# EDGAR Filing Document

**Accession Number:** 0002058758
**File Stem:** 0001193125-26-245337
**Filing Date:** 2026-5
**Character Count:** 14184
**Document Hash:** 4cf67ba4d932efa329365c154a8e5458
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-245337.hdr.sgml**: 20260528

**ACCESSION NUMBER**: 0001193125-26-245337

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 22

**CONFORMED PERIOD OF REPORT**: 20260528

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260528

**DATE AS OF CHANGE**: 20260528

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Avidia Bancorp, Inc.
- **CENTRAL INDEX KEY:** 0002058758
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 334239888
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42775
- **FILM NUMBER:** 261036811

**BUSINESS ADDRESS:**
- **STREET 1:** 42 MAIN STREET
- **CITY:** HUDSON
- **STATE:** MA
- **ZIP:** 01749
- **BUSINESS PHONE:** 800-508-2265

**MAIL ADDRESS:**
- **STREET 1:** 42 MAIN STREET
- **CITY:** HUDSON
- **STATE:** MA
- **ZIP:** 01749

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** May 28, 2026<br>

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Avidia Bancorp, Inc.

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Maryland | 001-42775 | 33-4239888 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 42 Main Street |  |  |
| Hudson**,** Massachusetts |  | 01749 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** 800 5082265<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common stock, $0.01 par value per share | AVBC | New York Stock Exchange |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 7.01 Regulation FD Disclosure.
On May 28, 2026, Avidia Bancorp, Inc. (the "Company"), the parent company of Avidia Bank, made available an investor presentation for an in-person investor conference to be held on June 2, 2026. The presentation materials include information regarding the Company's operations and financial performance. A copy of the investor presentation is attached hereto as Exhibit 99.1 and is hereby incorporated by reference herein. In addition, the Company has posted this presentation in the "Events & Presentations" section of the Company's investor relations website at https://investors.avidiabank.com.

## Item 9.01 Financial Statements and Exhibits.
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits

<u>Exhibit No.</u> <u>Description</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[<u>99.1</u>](avbc-ex99_1.htm)[<u>Presentation Materials of Avidia Bancorp, Inc.</u>](avbc-ex99_1.htm)

104 Cover Page Interactive Data File (Embedded within Inline XBRL document)

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | **AVIDIA BANCORP, INC** |
| Date: | May 28, 2026 | By:  | /s/ Jonathan Nelson |
|  |  |  | Jonathan Nelson<br>Chief Financial Officer |

---

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## Exhibit 99.1

![Slide 1](avbc-ex99_1s1.jpg)

Avidia Bancorp, Inc.Performance TrustCapital Connect Investor Presentation June 2, 2026 Exhibit 99.1

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![Slide 2](avbc-ex99_1s2.jpg)

NYSE: AVBC 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 Reform Act of 1995 (the "Act"). Forward-looking statements are subject to significant risks and uncertainties. Avidia Bancorp intends for all forward-looking statements to be covered by the safe harbor provisions contained in the Act. Avidia Bancorp's ability to predict future results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the business and future prospects of Avidia Bancorp and its subsidiaries include, but are not limited to, general and local economic conditions, changes in market interest rates, deposit flows, loan demand, real estate values, competitive products and pricing, loan delinquency rates and trends, ability to manage business risks, ability to control costs and expenses, changes in federal and state law and regulation, and other factors that may be disclosed in Avidia Bancorp's periodic reports as filed with the Securities and Exchange Commission. These risks and uncertainties should be carefully considered when evaluating forward-looking statements and undue reliance should not be placed on any forward-looking statements. Avidia Bancorp assumes no obligation to update any forward-looking statements expect as may be required by applicable law or regulation. Explanation and Use of Non-GAAP Financial Measures In addition to financial measures presented in accordance with U.S. generally accepted accounting principles ("GAAP"), Avidia Bancorp uses, and this investor presentation contains or references, certain non-GAAP financial measures. Avidia Bancorp believes these non-GAAP financial measures provide useful information in understanding its underlying financial condition and results of operations and its business and performance trends because they facilitate comparisons with the performance of other companies in the financial services industry. Although Avidia Bancorp believes these non-GAAP financial measures enhance the understanding of its business and financial condition and results of operations, they should not be considered as an alternative to comparable GAAP financial measures or considered more important than comparable GAAP financial measures, nor are they necessarily comparable with similar non-GAAP financial measures that may be presented by other companies. Where non-GAAP financial measures are used in this investor presentation, the comparable GAAP financial measures, as well as the reconciliation to the comparable GAAP financial measures, can be found in the earnings release for the period covered by this investor presentation, which is furnished under cover of a Current Report on Form 8-K as filed with the Securities and Exchange Commission.

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![Slide 3](avbc-ex99_1s3.jpg)

Who We Are 1869 – Founding of Hudson Savings Bank and nearby Westborough Bank. 1997 – Assabet Valley Bancorp created as mutual holding company for Hudson Savings. 2007 – Hudson Savings Bank and Westborough Bank merged, forming Avidia Bank headquartered in Hudson, MA. 7/31/25 – Assabet Valley Bancorp converts to stock form and Avidia Bancorp becomes traded on the NYSE as AVBC. NYSE: AVBC $2.8 B TOTAL ASSETS $113 MM Q1 ANNUALIZED REVENUE $2.3 B TOTAL LOANS $2.1 B TOTAL DEPOSITS $372MM TANGIBLE EQUITY 9 BRANCHES Note: Financial data as of 3/31/26. Revenue 1Q26 annualized. Tangible equity (non-GAAP) is $383MM equity less $12MM goodwill. Eastern Massachusetts community bank focused on commercial banking with established liquidity and credit solutions offered regionally & nationally.

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![Slide 4](avbc-ex99_1s4.jpg)

NYSE: AVBC Organic diversified growth – focusing on commercial loans, owner-occupied CRE, small business banking & traditional retail banking Expansion of niche businesses with focus on condo association lending and payments processing activities Business model optimization – efforts driving improvements in process, product, and pricing to bolster revenue generation and cost efficiencies Improving Return on Tangible Common Equity ("ROTCE") with financial and operating leverage utilizing IPO proceeds SPECIALTY OFFERINGS LIQUIDITY SOLUTIONS Health Savings Accounts (HSA) Multi-channel responsive competitive positioning Payments Processing Activities ACH processing, card acquiring, and card issuing CREDIT SOLUTIONS Condominium Association Lending Commercial term loans secured by condo association cash flows and property Commercial Financing – Dental practices PRIORITIES Business Model

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![Slide 5](avbc-ex99_1s5.jpg)

1Q26 Δ$ Q/Q Δ% Q/Q Net interest income $24.0 $0.4 2% Non-interest income $4.3 $0.6 15% Total revenue $28.3 $0.9 3% Provision expense $1.1 $(0.1) -11% Non-interest expense $19.0 $0.6 3% Net income $6.0 $0.7 12% EPS $0.32 $0.03 10% Return on assets 0.86% 9 bps Return on tangible equity 6.57% 72 bps Efficiency Ratio 67.2% Unch Total Loans $2,285 ($14) -1% Total Deposits $2,146 $18 1% 3% revenue growth 86bps ROA 6.6% ROTCE Invested IPO cash into securities & lowering wholesale funding Initiated process improvement project with third party to support revenue growth and efficiency NYSE: AVBC ($ in millions, except EPS) Financial Highlights 1Q26 Highlights Note: ROTCE is a non-GAAP financial measure

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![Slide 6](avbc-ex99_1s6.jpg)

Avg. Balance Δ$ Q/Q Δ% Q/Q Yield/ Cost Δbps Q/Q Loans $2,288 $8 - 5.37% +3bps Investments and Other EA 409 41 11% 3.21% -10bps Total Earning Assets 2,697 49 2% 5.05% -1 bp Interest-Bearing Deposits 1,762 51 3% 1.58% -3bps Borrowings and Other IBL 259 (28) (10%) 4.21% -24bps Total Interest-Bearing Liabilities 2,021 24 1% 1.93% -9pbs Net Interest Margin 3.61% +7 bps Noninterest-Bearing Deposits 370 20 6% - - Total Deposits 2,132 72 3% 1.31% -4bps 1Q26 ($ in millions) NYSE: AVBC 7 bp margin increase 3 bp increase in loan yield 9 bp decrease in interest- bearing liabilities costs 8% increase in lower cost transaction account balances (DDA & NOW) Average Balances and Yields/Costs Highlights

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![Slide 7](avbc-ex99_1s7.jpg)

Lower cost transaction accounts (DDA & NOW) 52% of total deposits 0.36% cost Total cost of deposits 1.31%, down Y/Y 19 bps from 1.50% HSA & Payments 28% of total deposits Total Deposits $2.1 B NYSE: AVBC Deposit Composition Highlights Note: Financial data as of and for the quarter ended 3/31/26

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![Slide 8](avbc-ex99_1s8.jpg)

Commercial loans 74% of total loans Loan yield 5.37%, up Y/Y 21 bps from 5.16% 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 totaled $180MM and solar loans totaled $102MM. Chart detail excludes $3MM overdrafts and $3MM deferred costs. Detail may not sum to totals due to rounding. Total Loans $2.3B NYSE: AVBC Loan Portfolio Composition Highlights Consumer & C&I Condo Assoc.

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![Slide 9](avbc-ex99_1s9.jpg)

NYSE: AVBC 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 Commercial Real Estate Loans Note – Financial data as of 3/31/26. Detail may not sum to totals due to rounding. Owner –occupied $216MM Non-owner–occupied (NOOCRE) $321MM

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![Slide 10](avbc-ex99_1s10.jpg)

NYSE: AVBC Asset Quality

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![Slide 11](avbc-ex99_1s11.jpg)

NYSE: AVBC Strong capital position post IPO $0.05 per share quarterly dividend Initiated February 2026 Dividend payout 16% Dividend yield 1.02% Short-term investments 3% of assets Securities 11% of assets 94% of securities gov't or agency MBS Unrealized loss 5% of securities Credit availability 38% of total assets Capital and Liquidity Note: Financial and market data as of and for the quarter ended 3/31/26 Capital Liquidity Regulatory Capital ($ in 000s) Amount $ Ratio % Total Risk-Based Capital: 436,415 19.7 Common Equity Tier 1 Risk-Based Capital 384,880 17.4 Tier 1 Risk-Based Capital: 384,880 17.4 Tier 1 Leverage Capital: 384,880 13.7 Borrowings Sources (in $000s) Outstanding Available Federal Home Loan Bank borrowings 205,000 702,427 Federal Reserve Bank of Boston borrowings - 330,276 Credit lines – correspondent banks - 25,000 Total borrowings sources 205,000 1,057,703 Note: There were no brokered deposits outstanding at 3/31/26.

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![Slide 12](avbc-ex99_1s12.jpg)

Health Savings Accounts (HSA) & Payments Processing Long history of experience in these product lines Diversified deposit sourcing in national niche markets, with strategic competitive positioning Stable deposit source and granular HSA base ACH processing, card acquiring, & card issuing 28% of total deposits Payments processing 46% of FY25 total non-interest income NYSE: AVBC Liquidity Solutions $601MM Total HSA & Payments Deposits $7.8M FY 2025 Gross Revenues (payments processing) Note: Financial data as of and for the quarter-ended 3/31/26 unless otherwise noted.