Avidia Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.00 percentage points higher than in Q1 2026, at 141.46%. Avidia Bank ranks 20th of 89 Massachusetts banks on return on assets, in the upper half at 1.08% (Q2 2026). Avidia Bank reported 1.08% on return on assets for Q2 2026, 0.20 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.61% |
| Tier 1 leverage ratio | 12.37% |
| Equity capital to assets | 12.19% |
| Tangible equity to tangible assets | 11.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.75% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 4.83% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 141.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 8.93% |
| Net interest margin | 3.66% |
| Efficiency ratio | 64.34% |
| Yield on earning assets | 5.00% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.19% |
| Core deposits to total deposits | 93.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.62% |
| Securities to assets | 11.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.14% | 10.14% | 11.17% | 8.10% | 0.46% |
| Q4 2023 | 10.34% | 10.34% | 11.40% | 8.17% | 0.51% |
| Q1 2024 | 10.45% | 10.45% | 11.53% | 8.31% | 0.59% |
| Q2 2024 | 10.57% | 10.57% | 11.64% | 8.28% | 0.38% |
| Q3 2024 | 10.56% | 10.56% | 11.67% | 8.32% | 0.35% |
| Q4 2024 | 10.78% | 10.78% | 11.87% | 8.39% | 0.57% |
| Q1 2025 | 10.09% | 10.09% | 11.18% | 8.01% | -1.69% |
| Q2 2025 | 10.27% | 10.27% | 11.41% | 8.00% | 0.60% |
| Q3 2025 | 14.97% | 14.97% | 16.14% | 11.41% | 0.89% |
| Q4 2025 | 14.82% | 14.82% | 15.85% | 11.90% | 0.85% |
| Q1 2026 | 15.18% | 15.18% | 16.26% | 11.89% | 0.89% |
| Q2 2026 | 15.47% | 15.47% | 16.61% | 12.37% | 1.08% |
Avidia Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Avidia Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)