AVBH on Nasdaq
Avidbank Holdings, Inc.
Avidbank Holdings, Inc. is an American state commercial bank based in San Jose, listed on Nasdaq (AVBH).2
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Last updated Oct 21, 2026.
Overview
- TickerAVBH on Nasdaq2
- IndustryState Commercial Banks2
- HeadquartersSan Jose, United States2
- Incorporated inCA3
- Business address1732 N. 1St Street, 6Th Floor, San Jose, Ca 951123
- Filer category, Emerging growth company3
- Legal formCorporation2
- LEI54930029UJ8M0B84EE442
- StatusActive2
- LEI statusIssued and current2
- Registered addressC/O TELOS LEGAL CORP., 95811 Sacramento, United States2
- Registered withSecretary of State, 30590142
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We are Avidbank Holdings, a bank holding company based in San Jose, California that operates through our wholly owned subsidiary, Avidbank, a California state-chartered bank ("Avidbank" or the "Bank"). Founded in 2003, Avidbank is a full-service commercial bank dedicated to providing innovative banking solutions to a diverse client base, including small-to-medium sized businesses, technology companies, and individuals through robust portfolios of lending products, deposit services, and digital banking capabilities. We believe we provide competitive deposit products and treasury management solutions with a high-touch, relationship-driven approach, guided by our commitment to being Responsive, Collaborative & Accountable—principles we embody in every client interaction. Our experienced management team focuses on loan growth while striving to maintain excellent credit quality, core deposit …4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $132.8M | $130.9M |
| Taxable debt securities | $6.8M | $7.1M |
| Tax-exempt debt securities | $122.0K | $95.0K |
| Federal Home Loan Bank dividends | $735.0K | $752.0K |
| Other interest income | $5.3M | $3.6M |
| Total interest income | $145.8M | $142.4M |
| Interest on deposits | $53.2M | $54.1M |
| Interest on other borrowings | $3.5M | $11.9M |
| Interest on long-term debt | $1.7M | $1.2M |
| Total interest expense | $58.4M | $67.2M |
| Net interest income | $87.3M | $75.2M |
| Provision for credit losses | $5.1M | $4.1M |
| Net interest income after provision for credit losses | $82.2M | $71.1M |
| Service charges and fees | $3.2M | $2.6M |
| Foreign exchange income | $937.0K | $896.0K |
| Bank-owned life insurance income | $372.0K | $508.0K |
| Warrant and success fee income | $648.0K | $65.0K |
| Other investment income | $485.0K | $1.1M |
| Net loss on sale of debt securities | -$62.4M | $0 |
| Other income | $395.0K | $849.0K |
| Total non-interest income | -$56.4M | $6.0M |
| Salaries and employee benefits | $37.4M | $32.5M |
| Occupancy and equipment | $3.2M | $4.0M |
| Data processing | $2.9M | $2.4M |
| Legal and professional fees | $2.7M | $2.1M |
| Regulatory assessments | $1.9M | $2.1M |
| Other operating expenses | $4.6M | $4.2M |
| Total non-interest expense | $52.8M | $47.3M |
| (Loss) / income before (benefit) / provision for income taxes | -$27.0M | $29.8M |
| (Benefit) / provision for income taxes | -$7.4M | $8.8M |
| Net (loss) / income | -$19.6M | $21.0M |
| Basic (loss) / earnings per common share (in dollars per share) | -$2.25 | $2.83 |
| Diluted (loss) / earnings per common share (in dollars per share) | -$2.25 | $2.76 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from financial institutions | $7.9M | $8.7M | |
| Due from Federal Reserve Bank and interest-bearing deposits in other financial institutions | $146.6M | $74.0M | |
| Total cash and cash equivalents | $154.6M | $82.7M | |
| Debt securities available-for-sale, at fair value (amortized cost $218,488 and $369,155, net of allowance for credit losses of $0 and $0) | $218.2M | $296.6M | |
| Loans, net of allowance for credit losses on loans of $22,261 in 2025 and $18,679 in 2024 | $2.1B | $1.8B | |
| Federal Home Loan Bank stock, at cost | $8.4M | $8.4M | |
| Premises and equipment, net | $1.5M | $2.3M | |
| Cash surrender value of bank-owned life insurance policies | $13.0M | $12.7M | |
| Interest Receivable | $47.8M | $55.6M | |
| Total assets | $2.6B | $2.3B | |
| Non-interest-bearing | $557.0M | $414.3M | |
| Interest-bearing | $1.6B | $1.5B | |
