Avidia Bank
Hudson, MA
IDRSSD: 619701
Total Assets
$2.78B
Latest filing
Total Deposits
$2.16B
Latest filing
Net Interest Margin
3.50%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Avidia Bank
42 Main St
Hudson, MA 01749
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/26/1869FDIC Certificate 17806
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Avidia Bank (Main) | 42 Main St | Hudson, MA |
| WESTBOROUGH BRANCH | 100 E Main St | Westborough, MA |
| HUDSON SOUTH BRANCH | 196 Washington St | Hudson, MA |
| MARLBOROUGH BRANCH | 256 Maple St | Marlborough, MA |
| NORTHBOROUGH BRANCH | 53 W Main St | Northborough, MA |
| SHREWSBURY BRANCH | 23 Maple Ave | Shrewsbury, MA |
| CLINTON BRANCH | 1073 Main St | Clinton, MA |
| LEOMINSTER BRANCH | 470 Lancaster St | Leominster, MA |
Showing 7 of 9
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 02/26/1869 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01749 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 252 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 11/27/1985 |
| Primary Insurance Agency | DIF |
| Website | www.avidiabank.com |
| Data Updated | 11/14/2025 |
| CERT | 90215 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.78B |
| Total Deposits | $2.16B |
| Total Liabilities | $2.46B |
| Total Equity Capital | $318.09M |
| Net Income | $6.28M |
| Net Loans and Leases | $2.25B |
| Assets Per Employee ($Millions) | $11.31M |
| Bank Premises and Fixed Assets | $29.08M |
| Cash and Balances due from Depository Institutions | $111.87M |
| Deposits Held in Domestic Offices | $2.16B |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 9.43% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 64.81% |
| Tier 1 Risk-Based Capital Ratio | 14.967% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.435% |
| Earning Assets to total Assets | 94.83% |
Income and Expense
| Total Interest Income | $33.85M |
| Total Noninterest Income | $4.47M |
| Total Interest Expense | $10.10M |
| Total Noninterest Expense | $18.30M |
| Net Interest Income | $23.76M |
| Pre-tax Net Operating Income | $8.39M |
| Provision for Credit Losses | $1.54M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $260.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $35.14M |
| Total Liabilities and Capital | $2.78B |
Securities
| Securities | $283.44M |
| Available-for-sale debt securities | $266.42M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $15.75M |
| Subordinated Debt | $0 |
| Trading Account Assets | $5.83M |
| Trading Liabilities | $6.23M |
Frequently Asked Questions
What are the total assets of Avidia Bank?
$2.78B as of the latest filing.
How much are Avidia Bank's total deposits?
$2.16B in total deposits.
Where is Avidia Bank located?
Hudson, MA.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
10.
When was it established?
02/26/1869.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$2.25B (latest filing).
What is the total interest income (latest filing)?
$33.85M.