Avidia Bank
Avidia Bank reported total assets of $2.8 bn at Q2 2026, down 6.2% on a year earlier, the 459th largest of 497 banks in our US coverage. The CET1 capital ratio at Avidia Bank was 15.47%, and the uninsured share of Avidia Bank was 39.16%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Avidia Bank climbed from 475th to 97th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Avidia Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.03% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- Over the year to , the total deposits of Avidia Bank fell by 8.9% to $2.2 bn, a bigger fall than at 99% of covered banks (FDIC Call Reports).
What sets Avidia Bank apart
- Over the year to , the total assets of Avidia Bank fell by 6.2% to $2.8 bn, a bigger fall than at 97% of covered banks.
- Over the year to , the bank equity capital of Avidia Bank rose by 57.8% to $337.9 mn, a bigger rise than at 97% of covered banks.
How large is Avidia Bank?
The balance sheet of Avidia Bank at : assets $2.8 bn, deposits $2.2 bn, net loans $2.2 bn (loans equal to 100.12% of deposits). Securities make up 11.8% of total assets at Avidia Bank. Since , when Avidia Bank held $1.3 bn, its assets grew 118.3%. In the year to , deposits at Avidia Bank fell 8.9% while its total assets fell 6.2%. At , Avidia Bank employed 244 full-time equivalent staff across 10 offices, about $11.4 mn of assets per employee and $223.4 mn of deposits per office.
How much funding at Avidia Bank is uninsured?
At Avidia Bank, uninsured deposits (above the FDIC limit) made up 39.16% of domestic deposits at (+5.18 pp on a year earlier); Avidia Bank ranks 200th of 500 on this measure. In dollars, Avidia Bank estimated $874.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | -8.9% | 469th of 499 |
| Net loans and leases | $2.2 bn | +0.5% | 402nd of 500 |
| Loan-to-deposit ratio | 100.12% | +9.31 pp | 55th of 500 |
| Tier 1 leverage ratio | 12.37% | +4.36 pp | 84th of 500 |
| Total risk-based capital ratio | 16.61% | +5.20 pp | 100th of 448 |
| Net interest margin | 3.67% | +0.56 pp | 238th of 500 |
| Return on assets (ROA) | 0.98% | +1.50 pp | 392nd of 500 |
| Efficiency ratio | 65.25% | -17.74 pp | 397th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $278,000 | Narrowed by $493,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $18.6 mn | Narrowed by $1.7 mn | |
| Noncurrent loans to total loans | 0.75% | +0.25 pp | 294th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.03% | -1.57 pp | 14th of 500 (1 = lowest) |
US rank of Avidia Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Avidia Bank: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.2bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of Avidia Bank stood at 15.47% in , +5.20 pp year on year. Low and high at Avidia Bank since : 9.65% () to 15.47% (). Equity capital of Avidia Bank at : $337.9 mn, or 12.2% of total assets. Avidia Bank also reported a total capital ratio of 16.61% for , and a tier 1 leverage ratio of 12.37%.
On held-to-maturity securities, Avidia Bank carried an unrealized loss of $278,000 at , equal to 0.1% of equity capital. The loss narrowed by $493,000 over the year. Its deepest point: $771,000 in . The available-for-sale portfolio of Avidia Bank showed an unrealized loss of $18.6 mn at ; the loss narrowed by $1.7 mn over the year.
Avidia Bank: capital ratios
- Total capital 17%
- CET1 15%
- Tier 1 leverage 12%
Avidia Bank: unrealized securities gains and losses
- Available for sale -$19mn
- Held to maturity -$278,000
Profitability and loan quality
For the year to , Avidia Bank earned a return on equity of 8.29%; return on assets: 0.98%. Net interest margin at Avidia Bank: 3.67%, +0.56 pp in a year. Avidia Bank net income: $13.7 mn, down 290.9% year on year. The efficiency ratio of Avidia Bank was 65.25%: about 65 cents cost per revenue dollar, against 64 cents at the median peer.
At , noncurrent loans were 0.75% of total loans at Avidia Bank; net charge-offs: -0.03% of average loans. Gross loans and leases at Avidia Bank: $2.3 bn, up 0.5% in a year.
Avidia Bank: profitability
- Return on equity 8.3%
- Net interest margin 3.7%
- Return on assets 1.0%
Peer group of Avidia Bank
The peer group of Avidia Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Avidia Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Massachusetts. Against them, Avidia Bank shows CET1 ratio 15.47% against a peer median of 15.02%, return on equity 8.29% against a peer median of 13.23% and uninsured deposit share 39.16% against a peer median of 29.95%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Ion Bank | State member bank | CT | $2.8 bn | 15.75% | 7.63% | 21.70% | |
| Sunrise Banks | National bank | SD | $2.8 bn | not reported | 3.75% | 15.33% | |
| Quad City Bank and Trust Company | State member bank | IA | $2.8 bn | 14.29% | 13.89% | 50.97% | |
| Avidia Bank | State-chartered stock savings bank | MA | $2.8 bn | 15.47% | 8.29% | 39.16% | |
| Lead Bank | State nonmember bank | MO | $2.8 bn | 20.33% | 18.15% | 30.02% | |
| Open Bank | State nonmember bank | CA | $2.7 bn | 12.10% | 12.57% | 49.75% | |
| State Bank of Southern Utah | State nonmember bank | UT | $2.7 bn | not reported | 15.58% | 29.89% | |
. FDIC Call Reports.
Last eight quarters
Two years at Avidia Bank, to : assets +3.6%, deposits +8.7%, equity +55.6%. Staff 256 to 244.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.7 bn | $2.7 bn | $2.7 bn | $3.0 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn |
| Total deposits | $2.1 bn | $2.1 bn | $2.1 bn | $2.5 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $217.2 mn | $216.0 mn | $208.6 mn | $214.2 mn | $318.1 mn | $325.5 mn | $331.0 mn | $337.9 mn |
| CET1 ratio | 10.56% | 10.78% | 10.09% | 10.27% | 14.97% | 14.82% | 15.18% | 15.47% |
| Return on equity (ROE) | 5.59% | 5.99% | -21.34% | -6.76% | -0.51% | 1.93% | 7.64% | 8.29% |
| Uninsured share of domestic deposits | 39.14% | 35.73% | 38.32% | 33.98% | 39.54% | 39.70% | 39.02% | 39.16% |
| Full-time equivalent employees | 256 | 248 | 250 | 252 | 246 | 241 | 244 | 244 |
| Number of offices | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Avidia Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Avidia Bank?
Avidia Bank reported $2.8 bn at in its Call Report. That makes Avidia Bank the 459th largest of 497 banks in our US coverage.
Is Avidia Bank the same as its holding company?
No. This page covers Avidia Bank, FDIC certificate 90215; AVIDIA BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Avidia Bank profitable?
Avidia Bank reported net income of $13.7 mn for the year to ; annualized return on equity: 8.29%. So yes: Avidia Bank made a profit over these months.
When is data for Avidia Bank next updated?
Figures from Avidia Bank for are due after .
Where can I check the figures for Avidia Bank?
In the FDIC BankFind Suite record for certificate 90215, and in the Call Reports of Avidia Bank (RSSD ID 619701) at the FFIEC Central Data Repository.