The bank maintains a conservative capital structure with an equity-to-assets ratio of 0.11, though total assets have remained stagnant at $2.6 billion due to regional lending constraints.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'06 | Dec'05 | Dec'04 | Dec'03 |
|---|
| Cash & Short Term Investments | 336.95M | 10.87M | 0 | 0 | 0 | 0 | 0 | 204.86M | 84.14M | 107.72M | 109.98M | 91.04M | 97.49M | 75.89M | 76.84M | 94.55M | 5.46M | 8.17M | 525.91K | 277.98K |
| Cash & Due from Banks | 10.57M | 7.94M | 0 | 0 | 0 | 0 | 0 | 152.85M | 27.65M | 33.36M | 20.3M | 21.28M | 17.99M | 16.91M | 21.49M | 12.38M | 5.46M | 8.17M | 525.91K | 277.98K |
| Short Term Investments | 0 | 2.92M | 0 | 0 | 0 | 0 | 0 | 52.01M | 56.49M | 74.36M | 89.69M | 69.77M | 79.5M | 58.98M | 55.34M | 82.18M | 0 | 0 | 0 | 0 |
| Total Investments | 2.5B | 2.92M | 0 | 0 | 0 | 0 | 0 | 929.53M | 854.07M | 714.34M | 598.21M | 139.53M | 416.59M | 311.63M | 298.13M | 285.77M | 99.81M | 66.33M | 44.36M | 15.25M |
| Investments Growth % | 0% | - | - | - | - | - | -100% | 8.83% | 19.56% | 19.41% | 328.73% | -66.51% | 33.68% | 4.53% | 4.33% | 186.3% | 50.47% | 49.55% | 190.81% | - |
| Long-Term Investments | 4.69B | 0 | 0 | 0 | 0 | 0 | 0 | 877.51M | 797.58M | 639.98M | 508.52M | 69.77M | 337.09M | 252.65M | 242.79M | 203.59M | 99.81M | 66.33M | 44.36M | 15.25M |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 28.98M | 15.53M | 13.6M | 12.84M | 7.3M | 8.69M | 4.13M | 4.38M | 5.11M | 813K | 642K | 383.76K | 147.12K |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 1.34M | 1.53M | 9.26M | 12.82M | 16.27M | 19.27M | 23.45M | 5.54M | 5.72M | 5.95M | 600K | 862K | 1.02M | 1.18M | 1.29M | 696.27K | 579K | 512K | 619.89K | 649.2K |
| Other Assets | 66.68M | 2.57B | -43.61M | -46M | -53.9M | -19.27M | -23.45M | 14.66M | 13.92M | 15.75M | 14.71M | -70.63M | 24.75M | 166.84M | 90.43M | 38.26M | 15.8M | 6.01M | 7.99M | 10.35M |
| Total Current Assets | 10.57M | 10.87M | 0 | 81.4M | 47.29M | 496.86M | 232.94M | 233.84M | 99.68M | 121.32M | 122.82M | 98.34M | 106.18M | 80.02M | 81.21M | 99.66M | 6.28M | 8.81M | 909.67K | 425.11K |
| Total Non-Current Assets | 2.57B | 2.57B | 0 | 0 | 0 | 0 | 0 | 897.72M | 817.23M | 661.67M | 523.83M | 70.63M | 362.86M | 420.66M | 334.51M | 242.54M | 116.2M | 72.86M | 52.96M | 26.25M |
| Total Assets | 2.58B | 2.57B | 2.31B | 2.24B | 2.14B | 2.16B | 1.43B | 1.13B | 916.9M | 782.99M | 646.65M | 601.64M | 469.04M | 500.68M | 415.72M | 342.2M | 122.47M | 81.67M | 53.87M | 26.67M |
| Asset Growth % | 30.02% | 11.32% | 3.27% | 4.53% | -1.11% | 51.16% | 26.43% | 23.41% | 17.1% | 21.08% | 7.48% | 28.27% | -6.32% | 20.44% | 21.48% | 179.41% | 49.96% | 51.6% | 101.98% | - |
| Return on Assets (ROA) | 1.11% | 0.98% | 0.92% | 0.77% | 1.16% | 0.68% | 0.75% | 1.26% | 1.31% | 0.79% | 1.16% | 0.69% | 0.57% | 0.55% | 0.72% | 1.65% | -0.22% | -1.22% | -5.11% | -2.71% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20.45M | 7.95M | 5.72M | 3.47M | 2.65M | 6.57M | 2.34M | 2.86M | 1.82M | 449K | 107K | 128.71K | 48.73K |