| Total deposits | $2.2B | $1.9B | |
| Short-term borrowings | $60.0M | $185.0M | |
| Subordinated debentures, net | $22.0M | $22.0M | |
| Accrued Liabilities and Other Liabilities | $20.6M | $19.8M | |
| Total liabilities | $2.3B | $2.1B | |
| Preferred stock - no par value; 5,000,000 shares authorized, no shares issued and outstanding at December 31, 2025 and 2024 | $0 | $0 | |
| Common stock - no par value; 25,000,000 and 15,000,000 shares authorized; 10,947,967 and 7,906,761 shares issued and outstanding at December 31, 2025 and 2024, respectively | $170.0M | $107.0M | |
| Retained earnings | $111.2M | $130.7M | |
| Accumulated other comprehensive loss, net of taxes | -$161.0K | -$51.3M | |
| Total shareholders' equity | $281.0M | $186.4M | $165.3M |
| Total liabilities and shareholders' equity | $2.6B | $2.3B | |
| Amortized cost | $218.5M | $369.2M | |
| Allowance for credit losses | $0 | $0 | |
| Loans, allowance for credit loss | $22.3M | $18.7M | $19.1M |
| Preferred stock, par value (in dollars per share) | $0 | $0 | |
| Preferred stock, shares authorized (in shares) | 5.0M shares | 5.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, shares authorized (in shares) | 25.0M shares | 15.0M shares | |
| Common stock, shares issued (in shares) | 10.9M shares | 7.9M shares | |
| Common stock, shares outstanding (in shares) | 10.9M shares | 7.9M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from financial institutions | $7.9M | $8.7M | |
| Due from Federal Reserve Bank and interest-bearing deposits in other financial institutions | $146.6M | $74.0M | |
| Total cash and cash equivalents | $154.6M | $82.7M | |
| Debt securities available-for-sale, at fair value (amortized cost $218,488 and $369,155, net of allowance for credit losses of $0 and $0) | $218.2M | $296.6M | |
| Loans, net of allowance for credit losses on loans of $22,261 in 2025 and $18,679 in 2024 | $2.1B | $1.8B | |
| Federal Home Loan Bank stock, at cost | $8.4M | $8.4M | |
| Premises and equipment, net | $1.5M | $2.3M | |
| Cash surrender value of bank-owned life insurance policies | $13.0M | $12.7M | |
| Interest Receivable | $47.8M | $55.6M | |
| Total assets | $2.6B | $2.3B | |
| Non-interest-bearing | $557.0M | $414.3M | |
| Interest-bearing | $1.6B | $1.5B | |
| Total deposits | $2.2B | $1.9B | |
| Short-term borrowings | $60.0M | $185.0M | |
| Subordinated debentures, net | $22.0M | $22.0M | |
| Accrued Liabilities and Other Liabilities | $20.6M | $19.8M | |
| Total liabilities | $2.3B | $2.1B | |
| Preferred stock - no par value; 5,000,000 shares authorized, no shares issued and outstanding at December 31, 2025 and 2024 | $0 | $0 | |
| Common stock - no par value; 25,000,000 and 15,000,000 shares authorized; 10,947,967 and 7,906,761 shares issued and outstanding at December 31, 2025 and 2024, respectively | $170.0M | $107.0M | |
| Retained earnings | $111.2M | $130.7M | |
| Accumulated other comprehensive loss, net of taxes | -$161.0K | -$51.3M | |
| Total shareholders' equity | $281.0M | $186.4M | $165.3M |
| Total liabilities and shareholders' equity | $2.6B | $2.3B | |
| Amortized cost | $218.5M | $369.2M | |
| Allowance for credit losses | $0 | $0 | |
| Loans, allowance for credit loss | $22.3M | $18.7M | $19.1M |
| Preferred stock, par value (in dollars per share) | $0 | $0 | |
| Preferred stock, shares authorized (in shares) | 5.0M shares | 5.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, shares authorized (in shares) | 25.0M shares | 15.0M shares | |
| Common stock, shares issued (in shares) | 10.9M shares | 7.9M shares | |
| Common stock, shares outstanding (in shares) | 10.9M shares | 7.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net (loss) / income | -$19.6M | $21.0M |
| Provision for credit losses | $5.1M | $4.1M |
| Depreciation, amortization and accretion | $1.1M | $1.6M |
| Net loss on sale of debt securities | $62.4M | $0 |
| (Gain) / loss on disposal of premises and equipment | $0 | -$16.0K |
| Amortization of debt issuance costs | $0 | $94.0K |
| (Increase) / decrease in deferred loan origination fees, net | -$276.0K | -$228.0K |
| Earnings on bank-owned life insurance policies | -$372.0K | -$508.0K |
| Repayment of operating lease liabilities | $2.3M | $2.9M |
