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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Avidbank

San Jose, California · $2.65B in assets · beside the 11 other California banks between $1B and $3B

The filing

95.7%
Loans / deposits
11th of 12
+16.3%
Loans, year over year
2nd of 12, largest first
39.4%
CRE / loans
4th of 12

Avidbank is the fourth largest of the 12 California banks nearest its size between $1B and $3B, with $2.65B in assets at 30 June 2026. Loans are 95.7% of deposits, 11th of 12 against a median of 89.7%, and equity is 11.6% of assets, 6th of 12. Loans grew +16.3% in the year, 2nd of 12, and deposits grew 16.0%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.65% of the book, 7th of 12 against a median of 0.58%; 0.07% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.42% of loans, 11th of 12. Commercial real estate is 39.4% of loans, 4th of 12 against a median of 41.4%, and 265% of capital, below the 300% screen, with construction at 50% against the 100% screen.

Return on assets is 1.37%, 5th of 12 against a median of 1.15%, on an efficiency ratio of 51.6%, 5th of 12. Five years ago it was 0.85%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 89.7% ED El Dorado Savings Bank FSB 23.6% OV Oak Valley Community Bank 66.0% PB Plumas Bank 80.1% MB Montecito Bank & Trust 80.2% MB Mission Bank 86.6% CB Calprivate Bank 89.4% WC West Coast Community Bank 90.0% BS Beneficial State Bank 90.9% CB Commonwealth Business Bank 91.6% UB United Business Bank 95.5% A Avidbank 95.7% OB Open Bank 96.2%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% PB Plumas Bank +48.5% A Avidbank +16.3% BS Beneficial State Bank +15.7% MB Mission Bank +12.9% OB Open Bank +9.0% WC West Coast Community Bank +7.7% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% CB Calprivate Bank +2.0% ED El Dorado Savings Bank FSB -5.8%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
AvidbankRankCohort median
Total CRE against capital, the 300% screen265%8th of 12261%
Construction against capital, the 100% screen50%11th of 1214%
Construction and land development, share of loans7.4%11th of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans19.4%3rd of 1228.5%
Total CRE, the guidance definition, share of loans39.4%4th of 1241.4%
CRE growth over 36 months, the third prong+11.6%4th of 12+29.7%
Commercial real estate against capital, the 300% screenCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 261% ED El Dorado Savings Bank FSB 0% PB Plumas Bank 235% MB Montecito Bank & Trust 240% CB Calprivate Bank 252% OB Open Bank 255% CB Commonwealth Business Bank 259% MB Mission Bank 263% A Avidbank 265% BS Beneficial State Bank 285% OV Oak Valley Community Bank 289% WC West Coast Community Bank 362% UB United Business Bank 402%
CRE growth over 36 months, the guidance's third prongCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +29.7% ED El Dorado Savings Bank FSB -70.8% CB Commonwealth Business Bank +5.2% MB Montecito Bank & Trust +11.2% A Avidbank +11.6% CB Calprivate Bank +13.9% UB United Business Bank +28.8% OV Oak Valley Community Bank +30.5% BS Beneficial State Bank +37.1% OB Open Bank +37.3% MB Mission Bank +44.9% PB Plumas Bank +50.7% WC West Coast Community Bank +74.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
West Coast Community Bank$2.94B2.0%42.1%0.50%0.38%1.5%90.0%13.5%
Open Bank$2.75B1.2%55.8%2.09%0.01%1.2%96.2%9.6%
Calprivate Bank$2.71B2.0%44.4%1.26%0.08%1.4%89.4%11.1%
Avidbank$2.65B1.4%51.6%0.65%0.42%1.0%95.7%11.6%
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
AvidbankCohort median
20212026Change20212026Change
Loans$1.01B$2.22B+119%$1.10B$1.54B+40%
Deposits$1.43B$2.32B+62%$1.43B$1.99B+39%
NPA / loans0.33%0.65%+0.32 pts0.22%0.58%+0.35 pts
Efficiency67.3%51.6%-15.7 pts55.2%56.2%+1.0 pts
ROA0.85%1.37%+0.53 pts1.11%1.15%+0.05 pts

This read was prepared for Avidbank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Avidbank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.avidbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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