Avidia Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 3.7% to $8.9M. Within Massachusetts, Avidia Bank is 17th of 89 on net interest margin, 3.66% as of Q2 2026, above the middle of the field. At 3.66%, Avidia Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.31% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | 4.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.0M |
| Total interest expense | $8.9M |
| Interest expense on deposits | $6.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.57% | 1.83% | 2.86% | 4.96% | 1.99% |
| Q4 2023 | 4.64% | 1.96% | 2.80% | 5.07% | 2.13% |
| Q1 2024 | 4.71% | 1.95% | 2.89% | 5.10% | 2.17% |
| Q2 2024 | 4.84% | 1.99% | 2.98% | 5.13% | 2.99% |
| Q3 2024 | 4.92% | 2.05% | 2.97% | 5.26% | 2.79% |
| Q4 2024 | 4.88% | 2.23% | 2.83% | 5.17% | 2.91% |
| Q1 2025 | 4.81% | 1.89% | 3.03% | 5.09% | 3.00% |
| Q2 2025 | 4.89% | 1.81% | 3.23% | 5.22% | 2.95% |
| Q3 2025 | 4.96% | 1.70% | 3.48% | 5.25% | 3.06% |
| Q4 2025 | 5.07% | 1.62% | 3.61% | 5.36% | 3.15% |
| Q1 2026 | 4.95% | 1.51% | 3.59% | 5.31% | 3.08% |
| Q2 2026 | 5.00% | 1.49% | 3.66% | 5.31% | 3.27% |
Avidia Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Avidia Bank, freeSource: Call Report Schedules RI and RC-K, 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)