility as the
Slide 20: Core Bay Area Banking Divisions
Core Bay Area Banking Divisions Lean Branch Footprint in the Attractive Bay Area Bay Area Lending Divisions Corporate Banking Division Focused on small to mid-sized commercial clients across diverse industries Clients typically demonstrate strong financial profiles, including profitability, low lev
Slide 21: Venture Business Banking Overview
Venture Business Banking Overview Driving Core Deposit Growth Through Deep, Relationship-Based Lending in the Innovation Economy Launched in 2019, Avidbank’s venture platform serves VC-backed tech Clients are backed by institutional capital, with experienced sponsors companies and their investor
Slide 22: Differentiated Self-Funding Specialty Finance Platform
Differentiated Self-Funding Specialty Finance Platform Two Teams Provide Unique Credit Solutions While Generating Quality Deposits Sponsor Finance Lending Target Clients Industries Served Provides funding for lower-middle Software Manufacturers Private equity-backed companies market acquisition
Slide 23: Historical Balance Sheet
Historical Balance Sheet $ in thousands Fiscal Year Ended December 31, Quart er Ended 2025 2024 2023 2022 2021 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Mar. 31, 2025 Dec. 31, 2024 Cash and Cash Equivalents $ 154,569 $ 82,701 $ 81,396 $ 47,288 $ 493,343 $ 154,569 $ 177,319 $ 129,923 $ 125,001 $ 82,7
Slide 24: Historical Income Statement
Historical Income Statement Fiscal Year Ended December 31, Quart er Ended $ in thousands except share data 2025 2024 2023 2022 2021 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Mar. 31, 2025 Dec. 31, 2024 Interest and Fees on Loans $ 132,825 $ 130,878 $ 112,494 $ 71,813 $ 50,823 $ 34,093 $ 33,880 $ 32,
Slide 25: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Fiscal Year Ended December 31, Quart er Ended $ in thousands 2025 2024 2023 2022 2021 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Mar. 31, 2025 Dec. 31, 2024 Non-GAAP Adjust ed Net Income Reconciliat ion Net (Loss) / Income - GAAP ($19,553) $21,015 $16,801 $25,023 $12,2
Slide 26: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Fiscal Year Ended December 31, Quart er Ended $ in thousands 2025 2024 2023 2022 2021 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Mar. 31, 2025 Dec. 31, 2024 Non-GAAP Adjust ed Efficiency Rat io Reconciliat ion Noninterest Expense $52,781 $47,333 $43,893 $40,790 $35,616