Avidbank Holdings, Inc. · NASDAQ:AVBH
Avidbank — Debt Investor Presentation (August 2026)
34 slides from Avidbank's debt investor presentation, Aug 27, 2026
Slide 1: Avidbank Holdings, Inc. Subordinated Debt Offering
Avidbank Holdings, Inc. Subordinated Debt Offering Investor Presentation AUGUST 2026
Slide 2: Safe Harbor Statement and Disclaimers
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Slide 3: Safe Harbor Statement and Disclaimers (continued)
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Slide 4: Offering Summary
‘Avidbank Holdings, In, (NASDAQGS: AVBH) a g 3 “a ° g 2? 3 3 9 a ® a Ee rr) = 5 a Security Bank Holding Company Fixed-to-Floating Rate Subordinated Notes Offering Type Regulation D Private Placement Principal Amount $30.0 milion ‘BBB+ by Egan-Jones Ratings Company Term / Maturity 10 Years /2036 ‘Opt
Slide 5: Presenters
Presenters [Mark D, Morell Choirman ofthe Roord and Chief Executive + Jed he Bed Oreos of he Barkin jn 206, pened Cotman in Febru of 207, named CEO of Aeban Hldngs an the Barkin March 2012 1 rng over 2 year of firancserces rel enue ad verte snes exper tthe Co + nln Capron ace pay, CB Mops hh fn el t
Slide 6: Diversified Commercial Bank Positioned for Growth
Diversified Commercial Bank Positioned for Growth Company Overview Founded 200 rooted athe Bay Aes with natlona expansion stetegy | eicin: otprint ith ne usec branch and wo LPs Experienced management team and continued investment in alent | oie underniting proach wt proven ecard [verses coretuncing
Slide 7: AVBH Business Model
i ! AVBH Business Model Venture Lending icecpareca Renting + Comprehensive suite of ankng and franc soons + Tadtonal conirerclandonneroccpeleningto forve-snsreoaciesconpines sal and mse Bay area lets + rows hgh touch service enable out ca centst0 meet th fearing needs and manage ei cash Specialty Fi
Slide 8: Bay Area Core, Expanding National Reach
mddbank Bay Area’ Core, Expanding National Reach Q worrieadgertes Hi Primary Lending Area, Biase + Axlcbank serves cents in 1 states with team members located in key innovation hubs nationwide 27% of loan balances are ousise of Calrorn,crven by targetesgrouth in Venture ond Specialty Finance
Slide 9: Proven Organic Growth
Proven Organic Growth Total Assets ($M) 52570) $2560 $2660 $2304 52.162 $2933 $2231 ‘2o1ey 2019” 2020 2021 2022v 2023 2024 2025 202601 202602 Total Deposits ($M) 2.186) 32.199 $2322 1st sist 3179 $1823 ‘orev 2019” 2020" 2021¥ 2072v 2023 2024V 2025 202601 202602 Total Loans ($M) s2,14g| $2173 52.228
Slide 10: Robust Capital Ratios
Robust Capital Ratios ‘Tangible Common Equity / Tangible Assets Ratio’ (%) Tier 1 Leverage Ratio (%) Ezz Gosse}) me% 13% vizaw | 11398 11.50% Gaza }— soos sass aN [| al LL ca atv oY RY 2o24ge eat oasy —amay ams e260 202602 Tier 1 Risk-Based Sed Capt Ratio %) sed sed Capita Ratio (4) resem 1.05% | 11
Slide 11: Significant Net Interest Margin Expansion
Significant Net Interest Margin Expansion Net Interest Income messi and Net Interest Margin (%) Net Interest Income Sensitivity somata" Sc oa Scena bk ae ok Sey 11.7% 413% 426% 8.0% 79% bie iaonad eo aemees : _ cre tc i) See ee ee ee ee eee SE EE EE Historical Loan Vilds() Historical Deposit Costs)
Slide 12: Controlled Expense Growth
Controlled Expense Growth Scalable expense base supports double dig annual balance sheet gromth | Focused on drving postive operating leverage Branchslte strategy minimizes overhead Future expense growth primary drven by strategic banker hires Prot investment In technology whe emoiing cognizant of o
Slide 13: Enhanced Profitability
Enhanced Profitabi Net interest Margin (4) Conpced S91" ia Pui fering Serbt secre resacrrg R233 GMP DAdjstedt 122 sony hose 1208 I Ba | T a zoo 2022 ao2sy 202502 $123 ROAE (%) 92% 106% GAP DAdustedt sz0 sng $249. GAP DAdustedt 520 saz ‘sgh 202602 127% 202601 202602
Slide 14: Diversified Lending Platform
Diversified Lending Platform Commercial focus ~ Cpls owneroccuped CRE acount for 59% of total loans versed and conservative underwritten CRE Book - no single-sector ‘Short oan portolo duration of 3.8 years enable efficient asset abity ‘management Loan Portfolio Growth by Type? (2025Q2 to 202692) Sim
Slide 15: Non-owner Occupied CRE and Construction Lending
Non-owner Occupied CRE and Construction Lending Non-Owner Occupied CRE Portfolio ‘The NOO CRE and construction dios leverage dea local experi, heaton Partnering with op ter proven rea esate nesters ane cevelopers eee Tans (50005) Sf toans Office $143,136 100% of NOO CRE and construction collaterals
Slide 16: C&I Lending Overview
C&l Lending Overview (Cl lending includes multiple verticals and varied nduses, driving ‘Scipined growth other ce ‘$62 milion copia all inest se2miton = ot en Asset Bases ening $207 mon 19% 7 The cute Act. loans fr the CB porto 1.31% and average Inet charge offs / average Ct lars forthe past 10 year
Slide 17: Venture Lending Overview
