Short answer
Avidbank Holdings, Inc. (AVBH) filed its Q2 2026 10-Q quarterly report on Aug 12, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $40M (down 43.1% year over year) with net income of $8M.
Q2 2026 key financials · XBRL
- Revenue
- $40M
- −43.1% YoY · +2.3% QoQ
- Net income
- $8M
- −31.9% YoY · −15.2% QoQ
- EPS (diluted)
- $0.71
- −51.4% YoY · −15.5% QoQ
Source: XBRL data from the Avidbank Holdings, Inc. (AVBH) Q2 2026 10-Q on SEC EDGAR. USD.
Avidbank Holdings, Inc. Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $7.6M vs $5.8M YoY; net interest income $26.7M vs $20.3M, up 31%
- Net interest margin 4.26% vs 3.60% YoY; efficiency ratio 55.41% vs 57.77%
- Loans $2.224B vs $1.912B; deposits $2.322B vs $2.003B period-end
- Nonperforming loans 0.65% vs 0.07% YoY; net charge-offs 0.35% vs 0%
- Securities repositioning supported earnings; competition expected to pressure net interest margins
Risk Factors
- New AI-disruption risk triggered by rapid advances in artificial intelligence affecting SaaS borrowers
- SaaS borrower concentration: approximately 9% of total loan portfolio exposed to technology-driven credit deterioration
- Credit risk from borrower disruption potentially increasing nonperforming loans, charge-offs, and provisions for credit losses
- Near-term market risk from AI-driven commoditization, pricing compression, and customer churn among SaaS borrowers
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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