BlastPoint's Banking Scorecard
Avidbank
Community
Specialty: Commercial
CA
FDIC cert 57510
San Jose, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Avidbank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.92% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+11.5% YoY
+8.8% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.1B
+15.2% YoY
+9.7% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.2B
+15.9% YoY
+6.6% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
-0.76%
-178.3% YoY
+47.6% QoQ
|
-1.92% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.87%
+10.3% YoY
+2.8% QoQ
|
+0.21% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
55.08%
-3.8% YoY
-3.2% QoQ
|
-7.55% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
1.15%
+712.5% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
97.01%
-0.6% YoY
+2.9% QoQ
|
+13.95% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
25.67%
+17.1% YoY
+10.4% QoQ
|
+4.62% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.96%
+719.6% QoQ
|
+0.46% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
11.46%
+1.2% YoY
-5.3% QoQ
|
+1.22% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.23%
-10.8% YoY
+29.5% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.76%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
73
73th pctile
Efficiency Ratio
Current: 55.08% · Tier avg: 62.63%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.67% · Tier avg: 21.05%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.46% · Tier avg: 10.24%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.01% · Tier avg: 83.06%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
1
1th pctile
Return on Assets
Current: -0.76% · Tier avg: 1.16%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -0.76% · Tier avg: 1.16%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.01% · Tier avg: 83.06%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.46% · Tier avg: 10.24%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.67% · Tier avg: 21.05%
73
73th pctile
Efficiency Ratio
Current: 55.08% · Tier avg: 62.63%
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M