Avidia Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets rose 0.45 percentage points from Q1 2026 to Q2 2026, ending at 12.23% against 11.78%. It was the largest change among the key lines on this page. Avidia Bank ranks 22nd of 59 Massachusetts banks on CET1 ratio, in the upper half at 15.47% (Q2 2026). Avidia Bank reported 15.47% on CET1 ratio for Q2 2026, 2.00 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.61% |
| Tier 1 leverage ratio | 12.37% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $340.2M |
| Tier 1 capital | $340.2M |
| Total risk-based capital | $365.2M |
| Total equity capital | $337.9M |
| Risk-weighted assets | $2.20B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.19% |
| Tangible equity to tangible assets | 11.81% |
| Equity capital to average assets | 12.23% |
| Internal capital growth rate | 9.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $99.9M |
| Retained earnings | $251.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.14% | 10.14% | 11.17% | 8.10% | $2.09B |
| Q4 2023 | 10.34% | 10.34% | 11.40% | 8.17% | $2.07B |
| Q1 2024 | 10.45% | 10.45% | 11.53% | 8.31% | $2.08B |
| Q2 2024 | 10.57% | 10.57% | 11.64% | 8.28% | $2.08B |
| Q3 2024 | 10.56% | 10.56% | 11.67% | 8.32% | $2.10B |
| Q4 2024 | 10.78% | 10.78% | 11.87% | 8.39% | $2.09B |
| Q1 2025 | 10.09% | 10.09% | 11.18% | 8.01% | $2.12B |
| Q2 2025 | 10.27% | 10.27% | 11.41% | 8.00% | $2.13B |
| Q3 2025 | 14.97% | 14.97% | 16.14% | 11.41% | $2.14B |
| Q4 2025 | 14.82% | 14.82% | 15.85% | 11.90% | $2.20B |
| Q1 2026 | 15.18% | 15.18% | 16.26% | 11.89% | $2.19B |
| Q2 2026 | 15.47% | 15.47% | 16.61% | 12.37% | $2.20B |
Avidia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Avidia Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Avidia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90215) · FFIEC NIC profile (RSSD 619701)