BlastPoint's Banking Scorecard
Avidia Bank
Community
Specialty: Commercial
MA
FDIC cert 90215
Hudson, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Avidia Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.99% below tier
- - Loan-to-Deposit Ratio 20.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+6.4% YoY
+1.8% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.3B
+4.5% YoY
+1.1% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.2B
+6.2% YoY
+2.1% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.18%
-62.6% YoY
+502.5% QoQ
|
-0.99% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.35%
+12.0% YoY
+2.4% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
73.60%
-6.0% YoY
-3.7% QoQ
|
+10.96% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.89%
+345.7% YoY
+13.4% QoQ
|
+0.26% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
103.13%
-1.6% YoY
-1.0% QoQ
|
+20.07% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.08%
+13.5% YoY
+1.1% QoQ
|
-0.97% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.71%
+337.6% YoY
+12.5% QoQ
|
+0.21% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
14.82%
+37.5% YoY
-1.0% QoQ
|
+4.58% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.62%
-10.0% YoY
+25.4% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 1.16%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
103.13%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
75
75th pctile
Tier 1 Capital Ratio
Current: 14.82% · Tier avg: 10.24%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 21.05%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
20
20th pctile
Efficiency Ratio
Current: 73.60% · Tier avg: 62.63%
9
9th pctile
Loan-to-Deposit Ratio
Current: 103.13% · Tier avg: 83.06%
4
4th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.16%
Top Weaknesses
4
4th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.16%
9
9th pctile
Loan-to-Deposit Ratio
Current: 103.13% · Tier avg: 83.06%
20
20th pctile
Efficiency Ratio
Current: 73.60% · Tier avg: 62.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 21.05%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.82% · Tier avg: 10.24%
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M