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AVBC on NYSE

Avidia Bancorp, Inc.

Avidia Bancorp, Inc. is a savings institutions company based in Hudson, listed on NYSE (AVBC).1

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Last updated Oct 21, 2026.

Overview

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  • TickerAVBC on NYSE1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersHudson, Massachusetts1
  • Business address42 Main Street, Hudson, Ma 017492
  • Filer category, Emerging growth company2

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These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income5-$3.3M in 2025
-$5.0M0$5.0M$10.0M$15.0M2024: $11.5M$11.5M20242025: -$3.3M-$3.3M2025

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
Loans, including fees$117.5M$111.5M
Securities$10.3M$10.2M
Other$2.7M$1.9M
Total interest and dividend income$130.6M$123.7M
Deposits$29.6M$32.9M
Federal Home Loan Bank advances$13.1M$16.3M
Subordinated debt$1.4M$1.3M
Total interest expense$44.0M$50.5M
Net interest income$86.5M$73.3M
Credit loss expense - loans$21.7M$2.1M
Credit loss reversal - off-balance sheet credit exposures-$305.0K-$324.0K
Net interest income, after credit loss expense (reversal)$65.1M$71.5M
Customer service fees$3.6M$3.6M
Net loss on sale of securities available for sale-$837.0K-$4.2M
Net recognized gain on equity securities$2.6M
Payment processing income$7.8M$7.5M
Income on bank-owned life insurance$1.1M$927.0K
Mortgage banking income$402.0K$1.6M
Investment commissions$1.4M$1.4M
Other$3.5M$3.6M
Total non-interest income$17.0M$17.0M
Salaries and employee benefits$39.7M$34.7M
Occupancy and equipment$6.3M$8.3M
Data processing$13.2M$10.1M
Professional fees$3.4M$2.3M
Payment processing$2.9M$4.2M
Deposit insurance$2.3M$2.5M
Advertising$1.4M$1.4M
Telecommunications$360.0K$383.0K
Problem loan and foreclosed real estate, net$731.0K$349.0K
Charitable contribution expense$10.0M
Other general and administrative$7.5M$8.8M
Total non-interest expense$87.8M$73.1M
(Loss) income before income tax (benefit) expense-$5.7M$15.4M
Income tax (benefit) expense-$2.4M$3.9M
Net (loss) income-$3.3M$11.5M
Basic-$0.18
Diluted-$0.18
Basic18.5M shares
Diluted18.5M shares

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Corporate structure

Avidia Bancorp, Inc. sits at the top of its group. 5 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Avidia Bancorp, Inc.

  • Avidia Bancorp, Inc. Hudson, Massachusetts
    • 42 Main Street Corporation Subsidiary · Massachusetts, United States
    • Avidia Bank Subsidiary · Massachusetts, United States
    • Eli Whitney Security Corporation Subsidiary · Massachusetts, United States
    • Hudson Security Corporation Subsidiary · Massachusetts, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Avidia Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$53.4M5 Dec 31, 2025$63.2M5 Dec 31, 2024−15.5%
Accumulated depreciation$24.2M5 Dec 31, 2025$34.7M5 Dec 31, 2024−30.2%
Property and equipment, net$29.2M5 Dec 31, 2025$28.5M5 Dec 31, 2024+2.4%
Finance-lease assets$445.0K5 Dec 31, 2025
Operating-lease assets (leased space)$5.2M5 Dec 31, 2025$6.1M5 Dec 31, 2024−15.0%

Investments

ItemLatestA year beforeChange
Marketable securities, current$129.6M5 Dec 31, 2025$46.8M5 Dec 31, 2024+176.9%
Debt securities available for sale$269.1M5 Dec 31, 2025$265.9M5 Dec 31, 2024+1.2%
Debt securities held to maturity$13.0M5 Dec 31, 2025$16.7M5 Dec 31, 2024−22.4%
Loans, net of allowance$2.3B5 Dec 31, 2025$2.2B5 Dec 31, 2024+4.6%
Deposits held (banks)$2.1B5 Dec 31, 2025$2.1B5 Dec 31, 2024+3.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$11.9M5 Dec 31, 2025$11.9M5 Dec 31, 20240%

Properties, in its own words

In addition to our headquarters facility in Hudson, we conduct our business through nine banking offices in Hudson, Marlborough, Clinton, Leominster, Westborough, Northborough, Shrewsbury, and Framingham. Including the headquarters facility, we own five offices and lease five offices. At December 31, 2025, the net book value of our premises and equipment was $29.2 million. For additional information, see note 5 to notes to consolidated financial statements.