| Stock-based compensation expense | $3.2M | $3.2M |
| Deferred income taxes | $7.3M | $348.0K |
| Net (increase) / decrease in accrued interest receivable and other assets | -$22.9M | -$130.0K |
| Net increase / (decrease) in accrued interest payable and other liabilities | $716.0K | -$9.7M |
| Net cash provided by operating activities | $39.0M | $22.7M |
| Purchase of available-for-sale investment securities | -$223.0M | -$6.7M |
| Proceeds from sales of available-for-sale investment securities | $274.7M | $0 |
| Proceeds from paydowns/maturities of available-for-sale investment securities | $36.3M | $31.0M |
| Net increase in loans | -$284.7M | -$128.4M |
| Proceeds from surrendered bank-owned life insurance policies | $0 | $21.5M |
| Purchase of premises and equipment | -$93.0K | -$47.0K |
| Proceeds from sale of premises and equipment | $0 | $36.0K |
| Net cash used in investing activities | -$196.7M | -$82.7M |
| Net increase in deposits | $294.7M | $237.0M |
| Restricted stock issued, net | -$1.5M | -$713.0K |
| Proceeds from the issuance of common stock upon initial public offering, net of offering costs | $61.3M | $0 |
| Net proceeds / (repayment) from overnight borrowings | -$55.0M | -$21.0M |
| Net proceeds / (repayment) from Federal Reserve Bank borrowings | $0 | -$224.0M |
| Net proceeds / (repayment) from Federal Home Loan Bank borrowings | -$70.0M | $70.0M |
| Net cash provided by financing activities | $229.5M | $61.3M |
| Net change in cash and cash equivalents | $71.9M | $1.3M |
| Interest expense | $59.4M | $75.3M |
| Income taxes, net of refunds | $4.4M | $7.5M |
| Recording of right-of-use assets in exchange for lease liabilities | $439.0K | $0 |
| Change in unrealized (gains) / losses on available-for-sale securities, net of tax | -$51.1M | $2.5M |
No quarter-by-quarter statement was filed.
Corporate structure
Avidbank Holdings, Inc. sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Avidbank Holdings, Inc.
- Fourthstone LLC Filed SCHEDULE 13G/A on Avidbank Holdings, Inc., latest Aug 14, 2026 (2 filings since Feb 14, 2024)
- BlackRock Filed SCHEDULE 13G on Avidbank Holdings, Inc., latest Jul 27, 2026
- BANC FUNDS CO LLC Filed SCHEDULE 13G/A on Avidbank Holdings, Inc., latest Feb 13, 2026 (4 filings since Feb 8, 2022)
- AllianceBernstein Filed SCHEDULE 13G on Avidbank Holdings, Inc., latest Nov 14, 2025
- ENDEAVOUR CAPITAL ADVISORS INC Filed SCHEDULE 13G on Avidbank Holdings, Inc., latest Nov 12, 2025
- Patriot Financial Partners IV, L.P. Filed SCHEDULE 13D on Avidbank Holdings, Inc., latest Aug 12, 2025
- Avidbank Holdings, Inc. San Jose, California, United States
- Avidbank Subsidiary · San Jose, California, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Avidbank Holdings, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $8.0M5 Dec 31, 2025 | $8.0M5 Dec 31, 2024 | 0% |
| Accumulated depreciation | $6.4M5 Dec 31, 2025 | $5.6M5 Dec 31, 2024 | +14.3% |
| Property and equipment, net | $1.5M5 Dec 31, 2025 | $2.3M5 Dec 31, 2024 | −34.5% |
| Operating-lease assets (leased space) | $5.6M5 Dec 31, 2025 | $6.9M5 Dec 31, 2024 | −19.1% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $154.6M5 Dec 31, 2025 | $82.7M5 Dec 31, 2024 | +86.9% |
| Loans, net of allowance | $2.1B5 Dec 31, 2025 | $1.8B5 Dec 31, 2024 | +15.2% |
| Deposits held (banks) | $2.2B5 Dec 31, 2025 | $1.9B5 Dec 31, 2024 | +15.6% |
Properties, in its own words
Our corporate headquarters is located at 1732 North First Street, in San Jose, California, 95112. The premises consist of approximately 28,404 square feet on the sixth floor of the office building. In addition to our corporate headquarters, which includes our main branch, we lease offices for our loan productions offices in Redwood City, California and San Francisco, California. At the end of September, 2021, we closed our Palo Alto branch office and have subleased this space. The lease on our corporate headquarters expires in 2027 and has one five-year renewal option. Our Redwood City loan production office lease expires in 2030 and our San Francisco loan production office lease expires in 2030. We believe that these facilities and additional or alternative space available to us are adequate to meet our needs for the foreseeable future.
