BUSINESS WIRE<\/a>)–
\nAvidia Bancorp, Inc. (the \u201cCompany\u201d) (NYSE: \u201cAVBC\u201d), the holding company of Avidia Bank, today reported second quarter 2026 net income of $7.2 million, or $0.39 per share, compared to first quarter 2026 net income of $6.0 million, or $0.32 per share.<\/p>\n\nThe Company also announced a 20% increase in its quarterly cash dividend to $0.06 per share from $0.05 per share, payable on or about August 27, 2026, to stockholders of record as of the close of business on August 18, 2026.<\/p>\n
\nCEO Robert Cozzone stated, \u201cEarnings growth of 20% quarter-over-quarter reflected increases in most categories of fee income. Our process improvement strategies contributed to better efficiency, and we achieved a 1.04% return on assets. We joined the Russell 2000 stock index on June 26, which deepens the market for our stock.\u201d<\/p>\n
SECOND QUARTER 2026 FINANCIAL HIGHLIGHTS<\/b> (comparisons are to prior quarter)<\/p>\n\n- \nNet interest margin increased by 3 basis points to 3.64%.<\/p>\n<\/li>\n
- \nReturn on assets increased by 18 basis points to 1.04%.<\/p>\n<\/li>\n
- \nReturn on equity increased by 107 basis points to 7.43%.<\/p>\n<\/li>\n
- \nEfficiency ratio improved to 65.3% from 67.2%.<\/p>\n<\/li>\n
- \nBook value per share and tangible book value per share (non-GAAP) increased to $19.40 and $18.81, respectively. See the non-GAAP reconciliation at the end of this document for further information.<\/p>\n<\/li>\n<\/ul>\n
BALANCE SHEET
\n
<\/b>Total assets were $2.78 billion at June 30, 2026, decreasing $29 million, or 1%, from March 31, 2026.<\/p>\n\n- \nShort-term investments fell by $22 million to $51 million as excess cash was invested into longer term securities and used to pay down wholesale borrowings.<\/p>\n<\/li>\n
- \nTotal investment securities grew by $19 million from March 31, to $328 million.<\/p>\n<\/li>\n
- \nTotal loans decreased by $24 million, or 1%, to $2.26 billion, due primarily to a reduction in outstanding commercial loans.<\/p>\n
\n- \nLoan exposure related to non-medical office space at June 30, 2026 was $93.4 million or 4.1% of gross loans. When excluding owner-occupied, total non-medical office exposure was $75.1 million.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n
- \nDeposits grew by $7 million, or 0.3%, to $2.15 billion, due primarily to higher money market account balances.<\/p>\n
\n- \nLower cost transaction accounts (demand and NOW) were 52% of total deposits.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n
- \nFederal Home Loan Bank advances decreased $45 million to $160 million.<\/p>\n<\/li>\n
- \nTotal stockholders\u2019 equity increased $6 million, or 2%, to $390 million, primarily due to retained earnings. Stockholders’ equity to total assets was 14.0% at quarter-end.<\/p>\n
\n- \nTangible stockholders’ equity to tangible assets (non-GAAP) was 13.6%.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
REVENUE
\n
<\/b>Total net revenue increased to $29.9 million in the second quarter of 2026, an increase of $1.6 million, or 6%, compared to the prior quarter.<\/p>\n\n- \nSecond quarter 2026 net interest income was unchanged from the prior quarter. The net interest margin improved by 3 basis points to 3.64%.<\/p>\n
\n- \nThe yield on earning assets remained steady at 5.05%. Loan income was negatively impacted by $195 thousand from loan accrual reversals.<\/p>\n<\/li>\n
- \nThe cost of interest-bearing liabilities decreased 4 basis points to 1.89% as a result of the reduction in higher cost borrowings.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n
- \nNon-interest income increased $1.6 million to $5.9 million from the prior quarter.<\/p>\n<\/li>\n<\/ul>\n
\n- \nCustomer service fees increased $419 thousand to $1.3 million, primarily from increases in HSA fees during the quarter.<\/p>\n<\/li>\n
- \nPayment processing income increased $683 thousand to $2.6 million. This included approximately $230 thousand in one-time fees from a contract termination as well as the benefit of higher business volumes.<\/p>\n<\/li>\n
- \nOther income increased $377 thousand from the first quarter as a result of a $110 thousand increase in run rate BOLI income as well as a $144 thousand increase in the valuation on the market value of our RABBI Trust investments.<\/p>\n<\/li>\n<\/ul>\n
NON-INTEREST EXPENSE<\/b><\/p>\n\n- \nTotal non-interest expense increased $509 thousand, or 3%, to $19.5 million in the second quarter of 2026.<\/p>\n
\n- \nSalaries and benefits decreased by $237 thousand due to seasonal factors.<\/p>\n<\/li>\n
- \nOccupancy and equipment costs were lower in the second quarter by $388 thousand due to lower seasonal costs, primarily snow removal.<\/p>\n<\/li>\n
- \nProfessional fees increased $408 thousand from the previous quarter due to loan workout costs and consulting costs associated with the Company\u2019s efficiency initiative.<\/p>\n<\/li>\n
- \nMarketing and promotions increased $218 thousand as a result of timing on specific promotions and investments in business development.<\/p>\n<\/li>\n
- \nOther general and administrative expenses increased by $355 thousand over the previous quarter, with the largest contributing factor being a periodic review fee associated with the payments business.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
INCOME TAXES
\n
<\/b>Income tax expense increased $112 thousand to $2.3 million in the second quarter of 2026 compared to the prior quarter.<\/p>\n\n- \nThe effective income tax rate decreased to 24% from 27% for these periods, primarily due to the BOLI investment that occurred at the end of the first quarter.<\/p>\n<\/li>\n<\/ul>\n
ASSET QUALITY
\n
<\/b>The period-end allowance for credit losses was $23.9 million in the second quarter of 2026 compared to $22.8 million at the prior quarter-end. The ratio of the allowance to total loans increased to 1.06% from 1.00% for these dates.<\/p>\n\n- \nProvision expense for credit losses decreased $197 thousand to $892 thousand.<\/p>\n<\/li>\n<\/ul>\n
\n- \nThe Company recorded a benefit to the allowance of $420 thousand for net recoveries in the second quarter, compared to net charge-offs of $116 thousand recorded in the prior quarter.<\/p>\n<\/li>\n
- \nNon-accruing loans were $16.9 million, or 0.75% of total loans, at period-end, compared to $13.6 million, or 0.60% of total loans, at the prior quarter-end, primarily due to an increase in non-accruing commercial & industrial loans.<\/p>\n<\/li>\n<\/ul>\n
ABOUT AVIDIA BANCORP, INC.
\n
