---
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"
generated_at: "2026-05-17T02:15:40.888715+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/2058758/000119312525251640/0001193125-25-251640-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2058758/000119312525251640/avbc-20251023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-251640
- JSON: https://secwatch.observer/filing/0001193125-25-251640.json
- Plain text: https://secwatch.observer/filing/0001193125-25-251640.txt

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