Item 2 of the 10-K filed Mar 18, 2026.4
Leadership
Who has led Avidbank Holdings, Inc., and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
- Chief executive officerMark Daniel Mordell Aug 7, 2025 to now8
- PresidentJonathan Michael Dale Aug 5, 2026 to now9
- Chief financial officerPatrick Timothy Oakes Aug 7, 2025 to now10
- Chief operating officerGina N. Thoma Aug 7, 2025 to now11
Board members and other officers (15)
- EVP, Chief Credit OfficerElisabeth Foussianes Jan 21, 2026 to now12
- EVP, Treasury ManagementArthur Wasson Aug 7, 2025 to now13
- EVP, Chief Credit OfficerGeoffrey Evan Butner Aug 7, 2025 to now14
- Mgng Dir. Strat. RelationshipsRobert H. Scott Aug 7, 2025 to now15
- EVP, Chief of StaffTami Laura Benedict Aug 7, 2025 to now16
- Board memberJames F. Deutsch May 21, 2026 to now17
- Board memberBryan C. Polster Aug 7, 2025 to now18
- Board memberDiane J. Flynn Aug 7, 2025 to now19
- Board memberKristofer W. Biorn Aug 7, 2025 to now20
- Board memberLinda Rae Morris Aug 7, 2025 to now21
- Board memberMarc J. Verissimo Aug 7, 2025 to now22
- Board memberMark Daniel Mordell Aug 7, 2025 to now8
- Board memberMike Rosinus Aug 7, 2025 to now23
- Board memberRobert H. Scott Aug 7, 2025 to now15
- General counselVictor Francesco E. Demarco Aug 7, 2025 to now24
Named in SEC Form D filings
People the company listed in its private-offering notices.
- EVP and COOGina D. Thoma-Peterson named Aug 31, 202625
- EVP & Chief Banking OfficerDori D. Hamilton named May 12, 202226
- EVP, Construction LendingFergal J. O'Boyle named May 12, 202226
- EVP & Chief Operating OfficerGina T. Peterson named May 12, 202226
- EVP, Commercial Real Estate LendingJoe J. Maleti named May 12, 202226
- EVP, Structured FinanceMark J. Cameron named May 12, 202226
- EVP, Venture LendingSam J. Bhaumik named May 12, 202226
- DirectorKeith F. Jensen named Aug 31, 202625
- DirectorLisa B. Hendrickson named May 12, 202226
- DirectorRoxy H. Rapp named May 12, 202226
Former names
- PENINSULA BANK HOLDING COAug 15, 2008 to Aug 15, 20083
Timeline
- Aug 27, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure27
- Aug 11, 20268-K Regulation FD disclosure28
- Aug 3, 20268-K Executive or director change; Other events29
- Jul 23, 20268-K Results of operations; Regulation FD disclosure30
- May 21, 20268-K Shareholder vote31
- Apr 27, 20268-K Results of operations; Regulation FD disclosure32
- Mar 13, 20268-K Executive or director change; Regulation FD disclosure33
- Jan 29, 20268-K Results of operations; Regulation FD disclosure34
- Nov 18, 20258-K Executive or director change35
- Oct 23, 20258-K Results of operations; Regulation FD disclosure36
- Aug 25, 20258-K Results of operations37
- Aug 13, 20258-K Other events38
- Aug 7, 2025New chief executive Mark Daniel Mordell becomes CEO8
- Dec 17, 2007Founded Avidbank Holdings, Inc. is founded2
Calendar
Coming up
- Oct 26, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.72 a share, on Oct 23, 2025.39
When it reported results
- Jul 23, 2026Reported quarterly or annual results30
- Apr 27, 2026Reported quarterly or annual results32
- Jan 29, 2026Reported quarterly or annual results34
- Oct 23, 2025Reported quarterly or annual results36
- Aug 25, 2025Reported quarterly or annual results37
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
