Avidia Bancorp posts Q3 net loss of $907K on $10M charitable contribution; core NII up 13.6%

Avidia Bancorp, Inc.

2025-Q3 EPS reported -$0.47

Net loss of $907K ($0.05/sh) due to $10M one-time stock/cash donation to Avidia Bank Charitable Foundation; prior Q net income $3.9M.
Net interest income $23.4M (+13.6% QoQ); net interest margin expanded 24 bps to 3.43% on lower funding costs.
Total assets $2.8B (-5.8%); deposits fell $363.7M to $2.08B as IPO subscription funds were deployed.
Non-performing loans $17.6M (0.77% of loans), up $6.3M primarily from non-accruing commercial loans.
Book value per share $18.50; tangible book value $17.91 (non-GAAP) as of Sept 30, 2025.

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