{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-251640","form_type":"8-K","ticker":"AVBC","cik":"0002058758","company_name":"Avidia Bancorp, Inc.","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.490905+00:00","generated_at":"2026-05-17T02:15:40.888715+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Avidia Bancorp posts Q3 net loss of $907K on $10M charitable contribution; core NII up 13.6%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-251640","json":"https://secwatch.observer/filing/0001193125-25-251640.json","markdown":"https://secwatch.observer/filing/0001193125-25-251640.md","text":"https://secwatch.observer/filing/0001193125-25-251640.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2058758/000119312525251640/0001193125-25-251640-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2058758/000119312525251640/avbc-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:15:40.888715+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}