<\/b>Avidia Bancorp, Inc. is the bank holding company of Avidia Bank. Avidia Bank is a Massachusetts-chartered stock savings bank. With headquarters in Hudson, Massachusetts, it also operates nine full-service banking offices in western Middlesex County and eastern Worcester County, in Massachusetts<\/p>\n
NON-GAAP FINANCIAL MEASURES
\n
<\/b>This document contains certain non-GAAP financial measures in addition to financial measures presented in accordance with U.S. Generally Accepted Accounting Principles (\u201cGAAP\u201d). These non-GAAP measures are intended to provide the reader with additional supplemental perspectives on operating results, performance trends, and financial condition. Non-GAAP financial measures are not a substitute for GAAP measures; they should be read and used in conjunction with the Company\u2019s GAAP financial information. A reconciliation of non-GAAP financial measures to GAAP measures is provided at the end of this document. In all cases, it should be understood that non-GAAP measures do not depict amounts that accrue directly to the benefit of shareholders. An item which management excludes when computing non-GAAP operating earnings can be of substantial importance to the Company\u2019s operating results for any particular quarter or year. The Company\u2019s non-GAAP operating earnings information is not necessarily comparable to non- GAAP information which may be presented by other companies. Each non-GAAP measure used by the Company in this document as supplemental financial data should be considered in conjunction with the Company\u2019s GAAP financial information. The Company adjusts certain equity related measures to exclude intangible assets due to the importance of these measures to the investment community.<\/p>\n
FORWARD-LOOKING STATEMENTS
\n
<\/b>Statements contained in this document that are not historical facts are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. You can identify forward-looking statements by use of the words “believe,” “expect,” “anticipate,” “intend,” “estimate,” “assume,” “outlook,” “will,” “should,” and other similar expressions which do not relate to historical matters. Although we believe that these forward-looking statements are based on reasonable estimates and assumptions, they are not guarantees of future performance. You should not place undue reliance on forward-looking statements because they are subject to significant risks, uncertainties and other factors which are, in some cases, beyond our control. Our actual results could differ materially from those presented in the forward-looking statements as a result of, among other factors, changes in general business and economic conditions nationwide and in our local markets, including changes which adversely affect borrowers’ ability to service and repay loans; changes in customer behavior due to political, business and economic conditions, including inflation; conditions in the capital and debt markets; reductions in net interest income resulting from interest rate volatility and changes in the balances and mix of our loans and deposits; changes in market interest rates and real estate values; decreases in the value of securities and other assets or in deposit levels necessitating increased borrowing to fund loans and investments; competition from other financial institutions; changes in legislation or regulation and accounting principles, policies and guidelines; cybersecurity incidents; fraud; natural disasters; the risk that we may be unsuccessful in implementing our business strategy; and the other risks and uncertainties disclosed in Avidia Bancorp, Inc.\u2019s Annual Report or Form 10-K, and updated by our Quarterly Reports on Form 10-Q, and other filings with the U.S. Securities and Exchange Commission. Forward-looking statements speak only as of the date of this release, and we do not undertake any obligation to update or revise any of them to reflect events or circumstances occurring after the date of this release or to reflect the occurrence of unanticipated events, except as may be required by applicable law or regulation.<\/p>\n\n\n| Avidia Bancorp, Inc.<\/b><\/td>\n | | \n | \n | \n | \n | <\/tr>\n
\n| Selected Consolidated Financial Highlights (Unaudited)<\/b><\/td>\n | | \n | \n | \n | \n | <\/tr>\n
\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n |
\n | \n | \nAt or for the Quarters Ended<\/b><\/td>\n | | \n | \n | \n | \n | <\/tr>\n
\n| (Dollars in thousands, except per share data)<\/i><\/td>\n | | \nJune 30, 2026<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Earnings Data:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n
\n| Net interest income<\/td>\n | | \n\n \n$ 23,964<\/p>\n<\/td>\n | | \n\n \n$ 23,982<\/p>\n<\/td>\n | | \n\n \n$ 20,618<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Total non-interest income<\/td>\n | | \n\n \n5,902<\/p>\n<\/td>\n | | \n\n \n4,286<\/p>\n<\/td>\n | | \n\n \n5,246<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Total net revenue<\/td>\n | | \n\n \n29,866<\/p>\n<\/td>\n | | \n\n \n28,268<\/p>\n<\/td>\n | | \n\n \n25,864<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Total non-interest expense<\/td>\n | | \n\n \n19,501<\/p>\n<\/td>\n | | \n\n \n18,992<\/p>\n<\/td>\n | | \n\n \n19,763<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Provision for credit losses<\/td>\n | | \n\n \n892<\/p>\n<\/td>\n | | \n\n \n1,089<\/p>\n<\/td>\n | | \n\n \n1,071<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Income before income tax expense<\/td>\n | | \n\n \n9,473<\/p>\n<\/td>\n | | \n\n \n8,187<\/p>\n<\/td>\n | | \n\n \n5,030<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Net income<\/td>\n | | \n\n \n7,170<\/p>\n<\/td>\n | | \n\n \n5,996<\/p>\n<\/td>\n | | \n\n \n3,872<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n |
\n| Per-Share Data:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n
\n| Earnings per share, basic<\/td>\n | | \n\n \n$ 0.39<\/p>\n<\/td>\n | | \n\n \n$ 0.32<\/p>\n<\/td>\n | | \n\n \nN\/A<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Earnings per share, diluted<\/td>\n | | \n\n \n0.39<\/p>\n<\/td>\n | | \n\n \n0.32<\/p>\n<\/td>\n | | \n\n \nN\/A<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\n| Book value per share<\/td>\n | | \n\n \n19.40<\/p>\n<\/td>\n | | \n\n \n19.10<\/p>\n<\/td>\n | | \n\n \nN\/A<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n