Item 2 of the 10-K filed Mar 27, 2026.4

Leadership

Who has led Avidia Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Robert D. Cozzone2025–now

President

  1. Robert D. Cozzone2025–now

Chief operating officer

  1. Bartholomew H. Murphy Jr.2025–now
Board members and other officers (15)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • 42 Main Street Corporation (2) Massachusetts3
  • Avidia Bank (1) Massachusetts3
  • Eli Whitney Security Corporation (2) Massachusetts3
  • Hudson Security Corporation (2) Massachusetts3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Sep 16, 20268-K Shareholder vote24
  2. Sep 15, 20268-K Shareholder vote25
  3. Aug 4, 20268-K Other events26
  4. Jul 27, 20268-K Results of operations27
  5. Jun 26, 20268-K Other events28
  6. May 28, 20268-K Regulation FD disclosure29
  7. Apr 27, 20268-K Results of operations30
  8. Feb 2, 20268-K Results of operations; Other events31
  9. Nov 14, 20258-K Change of auditor32
  10. Oct 27, 20258-K Results of operations33
  11. Sep 25, 20258-K Executive or director change34
  12. Aug 4, 20258-K Results of operations35
  13. Jul 31, 2025New chief executive Robert D. Cozzone becomes CEO8

Calendar

Coming up

  1. Oct 22, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported ($0.05) a share, on Oct 23, 2025.36

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results27
  2. Apr 27, 2026Reported quarterly or annual results30
  3. Feb 2, 2026Reported quarterly or annual results31
  4. Oct 27, 2025Reported quarterly or annual results33
  5. Aug 4, 2025Reported quarterly or annual results35

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

158 filings to the SEC since October 2021: 1 annual reports, 5 quarterly reports, 16 major events, 115 insider forms, 3 large holders, 18 other. The latest 20:

  1. Oct 15, 20264 EDGAR
  2. Oct 15, 20264 EDGAR
  3. Oct 15, 20264 EDGAR
  4. Oct 15, 20264 EDGAR
  5. Oct 15, 20264 EDGAR
  6. Oct 15, 20264 EDGAR
  7. Oct 9, 20263/A FORM 3 EDGAR
  8. Oct 9, 20264 EDGAR
  9. Sep 17, 20264 EDGAR
  10. Sep 17, 20264 EDGAR
  11. Sep 17, 20264 EDGAR
  12. Sep 17, 20264 EDGAR
  13. Sep 17, 20264 EDGAR
  14. Sep 17, 20264 EDGAR
  15. Sep 17, 20264 EDGAR
  16. Sep 17, 20264 EDGAR
  17. Sep 17, 20264 EDGAR
  18. Sep 17, 20264 EDGAR
  19. Sep 17, 20264 EDGAR
  20. Sep 17, 20264 EDGAR

The 158 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

80 open-market trades by officers, directors and large owners since October 2021: 80 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 14, 2026Murphy Michael DennisDirectorBuy5,000$22.12$110.6KForm 4
Sep 3, 2026Nelson Jonathan MichaelCFO and TreasurerBuy4,500$22.19$99.9KForm 4
Aug 26, 2026Grimaldo Joseph FDirectorBuy5,000$22.02$110.1KForm 4
Aug 17, 2026Doane ThomasEVP- Human ResourcesBuy1,726$22.31$38.5KForm 4
Aug 11, 2026Saul Kennedy ODirectorBuy5,900$21.65$127.7KForm 4
Aug 11, 2026Grimaldo Joseph FDirectorBuy4,655$21.44$99.8KForm 4
Jun 3, 2026Nelson Jonathan MichaelCFO and TreasurerBuy1,065$18.90$20.1KForm 4
May 29, 2026Cozzone Robert DPresident & CEOBuy2,128$18.80$40.0KForm 4
May 27, 2026Karmelek NicolasEVP and CROBuy19$19.08$363Form 4
May 18, 2026Jensen Barry HEVP and Chief Admin OfficerBuy500$18.88$9.4KForm 4
May 15, 2026GILLES MICHAEL ODirectorBuy3,000$19.07$57.2KForm 4
May 14, 2026GILLES MICHAEL ODirectorBuy1,000$19.50$19.5KForm 4
May 14, 2026Jensen Barry HEVP and Chief Admin OfficerBuy500$19.26$9.6KForm 4
May 13, 2026GILLES MICHAEL ODirectorBuy4,000$19.50$78.0KForm 4
May 13, 2026Cozzone Robert DPresident & CEOBuy2,023$19.77$40.0KForm 4
May 8, 2026Jensen Barry HEVP and Chief Admin OfficerBuy1,000$20.19$20.2KForm 4
Apr 29, 2026Jensen Barry HEVP and Chief Admin OfficerBuy1,000$20.30$20.3KForm 4
Apr 28, 2026Karmelek NicolasEVP and CROBuy1,209$20.76$25.1KForm 4
Apr 28, 2026Karmelek NicolasEVP and CROBuy1,220$20.76$25.3KForm 4
Apr 28, 2026Murphy Michael DennisDirectorBuy1,850$20.94$38.7KForm 4

