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
Unfavorable gap of $56.5M · efficiency ratio beats 59% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.48% | 0.78% | 0.99% | Beats 74% | 7 / 27 | | |
| Return on Equity | 8.13% | 5.50% | 7.06% | 8.20% | Beats 70% | 8 / 27 | | |
| Net Interest Margin | 3.54% | 2.49% | 2.70% | 3.34% | Beats 81% | 5 / 27 | | |
| Efficiency Ratio | 65.25% | 59.27% | 68.19% | 75.85% | Beats 59% | 12 / 27 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.20% | 0.58% | 1.15% | Beats 44% | 16 / 27 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 44% | 16 / 27 | | |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 13.21% | 14.69% | 16.81% | Beats 59% | 11 / 27 | | |
| Total Risk-Based Capital Ratio | 16.61% | 13.71% | 15.43% | 18.07% | Beats 67% | 9 / 27 | | |
| Equity / Assets | 12.19% | 9.62% | 11.14% | 13.14% | Beats 63% | 10 / 27 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.19% | 91.42% | 101.19% | 107.11% | 48th pctl | 14 / 27 | | |
| Loans / Assets | 81.58% | 75.31% | 80.56% | 83.39% | 56th pctl | 12 / 27 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |