Avidbank: how it compares with its peers
Against 30 CA banks with half to twice its assets, Avidbank's strongest measure in Q2 2026 is assets per employee ($16.4M vs. a $10.7M peer median). Its weakest relative measure is efficiency ratio (51.63% vs. 55.34%).
| Measure | Avidbank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.19% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 3.91% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.63% | 55.34% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.4M | $10.7M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.75% | 88.17% | Context |
What it means for lending operations
Its efficiency ratio of 51.63% is better than the 55.34% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- CalPrivate Bank La Jolla, CA · $2.71B
- United Business Bank Walnut Creek, CA · $2.56B
- Open Bank Los Angeles, CA · $2.75B
- El Dorado Savings Bank, F.S.B. Placerville, CA · $2.44B
- West Coast Community Bank Santa Cruz, CA · $2.94B
- Plumas Bank Quincy, CA · $2.28B
Questions about Avidbank
How big is Avidbank?
Avidbank, established in 2003, is headquartered in San Jose, CA. It reported $2.65B in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Avidbank's return on assets?
1.35% annualized in Q2 2026, against a 1.19% median for 30 CA banks with half to twice its assets, ahead of 67% of them.
What is Avidbank's efficiency ratio?
51.63% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 55.34%, and lower is better.
Is Avidbank growing its loans?
Net loans grew 16.4% over the year to Q2 2026, while deposits grew 16.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.