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Avidbank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved strong organic growth with a 16% CAGR in total assets, loans, and deposits from 2017 to 2025, reaching $2.57B in assets and $2.19B in deposits at year-end 2025.
Q4 2025 net income was $6.9M ($0.65 per diluted share), rebounding from a Q3 net loss of $37.7M and up from $6.5M in Q4 2024.
Completed IPO in August 2025, raising $61.3M in net proceeds and improving profitability and capital position.
Growth was broad-based across business lines, with sponsor finance, corporate banking, and venture lending leading loan and deposit growth.
Management remains optimistic for 2026, targeting continued double-digit growth in loans and deposits.
Financial highlights
Q4 2025 net income was $6.9M ($0.65 per diluted share); full-year adjusted net income was $24.9M, up 18% year-over-year.
Net interest margin expanded to 4.13% in Q4, up from 3.90% in Q3 and 3.49% in Q4 2024; would have been ~4.25% excluding a $726K interest reversal.
Loans increased $190M (38% annualized) from Q3 and $284M (15%) year-over-year; deposits grew $137M (27% annualized) from Q3.
Book value per share rose to $25.66 at year-end 2025.
Pre-provision net revenue for Q4 was $12.9M, up from $10.7M in Q3.
Outlook and guidance
Management targets 10–15% loan and deposit growth for 2026, supported by strong pipelines across divisions.
NIM expected to remain around 4.25%, with some headwinds from deposit repricing and loan floors maturing.
Non-interest expense run rate expected to be above $14M per quarter in 2026.
Tax rate projected to normalize to ~28.5% in 2026.
Positioned for continued growth through disciplined underwriting, diversified lending, and national expansion.
NPL increase impact on future credit provisions?
Securities repositioning's NIM contribution
NIM expansion despite lower loan yields?
Timeline for resolving $16M construction NPA?
NIM outlook considering floating floors and new deposits?
How does portfolio churn affect 2026 loan growth?
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Next Avidbank earnings date
Q1 202617 Apr, 2026
Avidbank
Next Avidbank earnings date
Q1 202617 Apr, 2026
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