Avidbank Holdings Inc 2026年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OF 15(d) OR THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedJune 30, 2026OR TRANSITION REPORT PURSUANT TO SECTION 13 OF 15(d) OR THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______________ to ______________. Commission File No.001-42792 AVIDBANK HOLDINGS, INC. (Exact Name of Registrant as Specified in its Charter) California 26-1731009 (I.R.S. Employer Identification No.) (Primary Standard Industrial ClassificationCode Number) 1732 North First Street6th FloorSan Jose, California 95112(408) 200-7390(Address, including zip code and telephone number, including area code, of registrant’s principal executive offices) Securities registered pursuant to Section12(b) of the Act: TheNasdaqStock Market LLC AVBH Common Stock, No Par Value perShare(Title of class) (Trading Symbol) (Name of exchange on which registered) Indicate by check mark whether the registrant: (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file suchreports), and (2)has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of RegulationS-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period thatthe registrant was required to submit and post such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, anon-acceleratedfiler, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and “emerging growth company” in Rule12b-2of the Exchange Act. ☐Acceleratedfiler☒SmallerreportingcompanyEmerginggrowthcompany LargeacceleratedfilerNon-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2of the Act).Yes☐No☒ As ofJuly 31, 2026, the registrant had 10,983,480 shares of common stock, no par value per share (the “Common Stock”),outstanding. AVIDBANK HOLDINGS, INC.FORM 10-QTABLE OF CONTENTS Part I. Financial Information Item 1.Financial Statements (Unaudited) Consolidated Statements of Financial Condition (unaudited) as ofJune30, 2026and December 31, 2025Consolidated Statements of Operations (unaudited) for the three and six months ended June30, 2026and 2025Consolidated Statements of Comprehensive Income (unaudited) for the three and six months ended June30,2026and 2025Consolidated Statements of Changes in Shareholders' Equity (unaudited) for the three and six months endedJune30, 2026and 2025Consolidated Statements of Cash Flows (unaudited) for the sixmonths ended June30, 2026and 2025Notes to Consolidated Financial Statements (unaudited) Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations30Item 3.Quantitative and Qualitative Disclosures about Market Risk61Item 4.Controls and Procedures61 Part II. Other Information Item 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.Exhibits Signatures65 AVIDBANK HOLDINGS, INC.CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) June 30, 2026December 31,2025 (In thousands, except per share data) ASSETS LIABILITIES AND SHAREHOLDERS' EQUITYDeposits: AVIDBANK HOLDINGS, INC.CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) The accompanying notes are an integral part of these consolidated financial statements (unaudited). AVIDBANK HOLDINGS, INC.CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) AVIDBANK HOLDINGS, INC.CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) AVIDBANK HOLDINGS, INC.NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) NOTE 1–BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of Avidbank Holdings, Inc. (the “Company”) have been preparedin accordance with U.S. GAAP for interim financial information and with the instructions to Form 10-Q and Rule 10-01 ofRegulation S-X. In the opinion of management, all normal recurring adjustments considered necessary for a fair presentation havebeen included. All material intercompany balances and transactions have been eliminated. In the Statement of Cash Flows theCompany has elected to present proceeds and redemptions from borrowings from the Federal Home Loan Bank and the FederalReserve Bank on a net basis. Operat