175 filings to the SEC since October 2021: 1 annual reports, 4 quarterly reports, 12 major events, 120 insider forms, 10 large holders, 2 private raises, 26 other. The latest 20:
- Oct 6, 20264 EDGAR
- Oct 6, 20264 EDGAR
- Oct 6, 20264 EDGAR
- Oct 6, 20264 EDGAR
- Oct 6, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 9, 20264 EDGAR
- Sep 4, 2026144 EDGAR
- Aug 31, 2026D EDGAR
- Aug 27, 20268-K EDGAR
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 14, 20264 EDGAR
- Aug 12, 202610-Q EDGAR
- Aug 11, 20268-K/A EDGAR
- Aug 5, 20263 EDGAR
- Aug 4, 20264 EDGAR
- Aug 3, 20268-K EDGAR
- Jul 27, 2026SCHEDULE 13G EDGAR
- Jul 23, 20268-K EDGAR
- May 21, 20264 PRIMARY DOCUMENT EDGAR
The 175 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
38 open-market trades by officers, directors and large owners since October 2021: 16 buys and 22 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 9, 2026 | ROSINUS MIKEDirector | Sale | 1,500 | $31.45 | $47.2K | Form 4 |
| Aug 14, 2026 | WASSON ARTHUREVP, Chief Revenue Officer | Sale | 10,000 | $33.14 | $331.4K | Form 4 |
| Mar 16, 2026 | ROSINUS MIKEDirector | Sale | 56,882 | $27.41 | $1.6M | Form 4 |
| Mar 13, 2026 | ROSINUS MIKEDirector | Sale | 7,953 | $27.49 | $218.6K | Form 4 |
| Mar 10, 2026 | ROSINUS MIKEDirector | Sale | 19,318 | $28.28 | $546.3K | Form 4 |
| Mar 9, 2026 | ROSINUS MIKEDirector | Sale | 15,847 | $28.09 | $445.1K | Form 4 |
| Mar 6, 2026 | ROSINUS MIKEDirector | Sale | 9,659 | $28.10 | $271.4K | Form 4 |
| Mar 4, 2026 | ROSINUS MIKEDirector | Sale | 16,175 | $29.05 | $469.9K | Form 4 |
| Mar 2, 2026 | ROSINUS MIKEDirector | Sale | 2,499 | $29.01 | $72.5K | Form 4 |
| Feb 27, 2026 | ROSINUS MIKEDirector | Sale | 1,000 | $29.55 | $29.6K | Form 4 |
| Feb 26, 2026 | ROSINUS MIKEDirector | Sale | 3,434 | $30.00 | $103.0K | Form 4 |
| Feb 25, 2026 | ROSINUS MIKEDirector | Sale | 19,411 | $29.90 | $580.4K | Form 4 |
| Feb 23, 2026 | ROSINUS MIKEDirector | Sale | 5,000 | $30.16 | $150.8K | Form 4 |
| Feb 20, 2026 | ROSINUS MIKEDirector | Sale | 10,000 | $29.89 | $298.9K | Form 4 |
| Feb 20, 2026 | ROSINUS MIKEDirector | Sale | 5,000 | $30.16 | $150.8K | Form 4 |
| Feb 19, 2026 | ROSINUS MIKEDirector | Sale | 4,262 | $29.57 | $126.0K | Form 4 |
| Feb 18, 2026 | ROSINUS MIKEDirector | Sale | 11,602 | $30.22 | $350.6K | Form 4 |
| Feb 17, 2026 | ROSINUS MIKEDirector | Sale | 5,076 | $30.17 | $153.1K | Form 4 |
| Feb 13, 2026 | ROSINUS MIKEDirector | Sale | 4,051 | $30.07 | $121.8K | Form 4 |
| Feb 11, 2026 | ROSINUS MIKEDirector | Sale | 1,143 | $30.45 | $34.8K | Form 4 |
All 38 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Fourthstone LLCSCHEDULE 13G/A, 2 filings Feb 14, 2024 to Aug 14, 202640
- BlackRockSCHEDULE 13G, 1 filing Jul 27, 202641
- BANC FUNDS CO LLCSCHEDULE 13G/A, 4 filings Feb 8, 2022 to Feb 13, 202642
- AllianceBernsteinSCHEDULE 13G, 1 filing Nov 14, 202543
- ENDEAVOUR CAPITAL ADVISORS INCSCHEDULE 13G, 1 filing Nov 12, 202544
- Patriot Financial Partners IV, L.P.SCHEDULE 13D, 1 filing Aug 12, 202545
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Mark D. Mordell | 66 | $525.0K | $1.4M46 |
| 2025 | Patrick T. Oakes | 57 | $365.2K | $863.1K46 |
| 2025 | Gina Thoma-Peterson | 62 | $335.1K | $784.3K46 |
| 2024 | Chairman and Chief Executive Officer | $525.0K | $2.2M46 | |
| 2024 | Executive VicePresident and Chief Financial Officer | $357.0K | $667.5K46 |
Funding
Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.
