Hudson, MA · Cert 90215 · Avidia Bcorp Inc.
SI · FDIC · 10 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.3% share · #23 of 100 inst. · $1.6B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.58% | -1.69% | 0.58% | 0.88% | 0.84% | 0.89% | 1.07% | +49 bps | |
| Return on Equity | 4.38% | 7.09% | -21.34% | 7.82% | 9.43% | 7.31% | 7.64% | 8.93% | +111 bps | |
| Net Interest Margin | 2.85% | 2.71% | 2.92% | 3.10% | 3.38% | 3.50% | 3.48% | 3.54% | +44 bps | |
| Efficiency Ratio | 77.34% | 72.96% | 91.65% | 75.18% | 64.81% | 65.65% | 66.19% | 64.36% | -1,082 bps | |
| Non-Interest Burden | 2.05% | 1.78% | 2.62% | 2.14% | 1.96% | 2.10% | 2.09% | 1.97% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.12% | 2.41% | 2.34% | 11.30% | 4.03% | 6.41% | 3.44% | -6.20% | -1,751 bps | |
| Loan Growth (YoY) | 3.55% | 3.20% | 4.03% | 4.75% | 4.29% | 4.46% | 2.25% | 0.50% | -425 bps | |
| Deposit Growth (YoY) | 3.56% | 6.19% | 6.46% | 20.42% | 5.22% | 6.15% | 3.88% | -8.86% | -2,928 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.53% | 0.50% | 0.77% | 0.88% | 0.60% | 0.75% | +25 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 3.08% | -0.01% | 0.11% | 0.64% | 0.02% | -0.07% | -6 bps | |
| Allowance / Loans | 1.00% | 0.99% | 0.98% | 1.04% | 1.07% | 0.96% | 1.00% | 1.06% | +2 bps | |
| Allowance Coverage of NPLs | 5.0x | 5.0x | 1.8x | 2.1x | 1.4x | 1.1x | 1.7x | 1.4x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.32% | 8.39% | 8.01% | 8.00% | 11.41% | 11.90% | 11.89% | 12.37% | +436 bps | |
| Total Risk-Based Capital | 11.67% | 11.87% | 11.18% | 11.41% | 16.14% | 15.85% | 16.26% | 16.61% | +520 bps | |
| Equity / Assets | 8.12% | 8.12% | 7.70% | 7.25% | 11.43% | 11.49% | 11.81% | 12.19% | +494 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.23% | 105.81% | 104.17% | 91.77% | 105.28% | 104.13% | 102.54% | 101.19% | +942 bps | |
| Liquid Assets / Assets | 2.01% | 2.39% | 2.79% | 10.18% | 4.03% | 5.04% | 3.10% | 2.31% | -787 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 227% | 229% | 224% | n/a | n/a | |