Avidia Bank
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Data as of · sourced from FFIEC call reports. How we update
Avidia Bank is an FDIC-insured savings bank headquartered in Hudson, MA, established in 1869 (FDIC certificate 90215), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.77B, down 6.2% from Q2 2025, the 18th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 15.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90215
- Headquarters
- Hudson, MA
- Established
- 1869
- Total assets, Q2 2026
- $2.77B
- Assets vs Q2 2025
- -6.2%
- CET1 ratio, Q2 2026
- 15.47%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 211370529
- Holding company
- AVIDIA BANCORP, INC.
- Asset rank in state
- 18th of 89 in Massachusetts
Avidia Bank, based in Hudson, Massachusetts, reported $2.8 billion in assets at June 30, 2026, down 6.2% from a year earlier. It lost 8.9% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also pays an average of 1.49% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $7.5 million, 81% above the same quarter a year earlier. Over the same year, loans grew 0.5% and deposits shrank 8.9%. Profitability lags: it returns 8.9% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Avidia Bank reported a CET1 capital ratio of 15.47%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 3.76%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Avidia Bank is the 18th largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $2.77B, loans fell 1.1% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 38.9% of total loans, ahead of 1-4 family residential loans at 28.1%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in MA; its Hudson 3 offices book 61% of its branch deposits. Judged on its Q2 2026 call report, Avidia Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 42 Main St, Hudson, MA 01749
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- February 26, 1869
- Former names
- Hudson Savings Bank (1968-2007)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 244
- Domestic deposits
- $2.23B
- Allowance for credit losses
- $23.9M
- Net charge-offs (YTD)
- -$304K
- Average total assets
- $2.76B
- Average total loans
- $2.26B
- Average interest-bearing deposits
- $1.76B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 27, 1985
- FDIC Cert
- 90215
- Fed RSSD
- 619701
- SEC CIK
- 2058758 → filed by AVIDIA BANCORP, INC.
- Website
- www.avidiabank.com →
- Parent Holding Company
- AVIDIA BANCORP, INC. (RSSD 6031006) · AVBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Robert D Cozzone | CEO | President & CEO |
| Nelson Jonathan Michael | CFO | CFO and Treasurer |
| Bartholomew H Murphy Jr | COO | EVP & Chief Operating Off |
| Nicolas Karmelek | CRO | EVP and CRO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Avidia Bank's total assets ranged from $2.60B (Q4 2023) to $2.95B (Q2 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.77B total assets against $2.95B; $2.43B total liabilities against $2.74B.
$2.24B net loans and leases against $2.23B; $2.23B total deposits against $2.45B.
$326.2M securities against $281.3M; $70.5M cash and balances due against $308.5M.
$33.2M total interest income against $32.1M; $8.9M total interest expense against $10.9M.
$24.3M net interest income against $21.2M.
$5.8M total noninterest income against $5.1M; $19.4M total noninterest expense against $19.7M.
$891K provision for credit losses against $1.1M.
$7.5M net income against $4.1M.
1.08% return on assets against 0.60%; 3.66% net interest margin against 3.23%.
15.47% CET1 capital ratio against 10.27%; 12.37% tier 1 leverage ratio against 8.00%.
Inside the full Avidia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Avidia Bank rankings
Its closest position to the top of a national ranking is 457 of 4,196, for total assets; its furthest is 2,324 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.69% (Q1 2025) to 1.08% (Q2 2026) and its net interest margin ran from 2.83% (Q4 2024) to 3.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.47% | 1.08% | 0.75% | 3.76% | 3.66% |
| Q1 2026 | 15.18% | 0.89% | 0.60% | 3.02% | 3.59% |
| Q4 2025 | 14.82% | 0.85% | 0.88% | 5.00% | 3.61% |
| Q3 2025 | 14.97% | 0.89% | 0.77% | 5.33% | 3.48% |
| Q2 2025 | 10.27% | 0.60% | 0.50% | 4.57% | 3.23% |
| Q1 2025 | 10.09% | -1.69% | 0.53% | 4.99% | 3.03% |
| Q4 2024 | 10.78% | 0.57% | 0.20% | 1.44% | 2.83% |
| Q3 2024 | 10.56% | 0.35% | 0.20% | 1.50% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Avidia Financial Center | Hudson , MA | 01749 | $1.27B |
| Westborough Branch | Westborough , MA | 01581 | $239.0M |
| Marlborough Branch | Marlborough , MA | 01752 | $129.9M |
| Northborough Branch | Northborough , MA | 01532 | $129.7M |
| Leominster Branch | Leominster , MA | 01453 | $108.1M |
| Clinton Branch | Clinton , MA | 01510 | $98.9M |
| Hudson South Branch | Hudson , MA | 01749 | $92.5M |
| Framingham Branch | Framingham , MA | 01701 | $84.1M |
| Shrewsbury Branch | Shrewsbury , MA | 01545 | $80.9M |
| Avidia Bank (main office) | Hudson , MA | 01749 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 25, 2007 | Structure Change | Acquired Westborough Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MA, rank 24 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 245 applications, 187 loans originated, $102.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 19 loans, $5.4M approved, $283K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Avidia Bank
What are Avidia Bank's total assets?
As of the Q2 2026 filing, Avidia Bank reported total assets of $2.77 billion in its FFIEC call report.
Where is Avidia Bank headquartered?
It is headquartered in Hudson, MA, United States.
When was Avidia Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Avidia Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90215). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Avidia Bank?
Avidia Bank's primary federal regulator is the FDIC.
What is Avidia Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Avidia Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Avidia Bank's Texas Ratio?
Its Texas Ratio is 3.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Avidia Bank previously called?
The charter now named Avidia Bank has also operated as Hudson Savings Bank (1968-2007), per FDIC structure-change records.
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