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Avidbank
San Jose, CA · FDIC Certificate #57510 · Chartered 10/0
Total assets
$2.65B
Total deposits
$2.32B
Total equity
$307.84M
Net loans
$2.20B
Branches (offices)
1
Net income (YTD)
$17.54M
Rank: #480 of 4,213 U.S. banks by assets · #37 of 115 in California. Assets changed 11.2% and deposits 16.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 11.72% |
| Net interest margin (YTD) | 4.28% |
| Equity to assets | 11.60% |
| Tier 1 leverage ratio | 11.99% |
| Uninsured deposits (share of deposits) | 39.5% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.43% |
| Loans to deposits | 94.7% |
| Real estate loans (share of loans) | 50.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.11B | 50.5% | |
| Commercial & industrial | $1.05B | 47.8% | |
| Consumer / individual | $370.00K | 0.0% | |
| Construction & development | $164.20M | 7.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.01B | $1.83B | $9.86M | $152.75M |
| Jun 2023 | $2.20B | $1.75B | $11.62M | $166.16M |
| Jun 2024 | $2.28B | $1.74B | $9.21M | $186.58M |
| Jun 2025 | $2.39B | $2.00B | $12.14M | $219.04M |
| Jun 2026 | $2.65B | $2.32B | $17.54M | $307.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $2.32B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.32B.
Similar-sized banks
Machias Savings Bank ($2.67B) · Fcb Banks ($2.64B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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