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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Avidia Bank

Hudson, Massachusetts · $2.77B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

22.1%
CRE / loans
1st of 12
0.99%
ROA
1st of 12
136.6%
CRE / capital
1st of 12

Avidia Bank is the second largest of the 12 Massachusetts banks nearest its size between $1B and $3B, with $2.77B in assets at 30 June 2026. Loans are 101.2% of deposits, 10th of 12 against a median of 93.1%, and equity is 12.2% of assets, 3rd of 12. Loans grew +0.5% in the year, 9th of 12, and deposits fell 8.9%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.75% of the book, 7th of 12 against a median of 0.74%; 0.12% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 22.1% of loans, the lowest in the cohort against a median of 36.6%, and 137% of capital, below the 300% screen, with construction at 26% against the 100% screen.

Return on assets is 0.99%, the highest in the cohort against a median of 0.71%, on an efficiency ratio of 65.3%, 2nd of 12. Five years ago it was 0.91%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 36.6% AB Avidia Bank 22.1% FR Fall River Five Cents Savings Bank 27.5% VB Village Bank 28.0% CB Cornerstone Bank 30.9% FB Florence Bank 31.4% BB Baycoast Bank 35.2% B Bankesb 38.0% DI Dedham Institution for Savings 38.7% WB Westfield Bank 39.9% SS South Shore Bank 44.4% CB Country Bank for Savings 54.9% LF Lowell Five Cent Savings Bank 58.1%
Loans, year over yearMA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% CB Cornerstone Bank +38.0% LF Lowell Five Cent Savings Bank +9.0% SS South Shore Bank +7.7% FB Florence Bank +6.6% WB Westfield Bank +4.8% CB Country Bank for Savings +4.6% VB Village Bank +3.4% DI Dedham Institution for Savings +2.5% AB Avidia Bank +0.5% FR Fall River Five Cents Savings Bank -2.0% BB Baycoast Bank -4.4% B Bankesb -6.2%

SBA 7(a), FY2008 to FY2026

Avidia Bank is the 15th largest 7(a) lender into Massachusetts of 309, with $97M across 195 loans, 1.5% of everything approved in the state (Eastern Bank leads with $778M). 19 of its 26 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Worcester, MA$46M4th of 1406.2%+1.3 pts
Middlesex, MA$29M14th of 1901.9%-1.4 pts
Suffolk, MA$6M24th of 1300.9%+0.4 pts
New London, CT$6M7th of 614.0%quiet FY2019
Essex, MA$5M33rd of 1290.6%quiet FY2022
Norfolk, MA$4M48th of 1450.5%+0.4 pts
Capitol, CT$3M41st of 1010.6%thin
Plymouth, MA$3M41st of 1070.5%-0.3 pts
Merrimack, NH$2M20th of 621.3%quiet FY2018
Southeastern Ct, CT$2M10th of 433.0%quiet FY2019
Hampden, MA$2M28th of 830.8%quiet FY2019
Lake, FL$2M54th of 1110.5%quiet FY2019
Lower Ct River Vly, CT$2M19th of 411.7%quiet FY2015
13 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing28$22M18.0%0.06%285th of 2,246
Health care & social assistance36$17M13.6%0.03%288th of 2,172
Accommodation & food services37$12M10.1%0.02%512th of 2,596
Arts, entertainment & recreation12$12M9.7%0.08%192nd of 1,656
Retail trade25$11M9.0%0.02%459th of 2,589
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Avidia Bank
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans AB Avidia Bank 1.5% $97M · 195 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Avidia BankRankCohort median
Total CRE against capital, the 300% screen137%1st of 12270%
Construction against capital, the 100% screen26%5th of 1241%
Construction and land development, share of loans4.2%5th of 125.8%
Non-owner-occupied nonfarm nonresidential, share of loans14.4%2nd of 1222.4%
Total CRE, the guidance definition, share of loans22.1%1st of 1236.6%
CRE growth over 36 months, the third prong+12.6%6th of 12+15.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Baycoast Bank$2.86B0.5%84.8%1.45%0.12%1.2%91.7%9.0%
Avidia Bank$2.77B1.0%65.3%0.75%-0.03%1.1%101.2%12.2%
Westfield Bank$2.73B0.7%68.2%0.35%0.17%0.9%91.3%9.3%
Dedham Institution for Savings$2.60B0.9%73.2%1.15%0.00%0.7%98.9%11.2%
Cornerstone Bank$2.57B0.6%83.5%0.35%0.04%0.4%99.8%8.8%
South Shore Bank$2.52B0.7%69.1%0.24%0.00%0.9%76.8%9.6%
Country Bank for Savings$2.24B0.8%70.0%1.14%0.00%1.0%101.6%14.2%
Village Bank$2.07B0.5%75.9%0.23%0.00%0.5%94.5%8.5%
Bankesb$2.02B0.5%69.6%1.67%0.08%1.2%91.2%9.7%
Florence Bank$2.01B0.7%68.3%0.46%0.01%0.7%71.5%10.7%
Lowell Five Cent Savings Bank$1.90B0.8%61.7%1.03%0.01%1.3%90.2%12.3%
Fall River Five Cents Savings Bank$1.86B0.4%83.5%0.73%-0.02%0.7%105.2%7.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Avidia BankCohort median
20212026Change20212026Change
Loans$1.61B$2.26B+40%$1.18B$1.73B+46%
Deposits$1.99B$2.23B+12%$1.52B$1.87B+23%
NPA / loans0.67%0.75%+0.07 pts0.34%0.74%+0.40 pts
Efficiency76.5%65.3%-11.3 pts67.2%69.8%+2.6 pts
ROA0.91%0.99%+0.08 pts0.92%0.71%-0.21 pts

This read was prepared for Avidia Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Avidia Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $1B to $3B
Institution www.avidiabank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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