AVBH

Avidbank Holdings operates as the bank holding company for Avidbank providing commercial banking services to small and mid-sized businesses, entrepreneurs, and professionals primarily across the San Francisco Bay Area. Headquartered in Palo Alto, California, Avidbank offers traditional commercial banking products including business checking and savings accounts, treasury management services, commercial real estate loans, business lines of credit, equipment financing, and Small Business Administration guaranteed lending. The company emphasizes relationship-based banking with experienced commercial bankers providing personalized service, local decision-making authority, and industry expertise particularly in technology, healthcare, professional services, and real estate sectors dominating Bay Area economies. Avidbank reported total assets of approximately $2 billion with loan portfolios concentrated in commercial real estate representing 60-65% of total loans, commercial and industrial lending comprising 25-30%, and SBA guaranteed loans contributing remaining portions. The company operates ten banking offices across San Mateo, Santa Clara, and San Francisco counties targeting business owners and professionals within one of America's wealthiest and most economically dynamic regions benefiting from technology industry prosperity, high median incomes, and strong real estate values. Avidbank generates revenues primarily through net interest income earned from loan and investment portfolios funded by deposits, plus non-interest income from treasury management fees, loan origination fees, and SBA loan sales to secondary markets. Recent strategic priorities include prudent loan growth within established market areas focusing on relationship-driven opportunities with creditworthy borrowers, deposit gathering initiatives emphasizing operating accounts providing stable low-cost funding, and operational efficiency improvements leveraging technology investments automating routine processes and enhancing customer digital banking capabilities. The company faces intense competition from larger regional banks including First Republic Bank acquired by JPMorgan Chase, Wells Fargo, and Bank of the West, plus numerous community banks and credit unions operating across Bay Area markets. Avidbank operates in high-cost markets where real estate prices, employee compensation, and regulatory compliance expenses create elevated operating cost structures requiring premium pricing and operational discipline maintaining profitability.