Avidia Bank: how it compares with its peers
Against 28 MA banks with half to twice its assets, Avidia Bank's strongest measure in Q2 2026 is return on assets (0.98% vs. a 0.68% peer median). Its weakest relative measure is efficiency ratio (65.25% vs. 69.80%).
| Measure | Avidia Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 0.68% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.02% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.25% | 69.80% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.4M | $10.5M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.12% | 96.09% | Context |
What it means for lending operations
Its efficiency ratio of 65.25% is better than the 69.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Westfield Bank Westfield, MA · $2.73B
- BayCoast Bank Swansea, MA · $2.86B
- Dedham Institution for Savings Dedham, MA · $2.60B
- Cornerstone Bank Spencer, MA · $2.57B
- South Shore Bank South Weymouth, MA · $2.52B
- UniBank for Savings Whitinsville, MA · $3.11B
Questions about Avidia Bank
How big is Avidia Bank?
Avidia Bank, established in 1869, is headquartered in Hudson, MA. It reported $2.77B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Avidia Bank's return on assets?
0.98% annualized in Q2 2026, against a 0.68% median for 28 MA banks with half to twice its assets, ahead of 86% of them.
What is Avidia Bank's efficiency ratio?
65.25% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 69.80%, and lower is better.
Is Avidia Bank growing its loans?
Net loans grew 0.5% over the year to Q2 2026, while deposits shrank 8.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.