Venture Lending Overview Launched in 2019, Avicbank’s venture platform serves VC backed companies Platform highly self-funded, with cent deposits equal to 2.8 times outstanding, foanbalnces Borrowers are required to bank with Avidbank whieh provides adie vibty Into casvows and tghter creat contol he
Slide 18: Venture Lending SaaS Detail
Venture Lending SaaS Detail Al Advancement and Saas Transformation + The SaaS revenue models undergoing a fundamental hit primary driven by the dccelerated advancements ofA fn horzontal or vera t + Avidbankis closely mentoring an emerging chvergence in SaaS companies focused reais + Horizontak Solve
Slide 19: Disciplined Credit Culture and Minimal History of Losses
Disciplined Credit Culture and Minimal History of Losses Credit Culture & Underwriting Standards + Proven ability to manage crest through cycles wth minimal oss history, even following wumultuous periods fr the sector, + Structured credit process combines ecient execution with strong controls + Mult
Slide 20: Special Mention and Substandard / Doubtful Loans
Special Mention and Substandard / Doubtful Loans Special Mention Loan Trends Substandard / Doubtful Loan Trends moral special Menion(sMt) -o=Percen, merTota Substandard / Doubts) —o-Percentof Loans) (vaaw) [rr] sis ow) [36m] [onan (os2%) [ose] sab 2a) eas] ew) Oe su a $263 $200 $213 s108 586 TE uid
Slide 21: Varied Funding Sources
Varied Funding Sources Commentary 1+ Period-end deposits increased $123 millon fom March 31, 2026 and $319 milion fromjune 30, 2025 1+ Mutt-pronges depose strategy: “+ Venture Lending drives funcing with deposk generation wellin excess of oan balances (approximatey 28x depos / Toons within Venture L
Slide 22: Securities Portfolio
Securities Portfolio Commentary ‘+ Repositioned investment portfolio with proceeds from IPO + Sold $275 milion in avalabe-for-sle securities with an average yield of 11828 fora loss of $62.4 milion; purchased $205 milion in avalable-or-sale ‘securities with an average purchase yield of 45736 + Inves
Slide 23: Pro Forma Interest Coverage and Double Leverage
Pro Forma Interest Coverage and Double Leverage quarter annus Eo eset ak Ss she 5208 senate 2207 270201 307839 rst 7300 7538 5312 ese i079 6185 Double average Ratle 0% ae ioe 05 on ‘we enor Pops ah BeAr Ta325 Iedergton tiga st e200) rest ark sty ‘soco ‘ro Forma Eanes a Sabi 289 Covad 296185 Tous epo
Slide 24: Illustrative Pro Forma Capital Ratios
Illustrative Pro Forma Capital Ratios Heng Company Cah 8 Eales S275 20305! 2000) ‘Reunion emer fy Wt apa 4950 soso tr ctl 230950 aoso 2 cpl 37392 2032s 3200 sas0 Toul Cpt mae Bae 3200) 7 Total is Wein ses 259ene 3865 400) 200.099 Connon Ey Tt pal ‘206508 $500 sonsne ‘rt a seesoe ‘000 sno Te? Cpl ert
Slide 25: Appendix
Avidbank Appendix
Slide 26: Experienced Leadership
mddbank Experienced Leadership ‘Poston 02 one Pree a od esate tig nek gt 206 gah barra on aga 28 ny Sak see ‘orbea we becteneananessaet lesan «recat i Presiden and Cie Opertig Ofer iets cigoregna nace ranaainaeccn iben eee Tani ara erect ie Pree on of Se DeMarco xc vce Freier Che eel Ofew, eed of Kv
Slide 27: Top Borrower Relationships
Top 20 Borrower Relationships Relationship. Exposure (30005) tor 4 Lean type Industry commitments, since 7 caNCABL Waste Management 2 2017 2 RE CAL fea Estate 2 3 Cailfund nance) Fnacilinstution 1 5 PropertyManagement 3 5 Mstiomiy.c&l RealEstate 8 7 cre cu fea esate 4 9 Cai(Sponsor Finance) Healthca
Slide 28: Top Deposit Relationships
Top 20 Deposit Relationships Relationship with avant 1 Venture Lenaing Tecnology Horizont 35) 2019 2 Specialy Deposts 1031 exchange 20m 3 Sponsor France Final Serves 2024 4&VertreLening Tectolony 2020 5 Corporate Banking ngneering 2023 6 Venture ending Professions Services oa 7 Venture tending Techn
Slide 29: 2026Q2 Balance Sheet
2026Q2 Balance Sheet Sinton game giame —_gz2ms gazes gis nas ‘ance sheet ‘aance sheet na Capa Ratios sh andcash Equals sis99m — su9p@—$129923 Tw Lnerage fate a nc 223% 710583 armen yer Rae Nae thom aanaete 251908 Tier ike Capt ate ‘a8 Mame Home 77 os ‘rl ek aed Cpl a8 sase Bass “angle omen qu Tange
Slide 30: 2026Q2 Income and Profitability
2026Q2 Income and Profitability Sin devsonds exept pershereamounss 022026 912026 _ 922025 ‘Select Operating Oats Net inearest income 525681 525500 $20,290 Proison for Cre Losses 2789 ass 825 TosalNominerest come 30s 1se7 1538 Taino nerest Expense rears 1408212509 Income Before income Taner Tae 12440
Slide 31: Historical Balance Sheet
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Slide 32: Historical Income Statement
mddbank Historical Income Statement
Slide 33: GAAP to Non-GAAP Reconciliation
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Slide 34: GAAP to Non-GAAP Reconciliation
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Avidbank Holdings — Debt Investor Presentation (August 2026) on 6ix