The bank's capital position remains sensitive to operational volatility, with an equity-to-assets ratio of 0.14 as of 2026Q1, supported by a massive $2.7 billion investment securities portfolio.
| Cash & Short Term Investments | 806.66M | 15.9M | 329.37M | 318.83M | 77.85M | 310.7M | 135.65M |
| Cash & Due from Banks | 19.23M | 15.9M | 62.44M | 70.34M | 77.85M | 310.7M | 135.65M |
| Short Term Investments | 0 | 0 | 266.93M | 248.49M | 0 | 0 | 0 |
| Total Investments | 2.65B | 2.7B | 2.46B | 2.39B | 0 | 0 | 0 |
| Investments Growth % | 16.35% | 9.77% | 3.01% | - | - | - | - |
| Long-Term Investments | 10.05B | 2.7B | 2.19B | 2.14B | 0 | 0 | 0 |
| Accounts Receivables | 8.68M | 0 | 8.9M | 8.62M | 0 | 0 | 0 |
| Goodwill & Intangibles | 11.94M | 11.94M | 15.42M | 15.26M | 11.94M | 11.94M | 11.94M |
| Goodwill | 11.94M | 11.94M | 11.94M | 11.94M | 11.94M | 11.94M | 11.94M |
| Intangible Assets | 0 | 0 | 3.49M | 3.33M | 0 | 0 | 0 |
| PP&E (Net) | 29.03M | 29.18M | 28.5M | 28.45M | 26.82M | 23.71M | 21.87M |
| Other Assets | 73.08M | 60.82M | 68.49M | 73.05M | 2.37B | 1.97B | 1.85B |
| Total Current Assets | 27.91M | 24.44M | 338.27M | 327.45M | 77.85M | 310.7M | 135.65M |
| Total Non-Current Assets | 2.78B | 2.81B | 2.32B | 2.27B | 2.41B | 2.01B | 1.88B |
| Total Assets | 2.81B | 2.84B | 2.66B | 2.6B | 2.48B | 2.32B | 2.02B |
| Asset Growth % | 10.51% | 6.8% | 2.24% | 4.59% | 7.2% | 14.85% | - |
| Return on Assets (ROA) | 0.5% | -0.12% | 0.44% | 0.49% | 0.37% | 0.8% | 0.58% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 232.85M | 287.81M | 352.68M | 428.54M | 323.91M | 62.16M | 44.85M |
| Net Debt | 213.62M | 271.91M | 290.24M | 358.2M | 246.06M | -248.54M | -90.79M |
| Long-Term Debt | 232.85M | 287.81M | 187.68M | 182.54M | 323.91M | 62.16M | 44.85M |
| Short-Term Debt | 0 | 0 | 165M | 246M | 0 | 0 | 0 |
| Other Liabilities | 2.19B | -287.81M | 43.2M | 38.09M | 2B | 2.07B | 1.8B |
| Total Current Liabilities | 0 | 1.38B | 2.23B | 2.2B | 0 | 0 | 0 |
| Total Non-Current Liabilities | 2.42B | 0 | 230.88M | 220.63M | 2.32B | 2.13B | 1.85B |
| Total Liabilities | 2.42B | 2.46B | 2.46B | 2.42B | 2.32B | 2.13B | 1.85B |
| Total Equity | 383.16M | 378.99M | 193.83M | 180.8M | 161.17M | 183.17M | 172.26M |
| Equity Growth % | 201.47% | 95.53% | 7.21% | 12.18% | -12.01% | 6.34% | - |
| Equity / Assets (Capital Ratio) | 13.65% | 13.36% | 7.3% | 6.96% | 6.49% | 7.9% | 8.54% |
| Return on Equity (ROE) | 4.31% | -1.15% | 6.13% | 7.28% | 5.2% | 9.77% | 6.79% |
| Book Value per Share | 20.65 | 20.45 | 9.65 | 9.01 | 8.03 | 9.12 | 8.58 |
| Tangible BV per Share | 20.00 | 19.81 | 8.89 | 8.25 | 7.43 | 8.53 | 7.99 |
| Common Stock | 201K | 201K | 0 | 0 | 0 | 184M | 166.72M |
| Additional Paid-in Capital | 194.9M | 194.9M | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 216.97M | 211.98M | 215.27M | 203.79M | 192.96M | 0 | 0 |
| Accumulated OCI | -13.65M | -12.83M | -21.44M | -22.99M | -31.79M | -827K | 5.54M |
| Treasury Stock | -15.26M | -15.26M | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Operational and Regulatory Volatility
According to recent financial filings, Avidia's total assets have remained stable at $2.8 billion as of 2026Q1, with the vast majority of the balance sheet comprised of a $2.7 billion investment securities portfolio, suggesting a strategic pivot away from traditional loan-heavy asset expansion toward more liquid holdings.
The concentration of assets in investment securities rather than loans indicates a cautious approach to credit risk in the current environment. This asset composition may imply that the bank is prioritizing liquidity and interest rate management over aggressive loan book expansion, which warrants monitoring as it impacts the overall yield profile.
As reported in quarterly statements, Avidia's equity-to-assets ratio stood at 0.14 in 2026Q1, reflecting a recovery from the 0.06 level observed in 2025Q2, yet the bank's capital position remains sensitive to the volatility of its specialized payment-focused business model and periodic credit loss provisioning.
The fluctuation in the equity base suggests that the bank's capital adequacy is susceptible to earnings volatility, particularly when credit loss provisions spike. Investors should monitor whether this capital level provides a sufficient buffer to support ongoing technology investments while maintaining regulatory compliance in a tightening oversight environment.
Based on the provided balance sheet data, Avidia maintains a significant liquidity profile through its $2.7 billion investment securities portfolio, which serves as the primary engine for balance sheet management, contrasting with the relatively modest cash and bank balances of $19.2 million reported in 2026Q1.
The reliance on a large securities portfolio for liquidity suggests that the bank may be managing duration risk to offset the volatility of its payment-related deposit flows. This strategy appears to provide a necessary cushion, though it leaves the bank exposed to market-to-market fluctuations within the investment book.
Data from the balance sheet indicates that investment securities represent nearly 96% of total assets as of 2026Q1, a non-obvious risk factor that suggests the bank's performance is heavily tethered to the interest rate sensitivity and valuation of its fixed-income holdings rather than traditional loan growth.
This extreme concentration in securities warrants further investigation into the duration and credit quality of the underlying assets. If interest rates remain volatile, the bank's reliance on this portfolio could lead to significant unrealized losses, potentially impacting the equity base and overall balance sheet stability.
Quick answers to the most common questions about buying AVBC stock.
As of 2025, Avidia Bancorp, Inc. (AVBC) had total assets of $2.84B including $24.4M in current assets.
Avidia Bancorp, Inc. (AVBC) carries total debt of $287.8M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Avidia Bancorp, Inc. (AVBC) has total shareholders' equity (book value) of $379.0M ($20.45 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Avidia Bancorp, Inc. (AVBC) reported a current ratio of 0.02x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.