- Private raises (Form D) $58.6M
Figures by year
| Year | Private raises (Form D) | Total |
|---|---|---|
| 2026 | $30.0M | $30.0M |
| 2022 | $28.6M | $28.6M |
Private raises
Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 92. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| Patriot Financial Partners GP II, L.P. | 1,050,918 | $34.7M | 8.9% | No change |
| Alliancebernstein L.P. | 883,421 | $25.2M | 0.0% | −4,860 |
| Fourthstone LLC | 700,818 | $23.1M | 16.5% | −345,764 |
| Banc Funds Co LLC | 668,100 | $22.1M | 3.6% | +3,000 |
| Endeavour Capital Advisors Inc | 658,705 | $21.8M | 4.5% | −49,786 |
| BlackRock, Inc. | 591,284 | $19.5M | 0.0% | +368,688 |
| First Eagle Investment Management, LLC | 568,080 | $18.8M | 0.0% | +370,740 |
| Adage Capital Partners Gp, L.l.c. | 493,139 | $16.3M | 0.0% | +41,104 |
| Manufacturers Life Insurance Company, The | 372,756 | $12.3M | 0.0% | −48,828 |
| Vanguard Capital Management LLC | 362,951 | $12.0M | 0.0% | +23,634 |
| Wellington Management Group Llp | 308,439 | $10.2M | 0.0% | −18,278 |
| Two Sigma Investments, LP | 262,300 | $8.7M | 0.0% | +210,254 |
| Geode Capital Management, LLC | 214,083 | $7.1M | 0.0% | +92,435 |
| Mendon Capital Advisors Corp | 190,858 | $6.3M | 2.2% | −28,820 |
| Curi Capital, LLC | 181,347 | $6.0M | 0.1% | −18,654 |
| State Street Corp | 137,422 | $4.5M | 0.0% | +67,918 |
| Morgan Stanley | 127,191 | $4.2M | 0.0% | +49,680 |
| EJF Capital LP | 109,350 | $3.6M | 2.4% | −4,179 |
| Franklin Resources Inc | 108,439 | $3.6M | 0.0% | −10,803 |
| Citadel Advisors LLC | 84,833 | $2.8M | 0.0% | +48,207 |
| UBS Group AG | 80,778 | $2.7M | 0.0% | +67,432 |
| Maltese Capital Management LLC | 80,000 | $2.6M | 0.5% | −96,200 |
| Jacobs Asset Management, LLC | 71,915 | $2.4M | 1.8% | −16,970 |
| Northern Trust Corp | 67,599 | $2.2M | 0.0% | +37,960 |
| Vanguard Portfolio Management LLC | 62,267 | $2.1M | 0.0% | +45,256 |
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How Avidbank Holdings, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARAvidbank Holdings, Inc.1
- CIK0001443575
- Employer ID (EIN)26-17310094
- Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company4
- Incorporated inCalifornia4
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address1732 N. 1St Street, 6Th Floor, San Jose, CA 951121
- Phone408-200-73901
- Shares outstanding10,983,480 as of Jul 31, 20267
- Public float$57.0M as of Jun 30, 20254
- AuditorCrowe LLP, Sacramento, California PCAOB ID 173; no auditor attestation of internal control over financial reporting4
- On EDGAR sinceAug 15, 20081
- Filings182 in all: 4 (93), 3 (19), 8-K (11), 4/A (8), D (6), 10-Q (4), CORRESP (4), SC 13G/A (4)1
All 31 form types
DRSLTR (3), SCHEDULE 13G (3), UPLOAD (3), 144 (2), DRS/A (2), SC 13G (2), SCHEDULE 13G/A (2), 10-K (1), 144/A (1), 424B4 (1), 8-A12B (1), 8-K/A (1), CERT (1), DEF 14A (1), DEFA14A (1), DRS (1), EFFECT (1), FWP (1), REGDEX (1), S-1 (1), S-1/A (1), S-8 (1), SCHEDULE 13D (1)
- Latest filingsAnnual report (10-K) Mar 18, 2026
Quarterly report (10-Q) Aug 12, 2026
Proxy statement (DEF 14A) Apr 7, 2026
Latest 8-K (8-K) Aug 27, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, No Par Value | AVBH | NASDAQ |
From the cover page of the 10-K filed Mar 18, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks Avidbank Holdings, Inc. names in Item 1A of its 10-K filed Mar 18, 2026: 70 risks under these headings, as written.4
- Risks Related to Our Business
- Our business and operations are concentrated in California generally, and the Bay Area in particular, and we are more sensitive than our more geographically diversified competitors to adverse changes in the local economy.
- Our commercial real estate loan portfolio could be impacted by a decline in the Bay Area commercial real estate market.
- The small to medium-sized businesses to which we lend may have fewer resources to weather adverse business developments, which may impair a borrower’s ability to repay a loan.
