Avidbank Holdings, Inc. (AVBH) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. Thank you for joining us today for Avid Bank's fourth quarter 2025 earnings call. Before we begin, let me remind you that today's call is being recorded and is available in the investor relations section of our website at avidbank.com, along with our earnings release and presentation material. Today's call contains forward-looking statements which are subject to certain risks, uncertainties, and other factors that could cause actual results to differ materially from those discussed. These statements are intended to be covered by safe harbor provisions of the federal securities laws. For a list of factors that may cause actual results to differ materially from expectations, please refer to our earnings release under the heading forward-looking statements, as well as the disclosures contained within our SEC filings. We will also reference non-GAAP financial measures alongside our discussion of GAAP results. We encourage you to review the GAAP to non-GAAP reconciliations provided in our earnings release. With that, I'd like to turn the call over to our chairman and CEO, Mark Mordell. Thank you, Gina. Thank you, Jordan. And thank you all for joining us for our second earnings call from being a public company. And I apologize for my voice. I'm just getting over a little bit of a flu from the beginning of this week. You know, we had a great quarter, I think, a real strong quarter of growth, which is really what we've been striving for really since the crisis in 23. And we're leaning into being that growth bank again. And we've been demonstrating that for the last couple of years at this point. You know, loans were up $190 million for the quarter and $283 million for the year, which is a 15% annualized growth rate. Deposits were up $92 million for the quarter ...