# AVIDIA BANK
HUDSON, MA · FDIC certificate 90215 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.77B | |
| Deposits | $2.23B | |
| Loans and leases | $2.26B | |
| Total equity | $337.9M | |
| Loans / deposits | 100.12% (p86 of band) | 87.10% |
| Liquid assets / assets | 14.32% (p19 of band) | |
| Uninsured deposits / deposits | 39.16% (p71 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.77% (p49 of band) | |
| FHLB advances / assets | 5.77% | |
| Tier 1 leverage | 12.37% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -5.58% (p60 of band) | -7.75% |
| AOCI / equity | -0.40% (p42 of band) | |
| ROA (annualized) | 0.98% (p29 of band) | 1.26% |
| Net interest margin | 3.67% (p48 of band) | 3.70% |
| Efficiency ratio | 65.25% (p69 of band) | |
| Noncurrent loans | 0.75% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | -0.02% (p3 of band) | |
| Reserve coverage of noncurrent | 141.46% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 27.99% (p28 of band) | |
| Auto loans | $1.3M (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -8.9% | |
| Employees | 244 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | leverage <7% |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | wholesale funding >15% |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | uninsured deposits leaving |  |
| 2014-06 | 3 |  | uninsured deposits leaving |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 4 | capital falling, charge-offs p90 |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 4 | brokered >10% |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | loans exceed deposits |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | expense ratio p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 6 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2020-06 | 5 | capital falling | losing money, charge-offs p90 |
| 2020-09 | 4 |  | reserve under noncurrent |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 | capital falling | wholesale funding >15%, brokered >10% |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | securities losses >30% of equity |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | deposits shrinking |  |
| 2023-03 | 5 | loans exceed deposits, wholesale funding >15%, capital falling | expense ratio p90 |
| 2023-06 | 3 |  | securities losses >30% of equity, capital falling |
| 2023-09 | 3 | securities losses >30% of equity | deposits shrinking |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2025-06 | 4 | capital falling | loans exceed deposits |
| 2025-09 | 3 | loans exceed deposits | expense ratio p90, capital falling |
| 2025-12 | 2 |  | losing money |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 3 | deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-29 [Avidia Bancorp, Inc. Reports Fourth Quarter and Annual 2025 Financial Results, Declares Quarterly Cash Dividend - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOYWwxVV9OUUI2V0dlTExyNno2M3ZHdzhTSWRQQktsMGx0ZERZc1dxcVBkQVVWUEtuMk5ZX1dMWUpOWXpHN3VFdVlJMXY0SkNPcEEtQV9jY3lkbHA4WjMyRDhjSDBoamQ2T3dEczc5dlFYY2xHTUdVQl9aZ01GYU9UQ3BtZVM5b1ptRjFiMXV6VjBmaE1rWU9yVktvU0d3VVVQNGVrWHFFRVJuNU1UWFg5TEtLYlpWWVUtTlJ2QkZKUGdVWFdQTnRNTU1IcFZwZXkzNC1JYWtfTUxoYTNyTGNIUEdTeGhGSHNqNzNYM09TUElDSy1obllBdmVR?oc=5) · Business Wire