- Our business is significantly dependent on the real estate markets in which we operate, as a significant percentage of our loan portfolio is secured by real estate.
- Because of the credit profile of a portion of our loan portfolio, our levels of nonperforming assets and charge-offs can be volatile. If we need to make material provisions for credit losses in any period, it could reduce net income and/or increase net losses in that period.
- Changes in the market for public equity offerings, M&A or a slowdown in private equity or venture capital investment levels have affected and may continue to affect the needs of our borrowers for our lending products.
- The borrowing needs of our clients may be unpredictable, especially during a challenging economic environment. We may not be able to meet our unfunded credit commitments or adequately reserve for losses associated with our unfunded credit commitments, which could have an adverse effect on our business, financial condition, results of operations and reputation.
- Our business and operations could be negatively affected by a transition to a new Chief Executive Officer.
- We are subject to interest rate risk, which could adversely affect our profitability.
- Increases in interest rates have in the past resulted in, and could in the future result in, unrealized losses on our investment securities portfolio.
- We participate in reciprocal deposit networks to provide additional FDIC deposit insurance coverage to support our clients and to efficiently manage our balance sheet and liquidity position, which exposes us to risks that may adversely affect our liquidity, business, financial condition or results of operations.
The other 59 risks
- The financial services industry and broader economy may be subject to new or changing government policy, legislation and regulation.
- If the Bank is not “well capitalized” for regulatory purposes, our ability to participate in reciprocal deposit networks could be limited.
- We operate in a highly competitive market and face increasing competition from a variety of traditional and new financial services providers.
- The deposit concentration in our Venture Lending Division may expose us to heightened liquidity risk.
- Failure to keep up with the rapid technological changes in the financial services industry could have an adverse effect on our competitive position and profitability.
- We are dependent on the use of data and modeling in both our management’s decision-making generally and in meeting regulatory expectations in particular.
- Our allowance for credit losses may be inadequate to absorb losses inherent in the loan portfolio.
- We are exposed to higher credit risk by our commercial real estate loans.
- Our commercial and industrial loans are often dependent on the cash flows of the borrower, which may be unpredictable, and the collateral securing these loans may fluctuate in value.
- A portion of our loan portfolio consists of construction loans, which may expose us to increased credit risk.
- We may not be able to maintain a strong core deposit base or other low-cost funding sources.
- Liquidity risk could impair our ability to fund operations and meet our obligations as they become due.
- We may be adversely affected by changes in the actual or perceived soundness or condition of other financial institutions.
- Our risk management framework may not be effective in mitigating risks and/or losses to us.
- We engage in lending secured by real estate and may be forced to foreclose on the collateral and own the underlying real estate, subjecting us to the costs and potential risks associated with the ownership of real property, or consumer protection initiatives or changes in state or federal law may substantially raise the cost of foreclosure or prevent us from foreclosing at all.
- Regulatory requirements affecting our loans secured by commercial real estate could limit our ability to leverage our capital and adversely affect our growth and profitability.
- We could be subject to environmental risks and associated costs on our foreclosed real estate assets.
- Our recovery on commercial real estate loans could be further reduced by a lack of a liquid secondary market for such mortgage loans and mortgage-backed securities.
- The appraisals and other valuation techniques we use in evaluating and monitoring loans secured by real property and other real estate owned may not accurately reflect the net value of the asset.
- Federal, state and local consumer lending laws may restrict our ability to originate certain loans or increase our risk of liability with respect to such loans.
- Our largest loan relationships make up a material percentage of our total loan portfolio and credit risks relating to these would have a disproportionate impact.
- Our largest deposit relationships currently make up a material percentage of our deposits and the withdrawal of deposits by our largest depositors could force us to fund our business through more expensive and less stable sources.
- We utilize excess deposits from our Venture Lending division to fund loan growth in other divisions.
- Warrant income or success fee income, if any, cannot be predicted.
- We depend on the accuracy and completeness of information provided by clients and counterparties.
- Risks Related to Our Industry and Regulation
- Our industry is highly regulated, and the regulatory framework, together with any future legislative or regulatory changes, may have a materially adverse effect on our operations.
- Monetary policies and regulations of the Federal Reserve could have an adverse effect on our business, financial condition and results of operations.
- Federal and state regulators periodically examine our business and may require us to remediate adverse examination findings or may take enforcement action against us.
- We are subject to stringent capital requirements, which could have an adverse effect on our operations.
- We may need to raise additional capital, but additional capital may not be available.
- We are subject to numerous banking laws and other laws and regulations designed to protect consumers, and failure to comply with these laws could lead to a wide variety of sanctions.