\nTangible book value per share (non-GAAP)(1)<\/sup><\/td>\n | \n\n \n18.81<\/p>\n<\/td>\n | | \n\n \n18.51<\/p>\n<\/td>\n | | \n\n \nN\/A<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Performance Ratios:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Return on average assets (annualized)<\/td>\n | | \n\n \n1.04<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n0.86<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n0.57<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | <\/tr>\n \n| Return on average equity (annualized)<\/td>\n | | \n\n \n7.43<\/p>\n<\/td>\n | | \n\n \n6.36<\/p>\n<\/td>\n | | \n\n \n8.20<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \nReturn on average tangible common equity (non-GAAP)(1)<\/sup><\/td>\n | \n\n \n7.76<\/p>\n<\/td>\n | | \n\n \n6.57<\/p>\n<\/td>\n | | \n\n \n8.88<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\nNet interest margin(2)<\/sup><\/td>\n | \n\n \n3.64<\/p>\n<\/td>\n | | \n\n \n3.61<\/p>\n<\/td>\n | | \n\n \n3.19<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\nInterest rate spread (3)<\/sup><\/td>\n | \n\n \n3.16<\/p>\n<\/td>\n | | \n\n \n3.12<\/p>\n<\/td>\n | | \n\n \n2.76<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\n| Yield on loans<\/td>\n | | \n\n \n5.32<\/p>\n<\/td>\n | | \n\n \n5.37<\/p>\n<\/td>\n | | \n\n \n5.20<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Cost of deposits<\/td>\n | | \n\n \n1.32<\/p>\n<\/td>\n | | \n\n \n1.31<\/p>\n<\/td>\n | | \n\n \n1.36<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Noninterest income as a percentage of average assets<\/td>\n | | \n\n \n0.86<\/p>\n<\/td>\n | | \n\n \n0.62<\/p>\n<\/td>\n | | \n\n \n0.77<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Noninterest expense as a percentage of average assets<\/td>\n | | \n\n \n2.83<\/p>\n<\/td>\n | | \n\n \n2.74<\/p>\n<\/td>\n | | \n\n \n2.91<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \nEfficiency ratio(4)<\/sup><\/td>\n | \n\n \n65.29<\/p>\n<\/td>\n | | \n\n \n67.19<\/p>\n<\/td>\n | | \n\n \n76.41<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\n| Total loans as a percentage of total deposits<\/td>\n | | \n\n \n104.97<\/p>\n<\/td>\n | | \n\n \n106.45<\/p>\n<\/td>\n | | \n\n \n92.15<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Average interest-earning assets as a percentage of average interest-bearing liabilities<\/td>\n | | \n\n \n134.37<\/p>\n<\/td>\n | | \n\n \n133.43<\/p>\n<\/td>\n | | \n\n \n124.77<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Balance Sheet, (end of period):<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Total assets<\/td>\n | | \n\n \n$ 2,780,104<\/p>\n<\/td>\n | | \n\n \n$ 2,807,417<\/p>\n<\/td>\n | | \n\n \n$ 2,957,908<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Total earning assets<\/td>\n | | \n\n \n2,647,488<\/p>\n<\/td>\n | | \n\n \n2,677,277<\/p>\n<\/td>\n | | \n\n \n2,827,019<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Total loans<\/td>\n | | \n\n \n2,260,543<\/p>\n<\/td>\n | | \n\n \n2,284,555<\/p>\n<\/td>\n | | \n\n \n2,248,021<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Total deposits<\/td>\n | | \n\n \n2,153,608<\/p>\n<\/td>\n | | \n\n \n2,146,160<\/p>\n<\/td>\n | | \n\n \n2,443,106<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Total stockholders’ equity<\/td>\n | | \n\n \n389,536<\/p>\n<\/td>\n | | \n\n \n383,521<\/p>\n<\/td>\n | | \n\n \n191,426<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Asset Quality:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Allowance for credit losses<\/td>\n | | \n\n \n$ 23,926<\/p>\n<\/td>\n | | \n\n \n$ 22,761<\/p>\n<\/td>\n | | \n\n \n$ 23,425<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Allowance for credit losses as a percentage of total loans<\/td>\n | | \n\n \n1.06<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n1.00<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n1.04<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | <\/tr>\n \n| Allowance for credit losses as a percentage of nonperforming loans<\/td>\n | | \n\n \n141.46<\/p>\n<\/td>\n | | \n\n \n167.02<\/p>\n<\/td>\n | | \n\n \n207.37<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Allowance for credit losses as a percentage of nonaccrual loans<\/td>\n | | \n\n \n141.46<\/p>\n<\/td>\n | | \n\n \n167.02<\/p>\n<\/td>\n | | \n\n \n207.37<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Non-accrual loans as a percentage of total loans<\/td>\n | | \n\n \n0.75<\/p>\n<\/td>\n | | \n\n \n0.60<\/p>\n<\/td>\n | | \n\n \n0.50<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Net loan recoveries (charge-offs) as a percentage of average loans (annualized)<\/td>\n | | \n\n \n0.07<\/p>\n<\/td>\n | | \n\n \n(0.02)<\/p>\n<\/td>\n | | \n\n \n0.01<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Total nonaccruing assets as a percentage of total assets<\/td>\n | | \n\n \n0.61<\/p>\n<\/td>\n | | \n\n \n0.49<\/p>\n<\/td>\n | | \n\n \n0.38<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n| Total nonperforming assets as a percentage of total assets<\/td>\n | | \n\n \n0.61<\/p>\n<\/td>\n | | \n\n \n0.49<\/p>\n<\/td>\n | | \n\n \n0.38<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Capital Ratios:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Total stockholders’ equity as a percentage of total assets<\/td>\n | | \n\n \n14.01<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n13.66<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n6.47<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | <\/tr>\n \nTangible stockholders’ equity as a percentage of tangible assets (non-GAAP)(1)<\/sup><\/td>\n | \n\n \n13.64<\/p>\n<\/td>\n | | \n\n \n13.29<\/p>\n<\/td>\n | | \n\n \n6.09<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\nTotal capital as a percentage of risk-weighted assets (5)<\/sup><\/td>\n | \n\n \n20.11<\/p>\n<\/td>\n | | \n\n \n19.75<\/p>\n<\/td>\n | | \n\n \n11.57<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\nCommon equity tier 1 capital as a percentage of risk-weighted assets (5)<\/sup><\/td>\n | \n\n \n17.72<\/p>\n<\/td>\n | | \n\n \n17.42<\/p>\n<\/td>\n | | \n\n \n9.14<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\nTier 1 capital as a percentage of average assets (5)<\/sup><\/td>\n | \n\n \n14.19<\/p>\n<\/td>\n | | \n\n \n13.74<\/p>\n<\/td>\n | | \n\n \n7.24<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | <\/tr>\n\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| (1) Reconciliation of non-GAAP financial measures appears on page 12.<\/td>\n<\/tr>\n | \n| (2) Represents net interest income as a percentage of average interest-earning assets.<\/td>\n<\/tr>\n | \n| (3) Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average rate of interest-bearing liabilities.