What is Avidia Bank's financial health grade?

Avidia Bank has a TFS Financial Health Grade of D (score: 66.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Avidia Bank have?

Avidia Bank has 10 branch locations across the United States.

Is Avidia Bank FDIC insured?

Yes, Avidia Bank is FDIC insured (Certificate #90215).

What are the total assets of Avidia Bank?

Avidia Bank has total assets of $2.8B as reported in its most recent FDIC filing.

Avidia Bank

BankHudson, Massachusetts

www.avidiabank.com

Total Assets

$2.8B

Total Deposits

$2.2B

Branches

Established

1869

TFS Health Grade

66.5 / 100

Below average financial health

How we grade

Avidia Bank is a bank headquartered in Hudson, Massachusetts, established in 1869. With $2.8B in total assets and 10 branch locations, it has a TFS Financial Health Grade of D (66.5/100).

Capital & Safety

Tier 1 Capital Ratio

11.90%(8%)

Total Capital Ratio

15.85%(10%)

Non-Performing Loan Ratio

0.88%

Profitability

Return on Assets (ROA)

0.18%(1%)

Return on Equity (ROE)

1.93%(10%)

Net Interest Margin

3.35%

Efficiency Ratio

73.60%(60%)

Lending & Liquidity

Total Loans

$2.3B

Loan-to-Deposit Ratio

103.13%

Net Charge-Off Ratio

0.95%

Growth

Asset Growth (YoY)

+6.41%

Deposit Growth (YoY)

+6.15%

Net Income

$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Avidia BankHQ	42 Main St	Hudson	MA	11
Avidia Bank	1073 Main St	Clinton	MA	11
Avidia Bank	270 Cochituate Rd	Framingham	MA	11
Avidia Bank	196 Washington St	Hudson	MA	11
Avidia Bank	17 Pope St	Hudson	MA	11
Avidia Bank	470 Lancaster St	Leominster	MA	11
Avidia Bank	256 Maple St	Marlborough	MA	11
Avidia Bank	53 W Main St	Northborough	MA	11
Avidia Bank	23 Maple Ave	Shrewsbury	MA	11
Avidia Bank	100 E Main St	Westborough	MA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.