Avidia Bank
Headquartered in Hudson, Avidia Bank serves the Massachusetts market as a community-focused commercial bank. As of Q1 2026, the bank held approximately $2.8B in total assets and $2.2B in deposits. Returns are in line with industry norms at 0.89% ROA and 7.64% ROE; net interest margin is 3.59%. Capital cushions are healthy: 15.18% CET1, 11.89% Tier 1 leverage. Credit metrics are in line with industry norms — 0.74% NPL ratio. It operates 10 branches, primarily in Massachusetts.
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
- Fed District
- 2
- Established
- February 26, 1869
- Branches
- 10 domestic
- Employees (FTE)
- 244
- FDIC Cert
- 90215
- Fed RSSD
- 619701
- Website
- www.avidiabank.com →
- Parent Holding Company
- AVIDIA BANCORP, INC. (RSSD 6031006)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Avidia Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Avidia Bank
What are Avidia Bank's total assets?
As of the Q1 2026 filing, Avidia Bank reported total assets of $2.80 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Avidia Bank headquartered?
Avidia Bank is headquartered in HUDSON, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Avidia Bank founded?
Avidia Bank was established in 1869, per the FDIC institution directory.
Is Avidia Bank FDIC-insured?
Yes. Avidia Bank is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Avidia Bank's CET1 capital ratio?
Avidia Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.18% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Avidia Bank operate?
Avidia Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Avidia Bank's Texas Ratio?
Avidia Bank's Texas Ratio is 4.92% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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