Avidbank Holdings, Inc. reported fourth-quarter 2025 earnings per share of $0.65, falling short of the Zacks Consensus Estimate of $0.76 and down 22.6% from $0.84 in the year-ago quarter. Net interest income narrowed as net interest margin contracted by 15 basis points sequentially, while loan growth of 4.2% year-over-year failed to offset increased funding costs. Non-interest income declined 8.5% compared with the prior year, pressured by lower service charge revenue and reduced gains on securities sales. The company’s efficiency ratio deteriorated to 68.4%, up from 62.1% in Q4 2024, reflecting rising operating expenses tied to technology investments and branch expansions in key Texas markets. During the earnings call, management reiterated its commitment to disciplined credit underwriting and highlighted the use of non-GAAP measures—detailed in its SEC filings—to adjust for one-time integration costs related to its recent regional acquisition.