- We are subject to laws regarding the privacy, information security and protection of personal information and any violation of these laws or another incident involving personal, confidential, or proprietary information of individuals could damage our reputation and otherwise adversely affect our business.
- We are a bank holding company and are dependent upon the Bank for cash flow, and the Bank’s ability to make cash distributions is restricted.
- The Federal Reserve may require us to commit capital resources to support the Bank.
- We face a risk of noncompliance with the Bank Secrecy Act and its implementing regulations and other laws and regulations that impose anti-money laundering requirements, which could lead to civil and criminal enforcement actions.
- Our Bank’s FDIC deposit insurance premiums and assessments may increase.
- Risks Related to Ownership of Our Common Stock
- As a result of a balance sheet repositioning, our ability to use net operating loss carry-forwards to reduce future tax payments may be limited or restricted.
- Our stock price may be volatile, and you could lose part or all of your investment as a result.
- We are an “emerging growth company,” as defined in the JOBS Act, and a “smaller reporting company,” as defined in Rule 12b-2 in the Exchange Act, and will be able to avail ourselves of reduced disclosure requirements applicable to emerging growth companies and smaller reporting companies, which could make our common stock less attractive to investors and adversely affect the market price of our common stock.
- Our directors, executive officers and greater than 10% shareholders have the ability to influence significant corporate activities and their interests may not coincide with yours.
- Our management has broad discretion in allocating the net proceeds of our IPO. Our failure to effectively utilize such net proceeds may have an adverse effect on our financial performance and the value of our common stock.
- If securities or industry analysts do not publish research or publish inaccurate or unfavorable research about our business, our stock price and trading volume could decline.
- We may not pay dividends on our common stock in the future, and our ability to pay dividends is subject to certain restrictions.
- The holders of our debt obligations and preferred stock will have priority over our common stock with respect to payment in the event of liquidation, dissolution or winding up and with respect to the payment of interest and dividends, and our common stock is effectively subordinated to all the indebtedness and other non-common equity claims against our subsidiaries.
- California law and the provisions of our articles of incorporation and amended and restated bylaws may have an anti-takeover effect, and there are substantial regulatory limitations on changes of control of bank holding companies.
- The requirements of being a public company may strain our resources and divert management’s attention.
- If we fail to design, implement and maintain effective internal control over financial reporting or remediate any future material weakness in our internal control over financial reporting, we may be unable to accurately report our financial results or prevent fraud.
- General Risk Factors
- We are dependent on our management team and key employees.
- Our success is largely dependent upon our ability to successfully execute our business strategy.
- We may pursue strategic acquisitions in the future, and we may not be able to overcome risks associated with such transactions.
- New lines of business, products, product enhancements or services may subject us to additional risk.
- Our reputation is critical to our business, and damage to it could have an adverse effect on us.
- Our operations could be interrupted if our third-party service providers experience difficulty, terminate their services or fail to comply with banking regulations.
- System failure or cybersecurity breaches of our network security could subject us to increased operating costs as well as litigation, damage to our reputation and other potential losses.
- The development and use of artificial intelligence present risks and challenges that may adversely impact our business.
- Our ability to conduct our business could be disrupted by natural or man-made disasters, including pandemic viruses.
- Litigation and regulatory actions, including possible enforcement actions, and other legal claims and liabilities, could subject us to significant fines, penalties, judgments or other requirements resulting in increased expenses or restrictions on our business activities.
- We are subject to an extensive body of accounting rules. Periodic changes to such rules may change the treatment and recognition of critical financial line items.
- The accuracy of our consolidated financial statements and related disclosures could be affected if the judgments, assumptions or estimates used in our critical accounting policies are inaccurate.
Legal proceedings
Information required by this item is set forth in Note 12 – Commitments and Contingencies – Contingencies in the Notes to the Consolidated Financial Statements in Part II. Item 8. of this annual report, which is incorporated by reference.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 9SEC EDGARJonathan Michael Dale, President
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- 17SEC EDGARJames F. Deutsch, Board member
- 18SEC EDGARBryan C. Polster, Board member
- 19SEC EDGARDiane J. Flynn, Board member
- 20SEC EDGARKristofer W. Biorn, Board member
- 21SEC EDGARLinda Rae Morris, Board member
- 22SEC EDGARMarc J. Verissimo, Board member
- 23SEC EDGARMike Rosinus, Board member
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- 28SEC EDGARRegulation FD disclosure
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- 31SEC EDGARShareholder vote
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- 35SEC EDGARExecutive or director change
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- 37SEC EDGARResults of operations
- 38SEC EDGAROther events
- 39NasdaqNasdaq calendar
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