Avidbank Holdings, Inc. · NASDAQ:AVBH
Avidbank — Q2 2026 Earnings Presentation
26 slides from Avidbank's earnings presentation, Jul 24, 2026
Slide 1: Investor Presentation | Q2 2026
Investor Presentation | Q2 2026
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 Founded in 2003 with roots in dynamic Bay Area and Q2 2026 Income Highlights a national expansion strategy Reported Operating1 Diversified core funding base and well-balanced loan portfolio $0.71 $0.76 Diluted earnings Diluted earnings Experience
Slide 5: Our Business Model
Our Business Model Local Bay Area1 Focus …. … With a Growing National Presence Corporate Banking Venture Lending Traditional core commercial and owner-occupied lending to Comprehensive suite of banking and financing solutions for VC- small and mid-sized commercial Bay Area clients backed tech com
Slide 6: Bay Area Core, Expanding National Reach
Bay Area Core, Expanding National Reach Avidbank serves clients in 41 states with team members located in key innovation hubs nationwide 27% of loan balances are outside of California, driven by targeted growth in Venture and Specialty Finance Bay Area LPO San Francisco LPO Redwood City Branch and H
Slide 7: Q2 2026 Balance Sheet
Q2 2026 Balance Sheet Result s as of and for $ in thousands Q2 2026 Q1 2026 Q2 2025 Q2 2026 Q1 2026 Q2 2025 Balance Sheet: Balance Sheet and Capital Ratios: Cash and Cash Equivalents $ 159,909 $ 149,042 $ 129,923 Tier 1 Leverage Ratio 11.50% 11.39% 10.53% Debt Securities 232,196 210,583 292,808 Comm
Slide 8: Q2 2026 Income and Profitability
Q2 2026 Income and Profitability Result s as of and for Change from Second quarter of 2026 $ in thousands, except per share amounts Q2 2026 Q1 2026 Q2 2025 Q1 2026* Q2 2025 included a $2.6 million Select Operating Data: expense related to the Net Interest Income $ 26,681 $ 26,500 $ 20,290 $ 181 3%
Slide 9: Proven Organic Growth
Proven Organic Growth Total Assets ($s in millions) Total Loans ($s in millions) Total Deposits ($s in millions) Loan / Deposit Ratio (%) 9
Slide 10: Net Interest Margin
Net Interest Margin Taxable-Equivalent Net Interest Income1 ($s in thousands) and Net Interest Margin (%) Repositioning the investment portfolio, decreasing deposit costs, and growth in DDA contributed to expanding margin Net interest margin declined 12 basis points to 4.26% in the second quarte
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 15% loan CAGR since 2018, demonstrating history of consistent organic growth Commercial lending focus – C&I plus owner-occupied CRE account for 59% of total loans Diversified CRE book spans office, hotel, retail, industrial and
Slide 13: C&I Lending Overview
C&I Lending Overview Diversified portfolio of C&I lending includes multiple verticals and varied industries, driving balanced, disciplined growth Total C&I Loans at June 30, 2026: $1.1B 13 1Represents loans to nondepository financial institutions, primarily capital call loans to private equity funds
Slide 14: Venture Lending Overview
Venture Lending Overview Venture Loans and Deposits ($s in millions) Launched in 2019, Avidbank’s venture platform serves VC-backed tech companies and their investors Deposit s/ nationwide Loans Platform is highly self-funded, with client deposits exceeding loan balances by 2.8 times Borrowers
Slide 15: Venture Lending SaaS Exposure
Venture Lending SaaS Exposure AI Advancement and SaaS Transformation SaaS Lending Exposure by Industry The SaaS revenue model is undergoing a fundamental shift primarily driven by the accelerated advancements of AI. Horizontal SaaS businesses are generally viewed as the most vulnerable to disrupti
Slide 16: 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 Structured credit process combines efficient execution with strong controls, including: – Multi-leve
Slide 17: Special Mention and Substandard / Doubtful Loans
Special Mention and Substandard / Doubtful Loans Special Mention Loan Trends ($s in millions) Substandard / Doubtful Loan Trends ($s in millions) Special Mention Characteristics Substandard / Doubtful Characteristics Includes $14.4 million Includes non-owner non-performing occupied CRE construction
Slide 18: Varied Funding Sources
Varied Funding Sources Five Quarter Deposit Trend ($s in millions) Period-end deposits increased $123 million from March 31, 2026 and $319 million from June 30, 2025 Multi-pronged deposit strategy: Venture Lending drives funding with deposit generation well in excess of loan balances Special
Slide 19: Securities Portfolio
Securities Portfolio Investment Portfolio / Total Assets (%) & Portfolio Yield (%) Investment portfolio totaled $232 million at June 30, 2026 Book yield: 4.68% Duration: 3.6 years Average life: 4.8 years Comprised primarily of agency MBS and CMOs 100% of securities portfolio is classified
Slide 20: Appendix
Appendix
Slide 21: 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 22: 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 23: Historical Balance Sheet
Historical Balance Sheet $s in thousands Fiscal Year Ended December 31, Quart er Ended 2025 2024 2023 2022 2021 Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Cash and Cash Equivalents $ 154,569 $ 82,701 $ 81,396 $ 47,288 $ 493,343 $ 159,909 $ 149,042 $ 154,569 $ 177,319 $ 129
Slide 24: Historical Income Statement
Historical Income Statement Fiscal Year Ended December 31, Quart er Ended $s in thousands except share data 2025 2024 2023 2022 2021 Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Interest and Fees on Loans $ 132,825 $ 130,878 $ 112,494 $ 71,813 $ 50,823 $ 36,484 $ 35,429 $ 34
Slide 25: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation1 Fiscal Year Ended December 31, Quart er Ended $s in thousands 2025 2024 2023 2022 2021 Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Non-GAAP Adjust ed Net Income Reconciliat ion Net (Loss) / Income - GAAP ($19,553) $21,015 $16,801 $25,023 $12
Slide 26: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Fiscal Year Ended December 31, Quart er Ended $s in thousands 2025 2024 2023 2022 2021 Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Non-GAAP Adjust ed Ret urn on Average Equit y Reconciliat ion Net (Loss) / Income - GAAP ($19,553) $21,015 $16,