<\/td>\n<\/tr>\n | \n| (4) Represents noninterest expenses divided by the sum of net interest income and noninterest income.<\/td>\n<\/tr>\n | \n(5) Presented as projected for June 30, 2026 and actual for the remaining dates.<\/td>\n<\/tr>\n<\/table>\n\n\n | \nAvidia Bancorp, Inc.<\/b><\/td>\n<\/tr>\n\n | \nConsolidated Balance Sheets (Unaudited)<\/b><\/td>\n<\/tr>\n\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \n | \nAs of<\/b><\/td>\n | | \nJune 30, 2026 Change From<\/b><\/td>\n<\/tr>\n\n | \n(Dollars in thousands)<\/i><\/td>\n | | \nJune 30, 2026<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | \n | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n<\/tr>\n\n | \nAssets<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nCash and due from banks<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n19,171<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n19,231<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n24,667<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n(60<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(0.3<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(5,496<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(22.3<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n<\/tr>\n | \n | \n\n \nShort-term investments<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n51,303<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n73,793<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n283,919<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(22,490<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(30.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(232,616<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(81.9<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \nTotal cash and cash equivalents<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n70,474<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n93,024<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n308,586<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(22,550<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(24.2<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(238,112<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(77.2<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nSecurities available for sale, at fair value<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n315,091<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n295,924<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n266,249<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n19,167<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n6.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n48,842<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n18.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nSecurities held to maturity, at amortized cost<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12,500<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n13,000<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n16,747<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(500<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(3.8<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(4,247<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(25.4<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \nTotal securities<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n327,591<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n308,924<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n282,996<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,667<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n6.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n44,595<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n15.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nFederal Home Loan Bank stock, at cost<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,051<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n9,817<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12,083<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,766<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(18.0<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(4,032<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(33.4<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nLoans held for sale<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n188<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(188<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(100.0<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nTotal loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,260,543<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,284,555<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,248,021<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(24,012<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12,522<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nLess: Allowance for credit losses<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(23,926<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(22,761<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(23,425<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,165<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n5.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(501<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n2.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nNet loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,236,617<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,261,794<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,224,596<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(25,177<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12,021<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nPremises and equipment, net<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n29,153<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n29,029<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n29,098<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n124<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n55<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.2<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nBank-owned life insurance<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n47,309<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n46,929<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n36,093<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n380<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,216<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n31.