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Avidia Bank
Hudson, MA·FDIC Cert #90215·Charter: STATE·Est. 18690226.0·HC: AVIDIA BCORP INC
Total Assets
$2.8B
Q4 2025
Return on Assets
0.18%
+0.22%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
73.60%
Peer avg: 58.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
42
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.18%+0.22
ROE
1.93%+2.44
Efficiency
73.60%-2.83
Equity/Assets
0.00%+0.00
NPL Ratio
0.89%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
103.13%-1.03
Charge-offs
0.95%-0.10
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.5 | 0.4 | 0.5 | -1.7 | -0.5 | -0.0 | 0.2 |
| ROE | 7.6 | 6.2 | 5.6 | 6.0 | -21.3 | -6.8 | -0.5 | 1.9 |
| Efficiency | 80.8 | 81.4 | 80.1 | 78.3 | 91.7 | 83.0 | 76.4 | 73.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.5 | 0.5 | 0.8 | 0.9 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 3.1 | 1.5 | 1.1 | 1.0 |
| Loan/Deposit | 105.6 | 104.5 | 105.2 | 104.8 | 103.2 | 90.8 | 104.2 | 103.1 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.2B
Total Loans$2.3B
Total Equity$325.5M
Profitability
ROA0.18%
ROE1.93%
Efficiency Ratio73.60%
Net Income$5.0M
Risk & Asset Quality
NPL Ratio0.89%
Charge-off Rate0.95%
Loan/Deposit103.13%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans