Total Assets
$2.6B
Total balance-sheet footings
FDIC Cert #57510 · San Jose, California · Est. 2003
Avidbank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $2.6B
- Total assets
- C
- Health grade · Fair
- -0.76%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Avidbank earns a PlainBankData health grade of C (56/100), with well-capitalized at 11.46% Tier 1, -0.76% ROA, efficient (55% cost ratio).
- #493
- largest of 4,313 FDIC banks by assets
- 89th
- percentile by asset size, nationally
- 11.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Avidbank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Avidbank's composite health score
Tier 1 Capital Ratio (11.46%) 28/40
Return on Assets (ROA) (-0.76%) 0/25
Texas Ratio (7.84%) 16/20
Efficiency Ratio (55.08%) 12/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.2B
Customer-funded liabilities
Net Loans
$2.1B
Outstanding loan book
Net Income
$-18,046K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Avidbank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Avidbank's score of 56/100 falls in the highlighted band.
Avidbank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Avidbank's $2.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.46%
Texas Ratio
7.84%
Equity Capital
$290M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-0.76%
Return on Equity (ROE)
-7.49%
Efficiency Ratio
55.08%
What the numbers say about Avidbank
Avidbank is an FDIC-insured institution (Certificate #57510) headquartered in San Jose, California, established in 2003. It holds $2.6B in total assets - 493rd of 4,313 FDIC-insured banks, $2.2B in customer deposits, and $2.1B in net loans. Capital-wise, the Tier 1 ratio sits at 11.46%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.84%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Avidbank sits 39th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$146M
Interest Income
$6M
Non-Interest Income
$52M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Avidbank reports a Texas Ratio of 7.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Avidbank
Avidbank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-18,046K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Avidbank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Avidbank (FDIC Cert #57510) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Avidbank's health grade?▼
Avidbank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Avidbank?▼
Avidbank holds $2.6B in total assets and $2.2B in deposits, ranking 493rd of 4,313 FDIC-insured banks by asset size. It is headquartered in San Jose, California.
Is my money safe at Avidbank?▼
Yes, deposits at Avidbank (Certificate #57510) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Avidbank's Tier 1 Capital Ratio?▼
Avidbank has a Tier 1 Capital Ratio of 11.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Avidbank?▼
Avidbank has a Texas Ratio of 7.84%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Avidbank?▼
Avidbank has an Efficiency Ratio of 55.08%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Avidbank's profile as a depositor or analyst.
- Avidbank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Avidbank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.