Avidia Bancorp, Inc. · NYSE:AVBC
Avidia Bancorp — Hovde Group Financial Services Conference 2026
14 slides from Avidia Bancorp's conference presentation, Nov 5, 2026
Slide 1: Hovde Group Financial Services Conference Investor Presentation
HOVDE GROUP Financial Services Conference INVESTOR PRESENTATION NOVEMBER 5, 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 Health Savings Accounts (HSA) business banking & traditional retail banking Multi-channel responsive competitive positioning ➢ Expansion of niche b
Slide 5: 3Q26 Highlights: Operating Summary
Operating Summary ($ in millions, except per share data) 3Q26 2Q26 1Q26 4Q25 3Q26 Highlights Net interest income $25.5 $24.0 $24.0 $23.6 ➢ Sequential EPS growth; Positive Non-interest income $5.7 $5.9 $4.3 $3.7 operating leverage reflects pricing and Total revenue $31.2 $29.9 $28.3 $27.3 operational
Slide 6: 3Q26 Highlights: Condition Summary
Condition Summary 9/30/26 (Period-end $ in millions, except per share data) 3Q26 2Q26 1Q26 4Q25 3Q26 Highlights Total Assets $2,775 $2,780 $2,807 $2,837 Securities AFS 313 315 296 269 ➢ Deposit growth in most categories, including $23MM brokered CDs Total Loans 2,261 2,261 2,285 2,298 Deposits 2,207
Slide 7: Average Balances and Yields/Costs
Average Balances and Yields/Costs 3Q26 ($ in million) Avg. Δ$ Yield/ Δbps Balance$ Q/Q Cost% Q/Q Highlights Loans $2,257 ($2) 5.55 +23 ➢ Margin increased 22 bps Investments and Other EA 367 (13) 3.82 +37 to 3.86% Total Earning Assets 2,624 (15) 5.26 +21 o 3.75% excluding prepayment penalty Interest-
Slide 8: Deposit Composition
Deposit Composition Total Deposits $2.2 B Highlights ➢ Lower cost transaction accounts (DDA & NOW) o 50% of total deposits o 0.41 bps cost ➢ HSA & Payments o 27% of total deposits o 0.66 bps cost at 9/30/26 ➢ 1.35% total cost of deposits Note: Financial data as of and for the quarter ended 9/30/26.
Slide 9: Loan Portfolio Composition
Loan Portfolio Composition Total Loans $2.3B Highlights ➢ Commercial-related loans 72% of total loans Note: Financial data as of and for the quarter ended 9/30/26. Home equity includes $3MM of other consumer. Chart detail excludes immaterial overdrafts and deferred costs. Detail may not sum to total
Slide 10: Investor Commercial Real Estate Loans
Investor Commercial Real Estate Loans Investor CRE $313MM Supervisory CRE Categories % Risk Supervisory Category Amount $MM Based Capital Investor CRE: $313 87% Multifamily $87 24% Construction $96 26% Total Investor CRE $496 137% ➢ Condominium loans classified as C&I and included in supervisory CRE
Slide 11: Asset Quality
Asset Quality Nonperforming Loans Loan Loss Allowance & Net Loan Charge-offs NYSE: AVBC 11
Slide 12: Capital
Capital Regulatory Capital ($ in 000s) Amount $ Ratio % Highlights Total Risk-Based Capital: 428,021 19.7 ➢ > Active capital management Common Equity Tier 1 375,654 17.3 Risk-Based Capital o 9.1% ROTCE 3Q26 Tier 1 Risk-Based Capital: 375,654 17.3 o 1.1% dividend yield – 6 cents quarterly Tier 1 Leve
Slide 13: Liquidity
Liquidity Wholesale Funds Sources (in $ 000s) Outstanding Available Highlights Federal Home Loan Bank borrowings 110,000 726,587 ➢ Short-term investments 2% of assets Federal Reserve Bank of Boston - 328,313 borrowings ➢ AFS securities 11% of assets Credit lines – correspondent banks - 25,000 o 98%
Slide 14: Liquidity Solutions: Payments Processing & Health Savings Accounts (HSA)
Liquidity Solutions Payments Processing & Health Savings Accounts (HSA) ➢ Long history of experience in these product lines $601MM Total Payments & HSA Deposits ➢ Diversified deposit sourcing in national niche markets, with strategic competitive positioning $8.8M 9 Mo Gross Revenues Annualized o Sta
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