Avidia Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 24.2% in Q2 2026, from $93.0M to $70.5M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Avidia Bank is 27th of 89 on loan-to-deposit ratio, 101.19% as of Q2 2026, above the middle of the field. Avidia Bank reported 101.19% on loan-to-deposit ratio for Q2 2026, 12.99 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $70.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $396.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $160.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.77% |
| Trading liabilities | $5.5M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.19% |
| Net loans and leases to deposits | 100.12% |
| Loans and leases to core deposits | 108.46% |
| Core deposits to total deposits | 93.30% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 106.24% | 88.97% | $0 | $408.0M |
| Q4 2023 | 108.89% | 89.18% | $0 | $401.0M |
| Q1 2024 | 106.61% | 91.38% | $0 | $383.5M |
| Q2 2024 | 105.50% | 90.81% | $0 | $372.3M |
| Q3 2024 | 106.23% | 89.62% | $0 | $365.0M |
| Q4 2024 | 105.81% | 90.30% | $0 | $325.0M |
| Q1 2025 | 104.17% | 90.91% | $0 | $325.0M |
| Q2 2025 | 91.77% | 93.39% | $0 | $260.0M |
| Q3 2025 | 105.28% | 92.57% | $0 | $260.0M |
| Q4 2025 | 104.13% | 93.09% | $0 | $260.0M |
| Q1 2026 | 102.54% | 93.10% | $0 | $205.0M |
| Q2 2026 | 101.19% | 93.30% | $0 | $160.0M |
Avidia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Avidia Bank, freeSource: Call Report Schedules RC and RC-M, 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)