---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-102159"
form_type: "8-K"
ticker: "AVBC"
cik: "0002058758"
company_name: "Avidia Bancorp, Inc."
filed_at: "2025-08-04T23:59:59+00:00"
generated_at: "2026-05-17T21:38:10.637812+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Avidia Bancorp Q2 net income $3.9M vs Q1 loss $11.6M; NIM expands to 3.19%

## Summary
- Net income of $3.9 million in Q2 2025, compared to net loss of $11.6 million in Q1 2025.
- Net interest income rose $1.4 million QoQ to $20.6 million; net interest margin improved 15 bps to 3.19%.
- Total deposits increased $309 million to $2.44 billion, partly from IPO subscription proceeds.
- Gross loans grew $15 million to $2.25 billion; non-accrual loans to total loans improved to 0.50%.
- Mutual-to-stock conversion and IPO completed effective July 31, 2025, making Avidia the stock holding company.

## SEC filing metadata
- accession: 0000950170-25-102159
- form_type: 8-K
- ticker: AVBC
- cik: 0002058758
- company_name: Avidia Bancorp, Inc.
- filed_at: 2025-08-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2058758/000095017025102159/0000950170-25-102159-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2058758/000095017025102159/avbc-20250801.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-102159
- JSON: https://secwatch.observer/filing/0000950170-25-102159.json
- Plain text: https://secwatch.observer/filing/0000950170-25-102159.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.