FDIC Cert #90215 · Hudson, Massachusetts · Est. 1869

Avidia Bank - FDIC Bank Health Profile

A community-scale look at Avidia Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.8B
Total assets
C
Health grade · Fair
0.18%
Return on assets
14.8%
Tier 1 capital

Data updated July 2026

The verdict

Avidia Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 14.82% Tier 1, 0.18% ROA, 74% efficiency ratio.

#451
largest of 4,313 FDIC banks by assets
90th
percentile by asset size, nationally
14.82%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 90215 · MA C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3607/4307
  • PHOTO-FINISH Waterfall Bank · FL
  • TIER1-WELL 14.8% Tier 1
  • TEXAS-CLEAN 5.8% Texas
  • ROA-THIN 0.18% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Waterfall Bank, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Avidia Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Avidia Bank · MA · this bank62/100Hanover Community Bank · NY …62/100Hyperion Bank · PA · near62/100The First Bank of Gr… · CT ·…62/100Waterfall Bank · FL · near62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Avidia Bank · July 2026

Plate reading for Avidia Bank where failures stay rare

Avidia Bank (FDIC Cert #90215) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,607 of 4,307. Tier 1 capital prints at 14.82%, clearing the 10% well-capitalized line. The Texas Ratio is 5.81%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.18%. Balance-sheet scale is $2.8B, 451st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Waterfall Bank (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Avidia Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Avidia Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Avidia Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Avidia Bank's composite health score
Tier 1 Capital Ratio (14.82%) 35/40
Return on Assets (ROA) (0.18%) 7/25
Texas Ratio (5.81%) 16/20
Efficiency Ratio (73.60%) 4/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.8B

Total balance-sheet footings

Total Deposits

$2.2B

Customer-funded liabilities

Net Loans

$2.3B

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.42% 14.82% 16.22%
Basel III capital ratios - Avidia Bank

Where Avidia Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Avidia Bank's score of 62/100 falls in the highlighted band.

Avidia Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 16th percentile higher than 16% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Avidia Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Avidia Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Avidia Bank's $2.8B falls in the highlighted band.

Safety metrics: Avidia Bank

Tier 1 capital ratio
Well-capitalized 10%

14.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.82%
Texas Ratio
5.81%
Equity Capital
$326M

What these ratios mean →

Profitability metrics: Avidia Bank

Return on Assets (ROA)
8th percentile nationally
0.18%
Return on Equity (ROE)
1.93%
Efficiency Ratio
73.60%

What these mean →

Income & expense at Avidia Bank

$131M
Interest Income
$17M
Non-Interest Income
$78M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Avidia Bank reports a Texas Ratio of 5.81% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.81% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Avidia Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.8B here), outside Massachusetts so the neighborhood is not state containment.

Investar Bank $2.8B · LA Wells Fargo Bank South Central $2.8B · TX West Texas National Bank $2.8B · TX Amboy Bank $2.8B · NJ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Avidia Bank (FDIC Cert #90215) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Avidia Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%