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nAccrued interest receivable<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,700<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,683<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,922<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n17<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.2<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(222<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(2.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \nNet deferred tax asset<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12,842<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n10,584<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,323<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,258<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n21.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,519<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n13.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nGoodwill<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,936<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,936<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,936<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nMortgage servicing rights<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,168<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,086<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,253<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n82<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(85<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(2.6<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \nOther assets<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n24,263<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n23,423<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n29,022<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n840<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n3.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(4,759<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(16.4<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \nTotal assets<\/b><\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,780,104<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,807,417<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,957,908<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n(27,313<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.0<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(177,804<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(6.0<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nLiabilities<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n | \nDeposits<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,153,608<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,146,160<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,443,106<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n7,448<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.3<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(289,498<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(11.8<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n<\/tr>\n | \n | \nFederal Home Loan Bank advances<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n160,000<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n205,000<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n260,000<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(45,000<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(22.0<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(100,000<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(38.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \nSubordinated debt<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n27,877<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n27,852<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n27,738<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n25<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n139<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nAccrued expenses and other liabilities<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n49,083<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n44,884<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n35,638<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,199<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n9.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n13,445<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n37.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nTotal liabilities<\/b><\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,390,568<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,423,896<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,766,482<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n(33,328<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.4<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(375,914<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(13.6<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nStockholders’ equity:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n | \nCommon Stock<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n201<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n201<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.0<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n201<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n | \nAdditional paid-in capital<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n195,228<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n195,057<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n171<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n195,228<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nUnallocated ESOP common stock<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(14,857<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(15,057<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n200<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(1.3<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(14,857<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nRetained earnings<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n223,138<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n216,973<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n207,555<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,165<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n15,583<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n7.