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Income Statement
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Balance Sheet
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Income Overview
Net Income
$7,647K
EPS
$0.71
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Credit card income
113
-
-
-
Service charges and fees
851
821
750*
779
Foreign exchange income
340
363
243*
267
Bank-owned life insurance income
1,497
106
89*
96
Warrant and success fee income
64
3
-171*
-
Other investment income
79
-22
121*
-
Loss on sale of securities
-
-
-
-62,391
Net loss on sale of debt securities
-
-
31,607*
-
Other income
106
196
-43*
315
Other income
-
-
-
82
Total non-interest income
3,050
1,467
32,595*
-60,852
Interest and fees on loans
36,484
35,429
34,415*
33,880
Taxable debt securities
2,529
2,437
2,563*
1,126
Tax-exempt debt securities
30
30
31*
31
Federal home loan bank dividends
20
426
188*
184
Other interest income
864
716
-792*
2,033
Total interest income
39,927
39,038
36,403*
37,254
Interest on deposits
12,640
11,899
12,187*
13,776
Interest on short-term borrowings
196
240
886*
-
Interest on borrowings
-
-
-
828
Interest on subordinated debentures
410
399
436*
-
Total interest expense
13,246
12,538
13,508*
14,604
Net interest income
26,681
26,500
22,895*
22,650
Provision for credit losses
2,789
1,445
1,698*
1,355
Net interest income after provision for credit losses
23,892
25,055
21,197*
21,295
Salaries and employee benefits
9,563
9,555
9,370*
9,766
Legal and professional fees
897
1,188
677*
-
Data processing
787
799
610*
792
Occupancy and equipment
777
790
985*
723
Regulatory assessments
515
566
633*
445
Legal and professional fees
-
-
-
591
Other operating expenses
3,934
1,184
1,375*
1,162
Total non-interest expense
16,473
14,082
13,649*
13,479
Income before provision for income taxes
10,469
12,440
40,143*
-53,036
Provision for income taxes
2,822
3,419
11,789*
-15,301
Net income
7,647
9,021
28,354
-37,735
Basic EPS
0.72
0.85
3.015
-4.12
Diluted EPS
0.71
0.84
3.065
-4.12
Basic Average Shares
10,607,949
10,600,902
9,404,433
9,168,707
Diluted Average Shares
10,776,924
10,773,884
9,252,312
9,168,707
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$36,484K
(10.67%↑ Y/Y)
Taxable debt securities
$2,529K
(51.17%↑ Y/Y)
Other interest income
$864K
(8.95%↑ Y/Y)
Tax-exempt debt securities
$30K
(0.00%↑ Y/Y)
Federal home loan bank
dividends
$20K
(-88.95%↓ Y/Y)
Total interest income
$39,927K
(12.02%↑ Y/Y)
Net interest income
$26,681K
(31.50%↑ Y/Y)
Bank-owned life insurance
income
$1,497K
(1509.68%↑ Y/Y)
Service charges and fees
$851K
(1.31%↑ Y/Y)
Foreign exchange income
$340K
(73.47%↑ Y/Y)
Credit card income
$113K
Other income
$106K
(560.87%↑ Y/Y)
Other investment
income
$79K
(443.48%↑ Y/Y)
Warrant and success fee
income
$64K
(-76.56%↓ Y/Y)
Total interest
expense
$13,246K
(-13.73%↓ Y/Y)
Net interest income
after provision for...
$23,892K
(23.38%↑ Y/Y)
Total non-interest
income
$3,050K
(98.31%↑ Y/Y)
Provision for credit
losses
$2,789K
(201.51%↑ Y/Y)
Interest on deposits
$12,640K
(-7.53%↓ Y/Y)
Interest on subordinated
debentures
$410K
Interest on short-term
borrowings
$196K
Income before
provision for income taxes
$10,469K
(26.22%↑ Y/Y)
Total non-interest
expense
$16,473K
(30.64%↑ Y/Y)
Net income
$7,647K
(31.91%↑ Y/Y)
Provision for income taxes
$2,822K
(13.02%↑ Y/Y)
Salaries and employee
benefits
$9,563K
(6.52%↑ Y/Y)
Other operating
expenses
$3,934K
(302.25%↑ Y/Y)
Legal and
professional fees
$897K
(25.45%↑ Y/Y)
Data processing
$787K
(3.69%↑ Y/Y)
Occupancy and equipment
$777K
(2.37%↑ Y/Y)
Regulatory assessments
$515K
(22.62%↑ Y/Y)
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Avidbank Holdings, Inc. (AVBH)
Avidbank Holdings, Inc. (AVBH)