Avidbank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 3.13 percentage points lower than in Q1 2026, at 73.85%. Avidbank ranks 41st of 114 California banks on return on assets, in the upper half at 1.26% (Q2 2026). At 1.26%, Avidbank's return on assets is close to the 1.27% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 12.77% |
| Tier 1 leverage ratio | 11.99% |
| Equity capital to assets | 11.60% |
| Tangible equity to tangible assets | 11.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.43% |
| Non-performing assets ratio | 1.20% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 4.39% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 67.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 10.60% |
| Net interest margin | 4.31% |
| Efficiency ratio | 54.11% |
| Yield on earning assets | 6.35% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.67% |
| Core deposits to total deposits | 73.85% |
| Brokered deposits to total deposits | 24.88% |
| Deposits to assets | 87.63% |
| Securities to assets | 8.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.70% | 10.70% | 11.63% | 10.31% | 1.01% |
| Q4 2023 | 10.65% | 10.65% | 11.63% | 10.22% | 0.10% |
| Q1 2024 | 10.82% | 10.82% | 11.81% | 10.43% | 0.96% |
| Q2 2024 | 10.73% | 10.73% | 11.82% | 10.32% | 0.65% |
| Q3 2024 | 11.51% | 11.51% | 12.65% | 10.62% | 1.05% |
| Q4 2024 | 11.32% | 11.32% | 12.26% | 11.07% | 1.16% |
| Q1 2025 | 11.78% | 11.78% | 12.74% | 11.02% | 1.00% |
| Q2 2025 | 11.68% | 11.68% | 12.65% | 11.18% | 1.07% |
| Q3 2025 | 12.11% | 12.11% | 13.14% | 11.55% | -6.30% |
| Q4 2025 | 11.46% | 11.46% | 12.45% | 11.65% | 1.19% |
| Q1 2026 | 11.87% | 11.87% | 12.80% | 11.88% | 1.52% |
| Q2 2026 | 11.83% | 11.83% | 12.77% | 11.99% | 1.26% |
Avidbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Avidbank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Avidbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57510) · FFIEC NIC profile (RSSD 3214059)