Avidbank Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	143.43	132.83	130.88	112.49	71.81	50.82
Interest Income on Investments	17.43	12.93	11.56	12.49	11.22	4.06
Total Interest Income	160.86	145.75	142.44	124.98	83.03	54.89
Interest Paid on Deposits	51.84	53.16	54.15	36.41	7.51	2.62
Interest Paid on Borrowings	2.16	5.29	13.07	15.01	1.44	1.24
Total Interest Expense	54	58.45	67.22	51.42	8.95	3.86
Net Interest Income	106.87	87.31	75.22	73.56	74.08	51.03
Net Interest Income Growth	31.14%	16.06%	2.26%	-0.70%	45.17%	13.54%
Gain (Loss) on Sale of Investments	-	-62.39	-	-6.21	-0.4	0.74
Other Non-Interest Income	7.98	6.02	6.01	3.56	5.07	4.58
Total Non-Interest Income	7.98	-56.38	6.01	-2.65	4.67	5.31
Non-Interest Income Growth	-	-	-	-	-12.10%	101.94%
Revenues Before Loan Losses	114.85	30.93	81.23	70.91	78.75	56.34
Provision for Loan Losses	8.22	5.12	4.1	3.04	3.51	3.57
Revenue	106.62	25.81	77.14	67.87	75.24	52.77
Revenue Growth	381.83%	-66.54%	13.66%	-9.80%	42.58%	15.03%
Salaries and Employee Benefits	35.48	34.02	29.29	27.81	26.67	22.98
Occupancy Expenses	2.67	2.59	3.02	2.62	0.85	1.28
Selling, General & Administrative	13.7	11.79	11.25	10	5.61	5.4
Other Non-Interest Expense	7.47	4.15	3.77	3.48	7.66	5.96
Total Non-Interest Expense	59.31	52.56	47.33	43.89	40.79	35.62
EBT Excluding Unusual Items	47.32	-26.75	29.8	23.97	34.45	17.15
Other Unusual Items	-0.22	-0.22	-	-	-	-
Pretax Income	47.09	-26.97	29.8	23.97	34.45	17.15
Income Tax Expense	13.29	-7.42	8.79	7.17	9.43	4.89
Net Income	33.8	-19.55	21.02	16.8	25.02	12.26
Net Income to Common	33.8	-19.55	21.02	16.8	25.02	12.26
Net Income Growth	-	-	25.08%	-32.86%	104.04%	27.39%
Basic Shares Outstanding	11	9	7	7	7	6
Diluted Shares Outstanding	11	9	8	7	7	6
Shares Change	35.73%	14.44%	1.52%	7.74%	14.69%	1.59%
EPS (Basic)	3.19	-2.25	2.83	2.29	3.68	2.08
EPS (Diluted)	3.14	-2.25	2.76	2.24	3.60	2.02
EPS Growth	-	-	23.21%	-37.78%	78.22%	25.47%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	28.23%	-	29.49%	29.91%	27.36%	28.51%