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Investor Relations14 Oct 2025
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Avidbank (AVBH) investor relations material
Avidbank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Aug, 2025
Executive summary
Net income for Q2 2025 was $5.8 million ($0.75 per diluted share), up 67% year-over-year and from $5.4 million in Q1 2025; six-month net income was $11.2 million ($1.46 per diluted share), up 29% year-over-year.
Book value per share rose to $25.80, a 9% increase since December 2024 and a 19% year-over-year rise.
Completed IPO in August 2025, raising $62 million in net proceeds.
Financial highlights
Net interest income for Q2 2025 was $20.3 million, up 10% year-over-year and 19% annualized from Q1 2025; for six months, $39.6 million, up 6%.
Net interest margin expanded to 3.60% in Q2 2025 from 3.39% in Q2 2024 and 3.52% in Q1 2025.
Return on average assets improved to 1.00% in Q2 2025 from 0.62% in Q2 2024 and 0.96% in Q1 2025.
Noninterest income rose 40% in Q2 and 14% for the first half, with $1.5 million in Q2 2025 including $273,000 from warrant and success fee income.
Efficiency ratio improved to 57.77% in Q2 2025 from 59.92% in Q2 2024 and 62.57% in Q1 2025.
Outlook and guidance
Proceeds from the August 2025 IPO and securities portfolio repositioning are expected to support organic growth, regulatory capital, and balance sheet optimization.
A pre-tax loss of approximately $62 million is anticipated in Q3 2025 due to the sale of securities as part of the repositioning.
The company plans to reinvest proceeds from securities sales into additional available-for-sale securities in the second half of 2025.
Focus remains on disciplined growth, investing in client relationships, and innovative solutions.
What is the expected impact of AFS repositioning?
Analyze Q2 loan portfolio shifts and drivers.
Explain Q2 NIM expansion drivers and their trends.
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Q3 202524 Oct, 2025
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