Avidia Bancorp, Inc. · NYSE:AVBC
Avidia Bancorp — Investor Presentation (June 2026)
12 slides from Avidia Bancorp's investor presentation, Jun 2, 2026
Slide 1: Avidia Bancorp, Inc. Investor Presentation
Avidia Bancorp, Inc. Performance Trust Capital Connect Investor Presentation June 2, 2026
Slide 2: Forward-Looking Statements and Non-GAAP Financial Measures
Forward-Looking Statements and Non-GAAP Financial Measures Cautionary Statement Regarding Forward-Looking Statements Statements contained in this investor presentation that are not historical facts constitute ”forward-looking statements” as that term is defined in the Private Securities Litigation R
Slide 3: Who We Are
Who We Are Eastern Massachusetts community bank focused ➢ 1869 – Founding of Hudson Savings Bank and on commercial banking with established liquidity nearby Westborough Bank. and credit solutions offered regionally & nationally. ➢ 1997 – Assabet Valley Bancorp created as mutual holding company for H
Slide 4: Business Model
Business Model PRIORITIES SPECIALTY OFFERINGS ➢ Organic diversified growth – focusing on LIQUIDITY SOLUTIONS commercial loans, owner-occupied CRE, small business banking & traditional retail banking Health Savings Accounts (HSA) Multi-channel responsive competitive positioning ➢ Expansion of niche b
Slide 5: Financial Highlights 1Q26
Financial Highlights 1Q26 ($ in millions, except EPS) 1Q26 Δ$ Q/Q Δ% Q/Q Highlights Net interest income $24.0 $0.4 2% Non-interest income $4.3 $0.6 15% ➢ 3% revenue growth Total revenue $28.3 $0.9 3% ➢ 86bps ROA Provision expense $1.1 $(0.1) -11% Non-interest expense $19.0 $0.6 3% ➢ 6.6% ROTCE Net i
Slide 6: Average Balances and Yields/Costs
Average Balances and Yields/Costs 1Q26 ( $ in millions) Avg. Δ$ Δ% Yield/ Δbps Balance Q/Q Q/Q Cost Q/Q Highlights Loans $2,288 $8 - 5.37% +3bps Investments and Other EA 409 41 11% 3.21% -10bps ➢ 7 bp margin increase Total Earning Assets 2,697 49 2% 5.05% -1 bp ➢ 3 bp increase in loan yield Interest
Slide 7: Deposit Composition
Deposit Composition Total Deposits $2.1 B Highlights ➢ Lower cost transaction accounts (DDA & NOW) o 52% of total deposits o 0.36% cost ➢ Total cost of deposits 1.31%, down Y/Y 19 bps from 1.50% ➢ HSA & Payments 28% of total deposits Note: Financial data as of and for the quarter ended 3/31/26 NYSE:
Slide 8: Loan Portfolio Composition
Loan Portfolio Composition Total Loans $2.3B Highlights ➢ Commercial loans 74% of total loans ➢ Loan yield 5.37%, up Y/Y 21 bps from 5.16% Consumer & C&I Condo Assoc. Note: Financial data as of and for the quarter ended 3/31/26. Home equity includes $3MM of other consumer. C&I dental practice loans
Slide 9: Commercial Real Estate Loans
Commercial Real Estate Loans ➢ CRE well diversified. Office: Non-medical, non-owner-occ. $71 MM (none in Boston) ➢ NOOCRE 281% of bank regulatory capital, or 143% excluding C&I condo (homeowners) association loans Owner –occupied $216MM Non-owner–occupied (NOOCRE) $321MM NYSE: AVBC 9 Note – Financia
Slide 10: Asset Quality
Nonperforming Loans (S in millions) $18 2025 Q1 2025 Q2 2025 Q3 2025 a4 @ NPL in Millions @NPL as % of Total Loans 2026 Q1 Loan Loss Allowance & Net Loan Charge-offs 1.2% 311% 5 an 4.07% 0.98 0.96% 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% 2025Q1 2025 Q2 2025 93 2025 Q4 mmm Allow/Loans =e==NCOs(Ann)/Avg Loans 1
Slide 11: Capital and Liquidity
Capital and Liquidity Capital Liquidity ➢ Strong capital position post IPO ➢ Short-term investments 3% of assets ➢ $0.05 per share quarterly dividend ➢ Securities 11% of assets o Initiated February 2026 o 94% of securities gov’t or agency MBS ➢ Dividend payout 16% o Unrealized loss 5% of securities
Slide 12: Liquidity Solutions: Health Savings Accounts (HSA) & Payments Processing
Liquidity Solutions Health Savings Accounts (HSA) & Payments Processing ➢ Long history of experience in these product lines $601MM Total HSA & Payments Deposits ➢ Diversified deposit sourcing in national niche markets, with strategic competitive positioning $7.8M FY 2025 Gross Revenues o Stable depo