AVIDBANK

SAN JOSE, CA | Large | Est. Oct. 1, 2003, midnight | FDIC #57510 | RSSD #3214059 | FDIC
Latest Report: 2025-12-31

AVIDBANK is aln large FDIC-insured commercial bank headquartered in SAN JOSE, CA, established in Oct. 1, 2003, midnight. As of 2025-12-31, the bank reported total assets of $2.6B and total deposits of $2.2B. Profitability stands at 1.19% ROA and 10.22% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 11.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.14% and a Texas Ratio of 7.84%. FDIC Certificate #57510.

Assets

$2.6B

Deposits

$2.2B

Loans

$2.1B

Equity

$290M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 10.22%
Net Interest Margin (NIM) 4.50%
Yield on Assets 6.78%
Cost of Funds 9.21%

Asset Quality

NPL Ratio 1.14%
Net Charge-Off Ratio 0.07%
Texas Ratio 7.84%
NPA Ratio 0.96%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 11.46%
Tier 1 Capital 11.46%
Total Capital Ratio 12.45%
Leverage Ratio 11.65%
Loan-to-Deposit 98.03%

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