All 80 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Jonathan NelsonExecutive Vice President and Chief Financial Officer$357.2K$579.4K40

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 81. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,151,670$24.2M0.0%+875,156
Vanguard Capital Management LLC800,793$16.8M0.0%−21,183
FJ Capital Management LLC497,258$10.4M1.4%No change
Geode Capital Management, LLC442,624$9.3M0.0%+222,719
State Street Corp251,299$5.3M0.0%+188,377
Two Sigma Investments, LP247,210$5.2M0.0%+36,088
Hennessy Advisors Inc157,000$3.3M0.1%+2,000
Morgan Stanley149,088$3.1M0.0%+25,163
Marshall Wace, Llp146,200$3.1M0.0%+45,218
Northern Trust Corp143,822$3.0M0.0%+103,632
Vanguard Fiduciary Trust Co124,642$2.6M0.0%+8,344
Vanguard Portfolio Management LLC123,123$2.6M0.0%New
Renaissance Technologies LLC116,812$2.5M0.0%+73,512
Goldman Sachs Group Inc109,562$2.3M0.0%+11,563
Ancora Advisors LLC102,550$2.2M0.0%+27,160
Commonwealth Equity Services, LLC92,488$1.9M0.0%+16,307
White Pine Capital LLC86,705$1.8M0.4%−77,866
Franklin Resources Inc68,497$1.4M0.0%−7,801
Russell Investments Group, Ltd.66,077$1.4M0.0%−10,820
Arbiter Partners Capital Management LLC65,600$1.4M0.4%+32,800
Polaris Capital Management, LLC62,600$1.3M0.1%+22,600
Charles Schwab Investment Management Inc60,567$1.3M0.0%+50,567
Ironwood Investment Management LLC53,642$1.1M0.4%+7
Bnp Paribas Financial Markets47,237$991.5K0.0%+6,948
Bank of New York Mellon Corp45,933$964.1K0.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Avidia Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARAvidia Bancorp, Inc.1
  • CIK0002058758
  • Employer ID (EIN)33-42398884
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inMaryland4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address42 Main Street, Hudson, MA 017491
  • Phone800-508-22651
  • Shares outstanding19,970,306 as of Aug 13, 20267
  • Public float$0 as of Jun 30, 20255
  • AuditorBDMP Assurance, LLP, Portland, Maine PCAOB ID 7293; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceMar 14, 20251
  • Filings158 in all: 4 (93), 3 (20), 8-K (15), 10-Q (5), CORRESP (4), SCHEDULE 13G (3), 424B3 (2), S-1/A (2)1
    All 20 form types

    S-8 (2), UPLOAD (2), 10-K (1), 11-K (1), 3/A (1), 4/A (1), 8-A12B (1), 8-K/A (1), CERT (1), DEF 14A (1), EFFECT (1), S-1 (1)

  • Latest filingsAnnual report (10-K) Mar 27, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Aug 7, 2026
    Latest 8-K (8-K) Sep 15, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, $0.01 par valueAVBCNew York Stock Exchange

From the cover page of the 10-K filed Mar 27, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

Legal proceedings

We are not a party to any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business. At December 31, 2025, we were not involved in any legal proceedings, the outcome of which would be material to our consolidated financial condition or results of operations.

The opening of Item 3, Legal Proceedings.4

Sources

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    SEC EDGAROther events
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