Entry into a Material Definitive Agreement. On August 26, 2026, Avidbank Holdings, Inc. (the “Company”) entered into a Subordinated Note Purchase Agreement (the “Purchase Agreement”) with certain institutional accredited investors and qualified institutional buyers (the “Purchasers”) pursuant to which the Company sold and issued $30 million in aggregate principal amount of its 7.00% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “Notes”). The Notes were issued by the Company to the P…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under

Other Events. On August 27, 2026, following issuance of the Notes, the Company (i) completed a private repurchase and cancellation of $18 million of outstanding principal amount of its 2029 Notes at a purchase price of approximately $18.2 million which represents the outstanding principal amount of such privately repurchased notes plus accrued but unpaid interest thereon; and (ii) provided notice to the paying agent to redeem the remaining $4 million of the outstanding principal amount of the…

President — Jonathan M. Dale: Jonathan M. Dale was appointed as President of the Company and the Bank, while Mark D. Mordell continues to serve as Chairman and Chief Executive Officer.

and Exhibit 99.1 attached hereto shall not be deemed “ filed ” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the "Securities Act") or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

and Exhibit 99.1 attached hereto shall not be deemed “ filed ” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the "Securities Act") or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Director — Mr. Keith F. Jensen: Mr. Keith F. Jensen was appointed as a director to fill an existing vacancy on the board.

and Exhibit 99.1 attached hereto shall not be deemed “ filed ” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the "Securities Act") or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Director — Lisa Hendrickson: Ms. Lisa Hendrickson resigned from the board of directors due to personal reasons.

Results of Operations and Financial Condition On October 23, 2025, Avidbank Holdings, Inc. (the "Company") issued a press release announcing financial results for the quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Results of Operations and Financial Condition On August 25, 2025, Avidbank Holdings, Inc. (the "Company") issued a press release announcing financial results for the quarter ended June 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference. The information in this