| Total Debt | 77M | 22M | 214.69M | 392.33M | 167.64M | 37.53M | 40.64M | 21.57M | 11.85M | 41.76M | 11.68M | 11.61M | 50M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Debt | 66.43M | 14.06M | 214.69M | 392.33M | 167.64M | 37.53M | 40.64M | -131.28M | -15.81M | 8.4M | -8.62M | -9.66M | 32.01M | -16.91M | -21.49M | -12.38M | -5.46M | -8.17M | -525.91K | -277.98K |
| Long-Term Debt | 22M | 22M | 22M | 381.91M | 151.81M | 21.7M | 21.57M | 21.57M | 11.85M | 41.76M | 11.68M | 11.61M | 25M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 55M | 0 | 187.62M | 3.05M | 2.96M | 2.88M | 2.82M | 0 | 0 | 0 | 0 | 0 | 25M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 2.21B | 2.27B | -30.98M | -393.68M | -169.84M | -34.66M | -37.82M | 0 | 0 | 0 | 0 | -11.61M | -25M | 0 | 0 | 0 | -447.59K | -106.95K | -128.71K | -48.73K |
| Total Current Liabilities | 55M | 0 | 0 | 1.51B | 1.78B | 1.88B | 1.17B | 993.59M | 804.54M | 652.13M | 571.47M | 2.65M | 417.49M | 452.64M | 377.86M | 308.51M | 108.79M | 67.7M | 39.25M | 9.91M |
| Total Non-Current Liabilities | 2.24B | 2.29B | 0 | 0 | 0 | 0 | 0 | 21.57M | 11.85M | 41.76M | 11.68M | 2.65M | 0 | 0 | 0 | 0 | -447.59K | -106.95K | -128.71K | -48.73K |
| Total Liabilities | 2.29B | 2.29B | 2.12B | 2.07B | 2B | 2.03B | 1.3B | 1.02B | 816.39M | 693.89M | 583.15M | 546.01M | 417.49M | 452.64M | 377.86M | 308.51M | 108.34M | 67.59M | 39.12M | 9.87M |
| Total Equity | 288.44M | 280.98M | 186.36M | 165.31M | 137.54M | 137.1M | 127.92M | 116.39M | 100.52M | 89.11M | 63.51M | 55.63M | 51.55M | 48.03M | 37.86M | 33.69M | 14.13M | 14.08M | 14.75M | 16.81M |
| Equity Growth % | 161.57% | 50.77% | 12.73% | 20.19% | 0.32% | 7.17% | 9.91% | 15.8% | 12.8% | 40.31% | 14.17% | 7.91% | 7.32% | 26.86% | 12.37% | 138.45% | 0.38% | -4.58% | -12.22% | - |
| Equity / Assets (Capital Ratio) | 11.18% | 10.93% | 8.07% | 7.4% | 6.43% | 6.34% | 8.94% | 10.29% | 10.96% | 11.38% | 9.82% | 9.25% | 10.99% | 9.59% | 9.11% | 9.85% | 11.54% | 17.24% | 27.38% | 63.01% |
| Return on Equity (ROE) | 10.53% | 10.26% | 11.95% | 11.1% | 18.22% | 9.25% | 7.88% | 11.85% | 11.73% | 7.41% | 12.19% | 6.87% | 5.51% | 5.84% | 7.67% | 16.04% | -1.61% | -5.76% | -13.03% | -4.3% |
| Book Value per Share | 26.77 | 36.56 | 24.51 | 22.07 | 19.78 | 22.61 | 21.44 | 19.68 | 17.13 | 17.00 | 13.64 | 12.31 | 11.71 | 13.47 | 14.40 | 12.93 | 7.47 | 7.61 | 8.00 | 9.12 |
| Tangible BV per Share | 26.77 | 36.56 | 24.51 | 22.07 | 19.78 | 22.61 | 21.44 | 19.68 | 17.13 | 17.00 | 13.64 | 12.31 | 11.71 | 13.47 | 14.40 | 12.93 | 7.47 | 7.61 | 8.00 | 9.12 |
| Common Stock | 169.47M | 169.99M | 107M | 104.5M | 102.36M | 72.8M | 70.72M | 62.23M | 62.23M | 62.23M | 42.22M | 42.25M | 42.25M | 42.25M | 27.62M | 27.62M | 18.58M | 18.51M | 18.42M | 18.42M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7.14M | 5.78M | 4.76M | 5.07M | 3.53M | 2.91M | 2.28M | 1.94M | 1.63M | 320K | 207K | 101.06K | 0 |
| Retained Earnings | 120.17M | 111.15M | 130.7M | 109.69M | 93.82M | 68.8M | 56.54M | 46.91M | 34.05M | 22.81M | 17.16M | 9.89M | 6.21M | 3.47M | 1.17M | -1.23M | -4.73M | -4.5M | -3.67M | -1.62M |
| Accumulated OCI | -1.21M | -161K | -51.34M | -48.88M | -58.65M | -4.5M | 667K | 108K | -1.55M | -700K | -937K | -49K | 178K | 32.67K | 1.18M | -228.97K | -38K | -139K | -92.73K | 5.92K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.95M | 5.91M | 0 | 0 | 0 | 0 |
