| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net (loss) / income | -26,502 | 11,233 |
| Provision for credit losses | 2,280 | 925 |
| Depreciation, amortization and accretion | 1,053 | 760 |
| Net loss / (gain) on sale of securities | -62,391 | - |
| (increase) / decrease in deferred loan origination fees, net | 318 | 245 |
| Earnings on bank-owned life insurance policies | 279 | 183 |
| Repayment of operating lease liabilities | 1,726 | 1,175 |
| Stock-based compensation expense | 2,402 | 1,591 |
| Net (increase) / decrease in accrued interest receivable and other assets | 18,059 | 2,710 |
| Net increase / (decrease) in accrued interest payable and other liabilities | -1,613 | -1,876 |
| Net cash provided by operating activities | 23,081 | 10,670 |
| Purchase of available-for-sale investment securities | 163,169 | 1,944 |
| Proceeds from sales of available-for-sale investment securities | 274,708 | - |
| Proceeds from paydowns/maturities of available-for-sale investment securities | 20,579 | 14,585 |
| Net increase in loans | 93,234 | 46,477 |
| Purchase of premises and equipment | 93 | 58 |
| Net cash provided by / (used in) investing activities | 38,791 | -33,894 |
| Net increase in deposits | 157,803 | 111,426 |
| Restricted stock issued, net | 1,401 | 980 |
| Proceeds from the issuance of common stock upon initial public offering, net of offering costs | 61,344 | - |
| Net proceeds / (repayment) from overnight borrowings | -115,000 | 5,000 |
| Net proceeds / (repayment) from federal home loan bank borrowings | -70,000 | -45,000 |
| Net cash provided by financing activities | 32,746 | 70,446 |
| Net change in cash and cash equivalents | 94,618 | 47,222 |
| Cash and cash equivalents at beginning of period | 82,701 | - |
| Cash and cash equivalents at end of period | 177,319 | - |
Avidbank Holdings, Inc. (AVBH)
Avidbank Holdings, Inc. (AVBH)