BlastPoint's Banking Scorecard
Avidia Bank
Designations: ✓ Community bank
Hudson, MA
10 branches across MA
Avidia Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.8% in tier
- - Liquidity Strain: Bottom 39.8% in tier
- - ROA 0.48% below tier average
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 5.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+3.4% YoY
-1.1% QoQ
|
-$13.3M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$2.3B
+2.2% YoY
-0.7% QoQ
|
+$297.1M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$2.2B
+3.9% YoY
+0.9% QoQ
|
-$115.1M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
0.89%
+152.8% YoY
+400.6% QoQ
|
-0.48% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.65%
+18.3% YoY
+8.8% QoQ
|
-0.17% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
66.19%
-27.8% YoY
-10.1% QoQ
|
+5.13% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.60%
+12.2% YoY
-32.1% QoQ
|
-0.29% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
101.51%
-1.6% YoY
-1.6% QoQ
|
+17.31% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.30%
+23.0% YoY
+6.1% QoQ
|
+0.01% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.49%
+10.9% YoY
-31.8% QoQ
|
-0.19% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
15.18%
+50.4% YoY
+2.5% QoQ
|
+0.02% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.15%
-0.7% YoY
-75.5% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
54% |
Get Full Access to Avidia Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.