Avidia Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1869, Avidia Bank is among the oldest continuously operating FDIC-insured banks, headquartered in Hudson, MA, in the Greater Boston banking market. Total assets stand at $2.8B. Returns are in line with industry norms at 1.08% ROA and 8.93% ROE; net interest margin is 3.66%. Regulatory capital is solid, 15.47% CET1 and 16.61% total risk-based capital ratio. Asset quality is solid, 0.75% nonperforming loans and a 4.83% Texas Ratio. 10 branches make up the footprint.
As of June 30, 2026, Avidia Bank reported a CET1 capital ratio of 15.47%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.75%, a Texas ratio of 4.83%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 42 Main St, Hudson, MA 01749
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- February 26, 1869
- Former names
- Hudson Savings Bank (1968-2007)
- Offices
- 10 domestic
- Employees (FTE)
- 244
- Domestic deposits
- $2.23B
- Allowance for credit losses
- $23.9M
- Net charge-offs (YTD)
- -$304K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 27, 1985
- FDIC Cert
- 90215
- Fed RSSD
- 619701
- SEC CIK
- 2058758 → filed by AVIDIA BANCORP, INC.
- Website
- www.avidiabank.com →
- Parent Holding Company
- AVIDIA BANCORP, INC. (RSSD 6031006) · AVBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Cozzone Robert D | CEO | President & CEO |
| Nelson Jonathan Michael | CFO | CFO and Treasurer |
| Murphy Bartholomew H Jr | COO | EVP & Chief Operating Off |
| Karmelek Nicolas | CRO | EVP and CRO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Avidia Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Avidia Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Avidia Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.47% | 1.08% | 0.75% | 4.83% | 3.66% |
| Q1 2026 | 15.18% | 0.89% | 0.74% | 4.92% | 3.59% |
| Q4 2025 | 14.82% | 0.85% | 1.13% | 7.75% | 3.61% |
| Q3 2025 | 14.97% | 0.89% | 1.10% | 7.57% | 3.48% |
| Q2 2025 | 10.27% | 0.60% | 1.07% | 10.68% | 3.23% |
| Q1 2025 | 10.09% | -1.69% | 0.70% | 7.12% | 3.03% |
| Q4 2024 | 10.78% | 0.57% | 0.64% | 6.19% | 2.83% |
| Q3 2024 | 10.56% | 0.35% | 0.66% | 6.29% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Avidia Financial Center | Hudson , MA | 01749 | $1.27B |
| Westborough Branch | Westborough , MA | 01581 | $239.0M |
| Marlborough Branch | Marlborough , MA | 01752 | $129.9M |
| Northborough Branch | Northborough , MA | 01532 | $129.7M |
| Leominster Branch | Leominster , MA | 01453 | $108.1M |
| Clinton Branch | Clinton , MA | 01510 | $98.9M |
| Hudson South Branch | Hudson , MA | 01749 | $92.5M |
| Framingham Branch | Framingham , MA | 01701 | $84.1M |
| Shrewsbury Branch | Shrewsbury , MA | 01545 | $80.9M |
| Avidia Bank (main office) | Hudson , MA | 01749 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 25, 2007 | Structure Change | Acquired Westborough Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Avidia Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MA, rank 24 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 245 applications, 187 loans originated, $102.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Avidia Bank
What are Avidia Bank's total assets?
As of the Q2 2026 filing, Avidia Bank reported total assets of $2.77 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Avidia Bank headquartered?
Avidia Bank is headquartered in Hudson, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Avidia Bank founded?
Avidia Bank was established in 1869, per the FDIC institution directory.
Is Avidia Bank FDIC-insured?
Yes. Avidia Bank is an FDIC-insured commercial bank (FDIC Certificate #90215). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Avidia Bank?
Avidia Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Avidia Bank's CET1 capital ratio?
Avidia Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Avidia Bank operate?
Avidia Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Avidia Bank's Texas Ratio?
Avidia Bank's Texas Ratio is 4.83% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Avidia Bank previously called?
The charter now named Avidia Bank has also operated as Hudson Savings Bank (1968-2007), per FDIC structure-change records.
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