BlastPoint's Banking Scorecard

Avidbank

$1B-$10B Specialty: Commercial CA FDIC cert 57510

San Jose, CA

3 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA

Avidbank shows strong momentum with 4 strengths and 11.2% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.11% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 12.06% below tier average
+ Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.6B +11.2% YoY +0.4% QoQ	-$243.5M	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$2.2B +18.1% YoY +1.2% QoQ	+$187.1M	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$2.2B +14.1% YoY +0.5% QoQ	-$140.6M	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	1.48% +46.5% YoY +295.3% QoQ	+0.11%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	4.31% +21.0% YoY +11.4% QoQ	+0.49%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	49.00% -19.5% YoY -11.0% QoQ	-12.06%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.76% +931.6% YoY -34.2% QoQ	-0.13%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	97.69% +3.5% YoY +0.7% QoQ	+13.49%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	26.35% +20.8% YoY +2.7% QoQ	+5.07%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.63% +995.6% YoY -33.6% QoQ	-0.04%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	11.87% +0.8% YoY +3.6% QoQ	-3.29%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.06% +18.7% YoY -72.7% QoQ	-0.19%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	15%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

151

Net Interest Margin

profitability

Value: 4.31%

Peer Median: 3.82%

#151 of 884 Top 17.0% in $1B-$10B

174

Efficiency Ratio

profitability

Value: 49.00%

Peer Median: 61.06%

#174 of 884 Top 19.6% in $1B-$10B

Top Weaknesses (2 metrics)

748

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#748 of 884 Bottom 15.5% in $1B-$10B

726

Loan-to-Deposit Ratio

liquidity

Value: 97.69%

Peer Median: 84.20%

#726 of 884 Bottom 18.0% in $1B-$10B