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \nAccumulated other comprehensive loss<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(14,174<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(13,653<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(16,129<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(521<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n3.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,955<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(12.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n | \nTotal stockholders’ equity<\/b><\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n389,536<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n383,521<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n191,426<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n6,015<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1.6<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n198,110<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n103.5<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \nTotal liabilities and stockholders’ equity<\/b><\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,780,104<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,807,417<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,957,908<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n(27,313<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.0<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(177,804<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(6.0<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n \n\nAvidia Bancorp, Inc.<\/b><\/td>\n<\/tr>\n\nConsolidated Loan and Deposit Analysis (Unaudited)<\/b><\/td>\n<\/tr>\n\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \nLoan Analysis<\/span><\/b><\/td>\n<\/tr>\n\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \nAs of<\/b><\/td>\n | | \nJune 30, 2026 Change From<\/b><\/td>\n<\/tr>\n\n| (Dollars in thousands)<\/i><\/td>\n | | \nJune 30, 2026<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | June 30, 2025<\/b><\/td>\n<\/tr>\n\n| Real estate loans<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| One to four family residential<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n517,975<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n513,146<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n514,108<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n4,829<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.9<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n3,867<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.8<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Home equity and second mortgages<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n82,886<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n83,371<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n74,439<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(485<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(0.6<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n8,447<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n11.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Commercial real estate<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n540,209<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n537,752<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n512,509<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,457<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n27,700<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Commercial real estate multifamily<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n103,477<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n104,253<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n91,845<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(776<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(0.7<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n11,632<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n12.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Construction & land<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n45,928<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n47,467<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n48,900<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,539<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(3.2<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(2,972<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(6.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Total real estate loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,290,475<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,285,989<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,241,801<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,486<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n48,674<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n3.9<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Commercial loans<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Condominium associations<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n494,331<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n497,503<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n496,161<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(3,172<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(0.6<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,830<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(0.4<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Commercial & industrial<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n469,491<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n494,514<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n502,434<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(25,023<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(5.