Avidia Bank (FDIC certificate #90215) is based in Hudson, Massachusetts. Its Q2 2026 call report shows $2.8B in total assets and $2.2B in deposits and 10 offices.
Avidia Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 36th. Problem-loan coverage contributes the most (91/100, 4.7%); funding & liquidity contributes the least (33/100, 100% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 21 points (46 → 67), mostly because the earnings component improved by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 55 |
| Q4 2024 | 56 |
| Q1 2025 | 43 |
| Q2 2025 | 46 |
| Q3 2025 | 55 |
| Q4 2025 | 57 |
| Q1 2026 | 66 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.28% |
| Q3 2024 | 8.32% |
| Q4 2024 | 8.39% |
| Q1 2025 | 8.01% |
| Q2 2025 | 8.00% |
| Q3 2025 | 11.41% |
| Q4 2025 | 11.90% |
| Q1 2026 | 11.89% |
| Q2 2026 | 12.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.75% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.48% |
| Q1 2025 | -1.69% |
| Q2 2025 | -0.52% |
| Q3 2025 | -0.04% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $2.8B | 12.37% | 0.75% | 0.98% | 100.1% |
| Q1 2026 | 66 | $2.8B | 11.89% | 0.60% | 0.89% | 101.5% |
| Q4 2025 | 57 | $2.8B | 11.90% | 0.88% | 0.18% | 103.1% |
| Q3 2025 | 55 | $2.8B | 11.41% | 0.77% | -0.04% | 104.2% |
| Q2 2025 | 46 | $3.0B | 8.00% | 0.50% | -0.52% | 90.8% |
| Q1 2025 | 43 | $2.7B | 8.01% | 0.53% | -1.69% | 103.2% |
| Q4 2024 | 56 | $2.7B | 8.39% | 0.20% | 0.48% | 104.8% |
| Q3 2024 | 55 | $2.7B | 8.32% | 0.20% | 0.44% | 105.2% |
| Q2 2024 | 55 | $2.7B | 8.28% | 0.21% | 0.49% | 104.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Westfield BankBank Westfield, MA | 62 out of 100, Moderate | $2.7B | 9.4% | 0.35% | vs |
| BayCoast BankBank Swansea, MA | 46 out of 100, Below average | $2.9B | 8.3% | 1.45% | vs |
| Dedham Institution for SavingsBank Dedham, MA | 59 out of 100, Moderate | $2.6B | 11.4% | 1.15% | vs |
| Cornerstone BankBank Spencer, MA | 60 out of 100, Moderate | $2.6B | 9.2% | 0.35% | vs |
| South Shore BankBank South Weymouth, MA | 65 out of 100, Moderate | $2.5B | 10.1% | 0.24% | vs |
| UniBank for SavingsBank Whitinsville, MA | 62 out of 100, Moderate | $3.1B | 8.8% | 0.62% | vs |
Deposit insurance
Is my money safe at Avidia Bank?
Yes. Avidia Bank is an FDIC-insured institution (FDIC certificate #90215). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.2% of deposits ($874.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.61% (benchmark: 10%).
10 locations
Branches
Avidia Bank lists 10 offices in 8 cities. Most locations:
- Hudson, MA (3)
- Clinton, MA (1)
- Framingham, MA (1)
- Leominster, MA (1)
- Marlborough, MA (1)
- Northborough, MA (1)
- Shrewsbury, MA (1)
- Westborough, MA (1)
HMDA 2025
Mortgage lending
In 2025, Avidia Bank reported 233 home-loan applications under HMDA (LEI 549300SZBQMYMAL3OM08): 187 originated ($102,145,000 total), 21 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Avidia Bank
- Former names
- Hudson Savings Bank
- Type
- SI
- FDIC certificate #
- 90215
- RSSD ID
- 619701
- Primary regulator
- FDIC
- Holding company
- Avidia Bcorp Inc
- Established
- February 26, 1869
- Headquarters
- 42 Main St, Hudson, MA 01749
- Website
- www.avidiabank.com
- Employees
- 244
Quick answers
Avidia Bank: common questions
Is Avidia Bank FDIC insured?
Yes. Avidia Bank is an FDIC-insured institution (FDIC certificate #90215). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Avidia Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Avidia Bank ever failed?
There is no failure record for FDIC certificate #90215 in the FDIC failed bank list.
How many branches does Avidia Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hudson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Attleboro M E Federal Credit UnionCredit union Attleboro, MA | 90 out of 100, Very strong | $24.6M | 13.7% | 0.13% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |