Welcome to our dedicated page for Avidia Bancorp SEC filings (Ticker: AVBC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Avidia Bancorp, Inc. (NYSE: AVBC) SEC filings page provides access to the company’s official regulatory disclosures as the stock holding company for Avidia Bank, a Massachusetts-chartered stock savings bank. Through these filings, investors can review how the company reports its financial condition, operating results, capital position, and governance matters.
Avidia Bancorp, Inc. files current reports on Form 8-K to announce material events, such as quarterly financial results, appointments to the Board of Directors, and changes in the company’s independent registered public accounting firm. For example, the company has reported unaudited consolidated financial results for specific quarters and has disclosed the appointment of a new director and Audit Committee member, as well as the transition from one audit firm to another following a restructuring of the prior auditor’s business.
In addition to 8-K filings, investors can use this page to locate the company’s annual reports on Form 10-K and quarterly reports on Form 10-Q when filed. These documents typically include detailed information on net interest income, non-interest income and expense, provisions for credit losses, asset quality metrics, and regulatory capital ratios for Avidia Bancorp, Inc. and Avidia Bank. They also provide discussions of non-GAAP financial measures, such as tangible book value per share and tangible equity ratios, along with reconciliations to GAAP figures.
Stock Titan enhances these filings with AI-powered summaries that highlight key points, explain complex accounting or regulatory language in simpler terms, and surface notable changes from prior periods. Real-time updates from the SEC’s EDGAR system ensure that new Forms 10-K, 10-Q, and 8-K appear promptly. Users can also review disclosures related to auditor changes and board appointments without reading every page of the underlying documents. This combination of original filings and AI-generated insights helps readers understand how Avidia Bancorp, Inc. presents its financial and governance information to regulators and the market.
Avidia Bancorp, Inc. executive vice president and chief risk officer Nicolas Karmelek reported an open-market purchase of 1,209 shares of common stock at $20.76 per share on April 28, 2026. Following this transaction, his directly held stake increased to 7,694 shares.
The filing also shows indirect ownership of 1,096 shares held through an ESOP and 21,871 shares held through a 401(k) plan, described as transactions not required to be reported under Section 16. No derivative securities are listed as outstanding in this filing.
Avidia Bancorp, Inc. executive Nicolas Karmelek, EVP and Chief Risk Officer, made an open-market purchase of Common Stock. He bought 1,220 shares at $20.76 per share, bringing his direct holdings to 7,705 shares.
The filing also shows indirect holdings of 1,096 shares held by an ESOP and 21,871 shares held in a 401(k) plan. A footnote explains that related plan transactions were not required to be reported under Section 16, indicating these entries primarily update his reported indirect ownership.
Avidia Bancorp, Inc. executive Barry H. Jensen, EVP and Chief Admin Officer, bought 1,000 shares of common stock in an open-market transaction at $20.30 per share. After this purchase, he directly holds 40,000 common shares.
The Form 4 also shows indirect holdings, including 1,096 shares held through an ESOP and 100 shares held through an LLC. A footnote notes these ESOP and LLC entries reflect transactions not required to be reported under Section 16 of the Securities Act of 1934.
Michael Dennis Murphy, Chairman of the Board of Avidia Bancorp, Inc., reported an insider purchase of company stock. On April 28, 2026, an account attributed to his spouse bought 1,850 shares of Avidia Bancorp common stock in an open-market transaction at $20.94 per share, reported as indirect ownership.
After this trade, the filing shows 1,850 shares held indirectly by his spouse, 7,230 shares held indirectly through his spouse's IRA, 20,000 shares held indirectly through an LLC, and 49,000 shares held directly in his own name.
Avidia Bancorp, Inc. executive vice president of human resources Thomas Doane reported an open-market purchase of common stock through a retirement plan. On April 28, 2026, a 401(k) account associated with him bought 2,040 shares of Avidia Bancorp at $21.16 per share.
After this transaction, that 401(k) plan held 17,495 shares of common stock indirectly for him. Separate entries show 1,096 shares held indirectly through an ESOP and 141 shares held directly in his own name, based on the positions reported as of the same date.
Avidia Bancorp, Inc. director James N. Ball reported an open-market purchase of 5,000 shares of common stock on April 27, 2026 at a price of $20.60 per share. The shares are held indirectly through an IRA, bringing his reported indirect holdings to 50,000 shares of Avidia Bancorp common stock.
Avidia Bancorp, Inc. reported first quarter 2026 net income of $6.0 million, or $0.32 per share, up from $5.3 million, or $0.29 per share, in the fourth quarter of 2025. Management highlighted a 10.3% increase in earnings per share driven by profitability discipline.
Net interest margin expanded to 3.61%, the cost of deposits fell to 1.31%, and noninterest income rose 15.3% to $4.3 million. Asset quality improved as nonperforming loans declined to $13.6 million, or 0.60% of total loans, and net charge-offs were minimal. The company declared a $0.05 quarterly cash dividend payable May 28, 2026.
Avidia Bancorp, Inc., the new holding company for Avidia Bank created via a 2025 mutual-to-stock conversion, sold 19,176,250 common shares at $10.00 and formed a charitable foundation and ESOP. At December 31, 2025, it reported $2.84 billion in assets, $2.30 billion in loans, $2.13 billion in deposits, and $379 million in equity.
The loan book is split between real estate (56.4%) and commercial and industrial loans (43.4%), including sizable condominium association, dental practice, and solar plant portfolios. Credit quality weakened in 2025, driven by a $19.2 million charge-off on a high-volatility commercial real estate land loan, pushing net charge-offs to 0.96% of average loans and nonaccrual loans to 0.88% of total loans, while the allowance for credit losses stood at 0.96% of loans.
The bank funds itself largely with core deposits, including Health Savings Accounts and payments-processing-related balances, and supplements liquidity with Federal Home Loan Bank advances. It also generates noninterest income through nationwide payments processing, card issuing and acquiring, and ACH services, while operating as a regulated Massachusetts savings bank under state, FDIC, Federal Reserve, and SEC oversight.
Avidia Bancorp, Inc. executive Bartholomew H. Murphy Jr., EVP & Chief Operating Officer, bought 1,500 shares of Common Stock in an open-market transaction at $19.15 per share. After the purchase, he directly owns 23,000 shares and also reports indirect holdings through an IRA, spouse, and spouse’s IRA.
Avidia Bancorp, Inc. executive Bartholomew H. Murphy Jr., EVP & Chief Operating Officer, reported an open-market purchase of Avidia Bancorp common stock. On this Form 4, an account held as his spouse's IRA bought 440 shares at a price of $18.62 per share.
Following this transaction, that spouse's IRA held a total of 10,440 shares of common stock indirectly attributed to Murphy. The filing also lists additional direct and other indirect common stock holdings for Murphy as of the same date.