Avidia Bancorp Inc
avidiabank.comWhat Do They Do?
Takes deposits and makes home, commercial property, and business loans for local borrowers, and processes payments for small-business merchants and other payment processors nationwide.
10-K for FY2025, filed Mar 27, 2026Our business consists primarily of taking deposits from the general public in our local markets and nationally for our payments related…View ↗
We offer a variety of deposit accounts, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand…View ↗
General. Our principal lending activity is originating and servicing real estate loans and commercial and industrial loans in our markets.…View ↗
How Do They Make Money?
Earns interest on loans and investments and customer-service fees; merchants pay a percentage of transaction value for processing as each transaction is processed, while additional payment-service fees are earned monthly.
10-K for FY2025, filed Mar 27, 2026
$130.6M
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10-K for FY2025, filed Mar 27, 2026
$130.6M ↗
Who Are Their Customers?
The bank takes deposits from the general public in its local markets and serves payment-services customers nationwide. It originates loans through staff at its offices and referrals from existing or former customers and local professionals; payment processing serves small-business merchants and other payment processors.
10-K for FY2025, filed Mar 27, 2026Our business consists primarily of taking deposits from the general public in our local markets and nationally for our payments related…View ↗
We offer a variety of deposit accounts, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand…View ↗
Our loan originations are primarily generated by our loan personnel operating at our banking offices and from referrals from existing and…View ↗
Do Revenues Turn Into Profits?
Not on paper. It lost $3.3M in FY2025, but brought in more cash than it spent: $24.1M of free cash flow.
How Are They Changing?
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