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Fourthstone LLC and related entities report a passive ownership stake in Avidbank Holdings, Inc. Fourthstone LLC, as investment adviser, directly holds 700,818 shares of Avidbank common stock on behalf of its advisory clients, representing 6.40% of the class. This percentage is based on 10,955,167 shares of common stock outstanding as of April 30, 2026, as referenced from the issuer’s Form 10-K. Related reporting persons include Fourthstone Master Opportunity Fund Ltd, Fourthstone QP Opportunity Fund, Fourthstone Small-Cap Financials Fund, Fourthstone GP LLC, and L. Phillip Stone IV, each reporting shared voting and shared dispositive power over their respective positions. The group states that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of Avidbank Holdings.
Avidbank Holdings, Inc. executive Arthur Wasson, EVP and Chief Revenue Officer, reported a sale of 10,000 shares of Common Stock on 2026-08-14 in a sale in open market or private transaction at $33.14 per share. Following this transaction, he directly holds 10,451 shares of Avidbank Holdings common stock.
Avidbank Holdings, Inc. reported stronger performance for the six months ended June 30, 2026. Net income was $16.7 million versus $11.2 million a year earlier, driven by higher net interest income of $53.2 million compared with $39.6 million. Total assets reached $2.66 billion, with loans of $2.22 billion and deposits of $2.32 billion.
Credit costs increased: the provision for credit losses rose to $4.2 million from $0.9 million, including higher charge‑offs in commercial and construction loans and a $14.4 million non‑accrual construction relationship. Special mention loans increased by $37.2 million, largely from a non‑owner‑occupied real estate relationship. The company also recognized $2.6 million in litigation charges tied to a legal settlement.
Liquidity and capital remain solid. Cash and cash equivalents were $159.9 million, there were no Federal Reserve or FHLB borrowings outstanding, and the bank was categorized as “well capitalized” with a Tier 1 leverage ratio of 11.99%. Estimated uninsured deposits were 40% of total deposits, and non‑reciprocal brokered deposits were $65.5 million, or 3% of deposits.
Avidbank Holdings, Inc. filed an amendment to a previously submitted current report to correct inadvertent errors in the SaaS Strategy Portfolio Breakdown table contained in an investor presentation for the second quarter of 2026. The earnings release previously furnished remains unchanged.
The company has attached an amended investor presentation as Exhibit 99.2, which may be used by management in future investor discussions. This presentation, and the related disclosure, are furnished rather than filed and are not incorporated into other securities law filings unless specifically referenced.
Avidbank Holdings, Inc. has an insider ownership report for President Dale Jonathan Michael on Form 3. He is identified as an officer with the title President and as the reporting person.
The data shows no reported transactions, no reported holdings entries, and no derivative positions in this filing.
Avidbank Holdings, Inc. executive Arthur Wasson, EVP and Chief Revenue Officer, reported a disposition to the issuer of 4,408 shares of common stock on August 1, 2026, at $32.61 per share. The shares were withheld upon vesting of restricted common stock based on the July 31, 2026 closing price, leaving 20,451 shares directly held.
On August 3, 2026, Avidbank Holdings, Inc. appointed Jonathan M. Dale as President of the company and its bank subsidiary, effective that date. Chairman and CEO Mark D. Mordell will remain in those roles, while Dale reports to him, reflecting the board’s leadership‑succession focus.
Under an Employment Confirmation Letter, Dale will receive a $625,000 annual base salary and be eligible for an annual bonus of up to 100% of salary, 75% in cash and 25% in restricted stock vesting over three years. He will also receive a one‑time $500,000 cliff‑vesting restricted stock award, travel reimbursements up to $7,500 per month for 12 months, and severance protections, including 50% of base salary plus six months of COBRA‑equivalent costs if terminated without cause. A change‑in‑control agreement provides, upon certain terminations within 18 months after a change in control, a lump sum of 2x salary plus target bonus, full vesting of unvested equity and long‑term incentives, and 18 months of COBRA reimbursement.
BlackRock, Inc. reports a passive ownership stake in AVIDBANK HOLDINGS INC common stock. BlackRock beneficially owns 591,284 shares, representing 5.4% of the outstanding common stock as of June 30, 2026.
BlackRock has sole voting power over 584,354 shares and sole dispositive power over all 591,284 shares, with no shared voting or dispositive power. Various underlying clients and investors have rights to dividends and sale proceeds from these shares, but no single client holds more than five percent of AVIDBANK HOLDINGS INC’s total outstanding common shares. The position is reported by BlackRock, Inc., a Delaware corporation, through certain consolidated reporting business units.
Avidbank Holdings, Inc. reported second quarter 2026 net income of $7.6 million, or $0.71 per diluted share, down from $9.0 million in the first quarter of 2026 but up from $5.8 million a year earlier. Excluding a $2.6 million litigation settlement expense and about $1.3 million of bank-owned life insurance death benefit income, adjusted net income was $8.2 million, or $0.76 per adjusted diluted share. Return on average assets was 1.20% (1.28% adjusted) and return on average equity was 10.40% (11.15% adjusted).
Net interest income rose to $26.7 million, a 31% increase from the second quarter of 2025, with net interest margin at 4.26%, up from 3.60% a year ago but slightly below 4.38% in the prior quarter as deposit costs rose and Federal Home Loan Bank dividends declined. Non-interest income increased to $3.1 million, mainly from the BOLI proceeds, while non-interest expense climbed to $16.5 million due largely to the litigation settlement; the efficiency ratio was 55.41% or 48.73% on an adjusted basis.
Total assets reached $2.66 billion at June 30, 2026. Loans were $2.22 billion and deposits $2.32 billion, each up 16% year over year. The provision for credit losses increased to $2.8 million, reflecting a $1.9 million partial charge-off of a non-performing construction loan. Non-performing loans were 0.65% of total loans, higher than 0.07% a year earlier but lower than 0.75% at March 31, 2026. Capital remained strong, with a tier 1 leverage ratio of 11.50% and a total risk-based capital ratio of 12.79%.
Avidbank Holdings director and 10% owner James F. Deutsch reported an equity grant of 1,500 shares of Common Stock. The award, coded as a grant or other acquisition, increased his directly held shares to 4,500. The filing also lists 1,050,918 shares of Common Stock held indirectly through the Patriot IV Funds, where he shares voting and dispositive power but disclaims beneficial ownership beyond any pecuniary interest.