Geographic and Sectoral Concentration
As reported in recent financial filings, Avidbank's total assets have remained largely stagnant at $2.6 billion, suggesting that the bank is prioritizing capital preservation over aggressive expansion in a challenging regional economic environment characterized by high vacancy rates in its core commercial real estate lending markets.
The lack of meaningful asset growth over the last ten quarters indicates a strategic pivot toward defensive positioning rather than market share acquisition. This stagnation appears to be a deliberate response to the risks inherent in the bank's extreme geographic concentration within the San Francisco Bay Area.
Based on the provided quarterly data, Avidbank maintains a conservative equity-to-assets ratio of approximately 0.11, which suggests that the institution is prioritizing a robust capital buffer to absorb potential volatility in its specialized venture lending and commercial real estate portfolios during this period of economic uncertainty.
The bank's reliance on retained earnings rather than capital market debt to fund its operations reflects a prudent approach to balance sheet management. Investors should monitor whether this capital adequacy remains sufficient if the bank is forced to increase loan loss provisions due to further deterioration in the local tech ecosystem.
According to 2025Q3 financial statements, Avidbank executed a significant $119.5 million divestment of investment securities, a move that appears to be a tactical effort to bolster liquidity in response to the ongoing pressures of maintaining a stable deposit base in a high-interest rate environment.
The shift in the investment portfolio composition suggests that management is actively managing liquidity to mitigate the risks associated with its specialized, high-touch client base. This reliance on securities liquidation to manage cash flow warrants further investigation into the bank's long-term ability to fund loan growth without compromising its liquidity profile.
As indicated by the bank's historical performance, the reliance on venture-linked fee income and structured finance creates a binary risk profile where systemic freezes in tech exits could simultaneously impair a large portion of the loan book, as noted in recent institutional research observations.
While the bank's low debt-to-equity ratio provides a veneer of safety, the underlying collateral quality is highly sensitive to the health of the Silicon Valley venture capital ecosystem. This concentration implies that the bank's risk profile is significantly more volatile than its headline capital ratios might suggest to a casual observer.
Quick answers to the most common questions about buying AVBH stock.
As of 2025, Avidbank Holdings, Inc. (AVBH) had total assets of $2.57B including $10.9M in current assets.
Avidbank Holdings, Inc. (AVBH) carries total debt of $22.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Avidbank Holdings, Inc. (AVBH) has total shareholders' equity (book value) of $281.0M ($36.56 book value per share). Book value represents the net worth of the company belonging to common stock holders.