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Avidia Bank
Hudson, MA · FDIC Certificate #90215 · Chartered 02/2
Total assets
$2.77B
Total deposits
$2.23B
Total equity
$337.92M
Net loans
$2.24B
Branches (offices)
10
Net income (YTD)
$13.74M
Rank: #465 of 4,213 U.S. banks by assets · #18 of 89 in Massachusetts. Assets changed -6.2% and deposits -8.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 8.29% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 12.19% |
| Tier 1 leverage ratio | 12.37% |
| Uninsured deposits (share of deposits) | 39.2% |
| Noncurrent loans (share of loans) | 0.75% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 100.1% |
| Real estate loans (share of loans) | 61.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.37B | 61.1% | |
| Commercial & industrial | $878.49M | 39.3% | |
| Consumer / individual | $3.02M | 0.1% | |
| Construction & development | $94.59M | 4.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.41B | $2.20B | $1.58M | $183.65M |
| Jun 2023 | $2.58B | $1.96B | $6.88M | $191.44M |
| Jun 2024 | $2.65B | $2.04B | $6.42M | $209.30M |
| Jun 2025 | $2.95B | $2.45B | -$7.20M | $214.19M |
| Jun 2026 | $2.77B | $2.23B | $13.74M | $337.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $2.23B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.23B.
Similar-sized banks
Quad City Bank And Trust Company ($2.77B) · Lead Bank ($2.76B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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