BlastPoint's Banking Scorecard
Avidbank
San Jose, CA
3 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +16.0% year over year ($2.3B on the books).
- Delinquency rate 0.66%.
- Return on assets 1.35%.
- Efficiency ratio 51.63% vs a 59.73% peer average.
- Loan-to-deposit ratio 94.75% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Avidbank shows strong momentum with 3 strengths and 11.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 8.10% below tier average
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+11.2% YoY
+3.1% QoQ
|
-$140.4M |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$2.2B
+16.4% YoY
+2.4% QoQ
|
+$239.4M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$2.3B
+16.0% YoY
+5.5% QoQ
|
+$5.8M |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.35%
+29.8% YoY
-8.6% QoQ
|
-0.04% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.28%
+18.5% YoY
-0.8% QoQ
|
+0.41% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
51.63%
-11.1% YoY
+5.4% QoQ
|
-8.10% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.66%
+831.8% YoY
-13.5% QoQ
|
-0.21% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
94.75%
+0.3% YoY
-3.0% QoQ
|
+9.71% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
24.57%
+10.8% YoY
-6.8% QoQ
|
+3.30% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.54%
+875.3% YoY
-14.2% QoQ
|
-0.13% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
11.83%
+1.3% YoY
-0.3% QoQ
|
-3.01% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.17%
+46.2% YoY
+178.0% QoQ
|
-0.35% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
26% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.6%
+2.4pp YoY -1.8pp QoQ |
+3.2pp | 21.4% | 25.5% | 22.2% | 70% |
| Brokered Deposits |
24.9%
-1.1pp YoY +2.8pp QoQ |
+15.4pp | 9.5% | 11.0% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
47.8%
+4.0pp YoY +2.5pp QoQ |
+33.8pp | 14.0% | 11.8% | 12.5% | 98% |
| CRE |
48.8%
-5.3pp YoY -1.6pp QoQ |
-1.3pp | 50.0% | 67.5% | 41.4% | 46% |
| 1-4 Family |
1.7%
+0.1pp YoY -0.5pp QoQ |
-24.7pp | 26.4% | 16.5% | 31.3% | 3% |
| Consumer |
0.0%
-0.1pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.3% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.2pp YoY 0.0pp QoQ |
-3.8pp | 15.6% | 23.7% | 19.7% | 20% |
| Leverage Ratio |
12.0%
+0.8pp YoY +0.1pp QoQ |
+0.7pp | 11.3% | 14.5% | 12.6% | 76% |
| Total Capital Ratio |
12.8%
+0.1pp YoY 0.0pp QoQ |
-3.9pp | 16.7% | 25.1% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
162
+13 (+8.7%) YoY +8 (+5.2%) QoQ |
-152 | 313 | 337 | 482 | 28% |
| Assets per Employee ($) |
$16.4M
+2.3% YoY -2.0% QoQ |
+$5.9M | $10.5M | $11.3M | $8.8M | 92% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 15 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.6pp YoY -0.1pp QoQ |
-0.2pp | 0.8% | 1.4% | 1.0% | 60% |
| Allowance Coverage |
1.49x
-89.9% YoY +16.0% QoQ |
-17.22x | 18.71x | 17.11x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.4%
+0.4pp YoY -0.1pp QoQ |
+0.2pp | 0.3% | 0.3% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+0.2pp YoY -1.1pp QoQ |
-0.9pp | 12.6% | 8.2% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.0%
-0.7pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.9% | 1.7% | 56% |
| Net Income ($, YTD) |
$17.5M
+44.5% YoY — QoQ |
-$1.7M | $19.2M | $28.5M | $40.4M | 65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.