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Avidia Bank

Hudson, MA · Cert 90215 · Avidia Bcorp Inc.

SI · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Avidia Bank

Hudson, MA · Cert 90215 · Avidia Bcorp Inc.

SI · FDIC · 10 branches

Q2 2026

$2.8BAssets
$2.3BLoans
$2.2BDeposits
$337.9MEquity
Loan mix
61%RE $1.4B39%C&I $0.9B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.8B20%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.55%Q2 ’244.61%Q2 ’254.84%Q2 ’26+6%+19%

Non-interest income vs. expense

2.82%Q2 ’243.02%Q2 ’252.78%Q2 ’26+9%-13%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.3% share · #23 of 100 inst. · $1.6B of $580.3B

1.9% Middlesex
2.9% Worcester

Executive Summary

  • Earnings: ROA of 0.98%, up 150 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.75% of loans (+25 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 12.37%, up 436 bps from a year ago.
  • Funding: loans stand at 101.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+150 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+56 bps YoY

Efficiency Ratio (YTD, annualized)

65.25%-1,774 bps YoY

Tier 1 Leverage Ratio

12.37%+436 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.52%-0.04%0.18%0.89%0.98%+150 bps
Return on Equity-6.76%-0.51%1.93%7.64%8.29%+1,505 bps
Net Interest Margin2.98%3.06%3.23%3.48%3.54%+56 bps
Efficiency Ratio83.00%76.43%73.60%66.19%65.25%-1,774 bps
Non-Interest Burden2.35%2.18%2.20%2.09%2.05%-30 bps
Growth
Asset Growth (YoY)11.30%4.03%6.41%3.44%-6.20%-1,751 bps
Loan Growth (YoY)4.75%4.29%4.46%2.25%0.50%-425 bps
Deposit Growth (YoY)20.42%5.22%6.15%3.88%-8.86%-2,928 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.77%0.88%0.60%0.75%+25 bps
Net Charge-Offs / Loans1.52%1.04%0.93%0.02%-0.03%-155 bps
Allowance / Loans1.04%1.07%0.96%1.00%1.06%+2 bps
Allowance Coverage of NPLs2.1x1.4x1.1x1.7x1.4x-0.7x
Capital
Tier 1 Leverage Ratio8.00%11.41%11.90%11.89%12.37%+436 bps
Total Risk-Based Capital11.41%16.14%15.85%16.26%16.61%+520 bps
Equity / Assets7.25%11.43%11.49%11.81%12.19%+494 bps
Liquidity & Funding
Loans / Deposits91.77%105.28%104.13%102.54%101.19%+942 bps
Liquid Assets / Assets10.18%4.03%5.04%3.10%2.31%-787 bps
CRE / Total Capitaln/a227%229%224%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Avidia Bank

Hudson, MA · Cert 90215 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Avidia Bcorp Inc.

SI · FDIC · 10 branches

Q2 2026

$2.8BAssets
$2.3BLoans
$2.2BDeposits
$337.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 27).
  • Widest gap: net charge-offs / loans trails 56% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 16 of 27).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

0.99%

Rank 7 of 27

Net Interest Margin

3.54%

Rank 5 of 27

Efficiency Ratio

65.25%

Rank 12 of 27

Equity / Assets

12.19%

Rank 10 of 27

Non-interest income vs. expense

$20.2M$76.7MINCOMEEXPENSE
Unfavorable gap of $56.5M · efficiency ratio beats 59% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 65.25%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.48%0.78%0.99%Beats 74%7 / 27
Return on Equity8.13%5.50%7.06%8.20%Beats 70%8 / 27
Net Interest Margin3.54%2.49%2.70%3.34%Beats 81%5 / 27
Efficiency Ratio65.25%59.27%68.19%75.85%Beats 59%12 / 27
Asset Quality
Nonperforming Loans / Loans0.75%0.20%0.58%1.15%Beats 44%16 / 27
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 44%16 / 27
Capital
Tier 1 Capital Ratio15.47%13.21%14.69%16.81%Beats 59%11 / 27
Total Risk-Based Capital Ratio16.61%13.71%15.43%18.07%Beats 67%9 / 27
Equity / Assets12.19%9.62%11.14%13.14%Beats 63%10 / 27
Liquidity & Funding
Loans / Deposits101.19%91.42%101.19%107.11%48th pctl14 / 27
Loans / Assets81.58%75.31%80.56%83.39%56th pctl12 / 27
Brokered Deposits / Depositsn/aNot reported for this institution