Avidbank Holdings, Inc. (AVBH) Shareholder/Analyst Call Prepared Remarks Transcript

Operator

Good morning. My name is Tiffany, and I will be your conference operator today. At this time, I would like to welcome everyone to the Avidbank Holdings, Inc. First Quarter 2026 Earnings Conference Call.

Bryan C. Polster

Good morning, everyone, and thank you for being here, and welcome to our 2026 Annual Shareholders Meeting of Avidbank Holdings. And my name is Bryan Polster, I serve as the lead independent Director of the Board of Directors of the Bank.

Also on behalf of the Board of Directors of our company, I’m very pleased that you could be with us today here, in-person, for our meeting. I want to thank you all for all of your active participation, active interest and support of the bank is very meaningful to the organization in total. Thank you for that.

I also want to give a special welcome to any of the people attending virtually. I’d remind everyone that while in attendance virtually from — or the formality of shareholder votes that you will not be able to change any of the votes that have been previously submitted, but for — and normally be considered part of the quorum for legal or quorum purposes. Shareholders participating via the audio conference call will not be able to vote or change any previously submitted votes, and no questions may be submitted through the audio conference call.

It’s my pleasure this morning to introduce the officers of the company and the bank who are present with us today. First of all, I’d like to introduce Mark Mordell, our Chief Executive Officer and Chairman of the Board; Pat Oakes, our Chief Financial Officer; Ms. Gina Thoma-Peterson, our Chief Operating