- 2026-08-13 [Avidia Bank Unifies Banking Operations on Creatio, Achieving 86% Employee Adoption in Six Months - EIN News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPcHdWb3loSmdRbC1QVm8yMlNSUkdNbXV6LTdreW04STYtUkVlb0d1OEViYXpWTVNLdlBCRUxDY2lhN1RLM2dSSEpyaHpsaHpZS1JEVEx4RDkxTnJRQTh4TWRtdU9hOVhSbmFfOWlZR0JGcU5PM3E0WUFjRk5jVTY4NnlXYVBsT3ZueENyRzlIMUZ0Q29UZEFqVUpaTFZfa3R2NWlmZXB4d3ZHY05ScUZ0dTFlWFUyQS1ZMXh1dUVHNXVCRk1TRjVJbDMydjl4eVdQOXc?oc=5) · EIN News
- 2026-07-01 [Westborough Bank Celebrates Reopening After Renovation - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTW9KeHVpWmdCZFQ5Ui1iVkdSc0pOd2FRVUx6dmVOOWZwamhmMTNMMFhseEI5RkthcVNtbXBPZVBPVTdDYm1uT09fQmJfTXF5OWNBaWpkUjQ3QlZFQ09FUThxR25GWkFRd3loeDY3ZjRNakhQanFGelA0TFIxcFc1dTRoM3JuWmllMHgxY2NKaS1OOXJ6VTEtWW5LZVA4dHM?oc=5) · Patch
- 2025-07-11 [Avidia Bank completes $192M offering in effort to go public on New York Stock Exchange - wbjournal.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOdWV5NHZacXpvVVBVTTJ4N2JhTS1rekptRzlDTGdCeE52eUV2bWx0d3J4VmlaZ0ZGai1yQXJVQjJYaWZabXUxcVB6a196dVU2TUJqNm1rSENkSzJ1Qjhsak51SnhjLS04VTdLMW53Rm53N0lIRVJCa0dXMzVyaHB0NEFOWDNYVkFiWmxXQ3Q4d0tUaWxxeWdqVzk2eTdOUmM2b3dTMWhIOHZFdU1RUDNvb1FSZzhIQW8?oc=5) · wbjournal.com
- 2025-07-27 [Avidia Bank sets date to go public on NYSE - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxORFh4dXBmRHJiMTJyT1VMM0xYcWJpckxxcXhramloazFzWi1XSDZnakpFT25XY0kxa0hDS05LRmx3SXJFMzZUSXZlV0NGbHQyeWUxMkszaFRlRjQ0WVM0THVCeFlzdkdGcHJlM0N6djVjSldZTUlNaU0xd0dDdlhUYlpyRW96aU1IdEE?oc=5) · The Business Journals
- 2025-08-18 [Avidia Bank Could Lose $17M on Medford Lab Project - Banker & Tradesman](https://news.google.com/rss/articles/CBMijAFBVV95cUxOLTE0dDhPYWw1aG9mQVNQb19EQmVHckpQcVNUdl8wTHVCRzZfeUE1U2VBOE5YM3Jpb0RNMHJsSUJjYXFBaDIyRmFJY0k4YUZHYUlTT2dnQzNUNFF1bUxmcEkySEx4aHNlNGgzODcxM1lUQnRObjBfb003VmZHUkJxaTdkaWxxQ0dxMXlJdA?oc=5) · Banker &amp; Tradesman
- 2025-07-31 [Avidia Bancorp, Inc. Closes Initial Public Offering - Yahoo Finance](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZDdSMll3aXJmaTBDcEg1Um1GazBULUZwQXBuUWVhcy1uTHMxVkp0ZWtpMDVEN1RWVG8xVzZSODJnd2lFN0d5UzRkRDRXUHpUY0Z3T1NEeUEzTVpWX2h3R05mUl81S1BWM2s5SFU5cl8wS2h4eXpEcHZOQ3RlbWhOc0llUnVRdw?oc=5) · Yahoo Finance
- 2025-03-04 [Silva joins Avidia Bank as new business banking officer - communityadvocate.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPMlpCX0ZaRnZrV1dwblF5WkprWVJxSUQxcW5qS3JmMkFla3lyTlpGU1FSMnN4WE1FdjZNeXVieDZ0Q1Y0cDVhZEk3a0dMd2dadzBmY2lHRHhmY3BQZVpwWnM5eXVmdThOTUNra2VHYnFHT3VzeUxIUVZTQ25ETEwxc2dKREJRMW9mY29DbFBrYW9IcmFkSnRaY3JmRFI1bEp5S293ZmlYR1R6N0lua0RfWVM3VzlhU1BDZldiNFVnZEIxZG5fWTVqQnlaeWYxcDAzVl92NGRudXNwX3lsX2VV?oc=5) · communityadvocate.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90215 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "90215", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide