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BDI
AB

Avidia Bank

Hudson, MassachusettsFDIC Cert #90215

STATEEstablished 186910 branches

Holding company: AVIDIA BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$239M
Investor CRE$328M
Multifamily$79.7M
Construction$98.9M
1–4 family$631M
C&I$888M
Agriculture$355K
Other$19.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$2.28B
+2.2%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSGR
Net loans
$2.26B
+2.2%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
Loans YoY
+2.23%
−44.8%y/y
Percentile by value35th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
L/D
101.5%
−1.6%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + DEP
Loans/assets
80.7%
−1.2%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + ASSET
RE loans %
63.76%
+2.1%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
142%
−27.0%y/y
Percentile by value35th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
28%
−27.1%y/y
Percentile by value48th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,633points
+0.7%y/y
Peer standing60th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
10.44%
−4.8%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
14.36%
+5.6%y/y
Percentile by value48th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROT + LNLSGR
C&I %
38.88%
+0.5%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNCI + LNLSGR