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Avidia Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90215

Designations: ✓ Community bank

Hudson, MA

10 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits -8.9% year over year ($2.2B on the books).
  • Delinquency rate 0.76%.
  • Return on assets 0.98%.
  • Efficiency ratio 65.25% vs a 59.73% peer average.
  • Loan-to-deposit ratio 100.12% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Avidia Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 26.9% in tier
  • - Capital Constraint: Bottom 78.1% in tier
  • - ROA 0.41% below tier average
  • - Net Interest Margin 0.20% below tier average
  • - Efficiency Ratio 5.52% above tier average
Get updates when Avidia Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.8B
-6.2% YoY -1.1% QoQ
-$22.3M $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $2.2B
+0.5% YoY -1.1% QoQ
+$273.4M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $2.2B
-8.9% YoY +0.3% QoQ
-$84.9M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 0.98%
+289.1% YoY +10.2% QoQ
-0.41% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 3.67%
+18.2% YoY +0.6% QoQ
-0.20% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 65.25%
-21.4% YoY -1.4% QoQ
+5.52% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 0.76%
+49.0% YoY +25.5% QoQ
-0.11% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 100.12%
+10.2% YoY -1.4% QoQ
+15.09% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 13.8% in tier
Non-Interest-Bearing Deposit Share ? 20.29%
+42.5% YoY -4.7% QoQ
-0.98% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.61%
+59.6% YoY +25.5% QoQ
-0.06% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
37%
Tier 1 Capital Ratio ? 15.47%
+50.7% YoY +1.9% QoQ
+0.63% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.36%
+16.8% YoY +140.4% QoQ
-0.16% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 20.3%
+6.1pp YoY
-1.0pp QoQ
 -1.1pp 21.4% 16.2% 22.2% 52%
Brokered Deposits n/a n/a 9.5% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 39.3%
+1.0pp YoY
0.0pp QoQ
 +25.3pp 14.0% 6.5% 12.5% 95%
CRE 32.6%
0.0pp YoY
-0.3pp QoQ
 -17.4pp 50.0% 40.3% 41.4% 13%
1-4 Family 28.4%
0.0pp YoY
+0.5pp QoQ
 +2.0pp 26.4% 52.4% 31.3% 62%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.6pp 4.7% 1.6% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 15.5%
+5.2pp YoY
+0.3pp QoQ
 -0.1pp 15.6% 16.6% 19.7% 74%
Leverage Ratio 12.4%
+4.4pp YoY
+0.5pp QoQ
 +1.1pp 11.3% 11.5% 12.6% 80%
Total Capital Ratio 16.6%
+5.2pp YoY
+0.3pp QoQ
 -0.1pp 16.7% 17.5% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 244
-8 (-3.2%) YoY
0 QoQ
 -70 313 755 482 53%
Assets per Employee ($) $11.4M
-3.1% YoY
-1.1% QoQ
 +$875K $10.5M $10.7M $8.8M 74%
Branch Count 10
0 YoY
0 QoQ
 -10 20 13 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.8%
+0.2pp YoY
+0.2pp QoQ
 -0.1pp 0.8% 0.8% 1.0% 64%
Allowance Coverage 1.41x
-31.8% YoY
-15.3% QoQ
 -17.30x 18.71x 7.95x 20.23x 36%
Net Charge-off Rate (YTD) -0.0%
-1.6pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 8.3%
+15.0pp YoY
+0.6pp QoQ
 -4.3pp 12.6% 5.6% 11.6% 21%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.9% 2.0% 1.7% 16%
Net Income ($, YTD) $13.7M
+290.9% YoY
— QoQ
 -$5.5M $19.2M $31.7M $40.4M 56%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#98 of 361 • Bottom 26.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.12%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#26 of 32 • Bottom 78.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 100.12%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.47%
(Tier: 14.84%, National: 17.09%)
better than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

202
Tier 1 Capital Ratio
capital
Value: 15.47%
Peer Median: 14.84%
#202 of 885 Top 22.7% in $1B-$10B

Top Weaknesses (1 metrics)

764
Loan-to-Deposit Ratio
liquidity
Value: 100.12%
Peer Median: 85.04%
#764 of 885 Bottom 13.8% in $1B-$10B
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