Avidia Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.72 percentage points lower than in Q1 2026, at 271.12%. 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. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Avidia Bank sits 12.99 points higher, at 101.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.26B |
| Net loans and leases | $2.24B |
| Loans held for sale | $0 |
| Loans to total assets | 81.58% |
| Loan-to-deposit ratio | 101.19% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.63% |
| Multifamily (5+ residential) | 3.47% |
| Commercial and industrial | 38.86% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 271.12% |
| Construction concentration (Tier 1 capital + allowance) | 25.98% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.31% |
| Interest income on loans | $30.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.11B | $1.98B | 23.28% | 38.64% | 0.44% |
| Q4 2023 | $2.13B | $1.96B | 24.31% | 39.11% | 0.41% |
| Q1 2024 | $2.15B | $2.01B | 23.67% | 39.71% | 0.39% |
| Q2 2024 | $2.15B | $2.04B | 23.76% | 39.54% | 0.26% |
| Q3 2024 | $2.18B | $2.05B | 24.07% | 39.55% | 0.25% |
| Q4 2024 | $2.20B | $2.08B | 23.70% | 39.29% | 0.23% |
| Q1 2025 | $2.23B | $2.15B | 24.57% | 38.67% | 0.21% |
| Q2 2025 | $2.25B | $2.45B | 25.31% | 37.84% | 0.20% |
| Q3 2025 | $2.28B | $2.16B | 24.54% | 39.12% | 0.18% |
| Q4 2025 | $2.30B | $2.21B | 24.57% | 38.91% | 0.17% |
| Q1 2026 | $2.28B | $2.23B | 24.81% | 38.88% | 0.15% |
| Q2 2026 | $2.26B | $2.23B | 24.63% | 38.86% | 0.13% |
Avidia Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Avidia Bank, freeSource: Call Report Schedule RC-C, 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)