Avidia Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Avidia Bank of Hudson, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.08% | 1.46% | -0.38% | 35th below |
| ROAE | 8.93% | 12.72% | -3.79% | 25th below |
| Net Interest Margin | 3.66% | 3.85% | -0.19% | 46th below |
| Efficiency Ratio | 64.34% | 57.40% | +6.94% | 33rd below |
| PPNR / Avg Assets | 1.56% | 1.88% | -0.32% | 40th below |
| Yield on Earning Assets | 5.00% | 5.72% | -0.72% | 20th bottom |
| Cost of Funds | 1.49% | 2.02% | -0.53% | 81st top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.75% | 1.00% | -0.25% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.76% | -0.15% | 42nd below |
| NCO / Avg Loans | -0.07% | 0.43% | -0.50% | 98th top |
| ACL / Total Loans | 1.06% | 1.31% | -0.25% | 37th below |
| ACL / NPLs (Coverage) | 141.46% | 543.79% | -402.33% | 42nd below |
| Texas Ratio | 4.83% | 7.39% | -2.56% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 17.34% | -1.87% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 17.37% | -1.90% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.61% | 18.42% | -1.81% | 75th top |
| Leverage Ratio | 12.37% | 11.44% | +0.93% | 80th top |
| Equity / Assets | 12.19% | 11.33% | +0.86% | 77th top |
| TCE / Tangible Assets | 11.81% | 10.50% | +1.31% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.19% | 86.94% | +14.25% | 15th bottom |
| Core Deposit Ratio | 93.30% | 85.55% | +7.75% | 76th top |
| Uninsured Deposit Ratio | 39.16% | 33.12% | +6.04% | 29th below |
| Wholesale Funding Ratio | 5.77% | 5.70% | +0.07% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.20% | 9.70% | -15.90% | 3rd bottom |
| Loan Growth (Y/Y) | 0.50% | 8.06% | -7.56% | 19th bottom |
| Deposit Growth (Y/Y) | -8.86% | 7.89% | -16.75% | 2nd bottom |
See Avidia Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Avidia Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Avidia Bank profile, how to read a UBPR, or how this data updates.