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(32,943<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(6.6<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| PPP loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u2014<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u2014<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n68<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u2014<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u2014<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(68<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(100.0<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Total commercial loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n963,822<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n992,017<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n998,663<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(28,195<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(2.8<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(34,841<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(3.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Consumer loans<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Consumer<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,082<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,456<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,543<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(374<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(10.8<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,461<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(32.2<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Total consumer loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,082<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,456<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,543<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(374<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(10.8<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,461<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(32.2<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Total loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,257,379<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,281,462<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,245,007<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(24,083<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n12,372<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Allowance for credit losses<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(23,926<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(22,761<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(23,425<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,165<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n5.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(501<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n2.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Net deferred loan costs<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,164<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,093<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,014<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n71<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n150<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Loans, net<\/b><\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,236,617<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,261,794<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,224,596<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n(25,177<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n12,021<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.5<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \nDeposit Analysis<\/span><\/b><\/td>\n<\/tr>\n\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \nAs of<\/b><\/td>\n | June 30, 2026 Change From<\/b><\/td>\n<\/tr>\n\n| (Dollars in thousands)<\/i><\/td>\n | | \nJune 30, 2026<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | June 30, 2025<\/b><\/td>\n<\/tr>\n\n| Noninterest-bearing demand<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n369,282<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n388,527<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n340,904<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(19,245<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(5.0<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n28,378<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n8.3<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| NOW<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n753,470<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n733,674<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,082,505<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n19,796<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(329,035<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(30.4<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Money market<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n279,529<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n262,773<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n269,275<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n16,757<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n6.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n10,254<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n3.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Savings<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n432,310<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n435,332<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n411,990<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(3,022<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(0.7<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n20,320<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n4.9<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Certificates of deposits<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n319,017<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n325,855<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n338,432<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(6,838<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(2.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n(19,415<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(5.7<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Total deposits<\/b><\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,153,608<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,146,160<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,443,106<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n7,448<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.3<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n(289,498<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(11.8<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n \n\n| Avidia Bancorp, Inc.<\/b><\/td>\n | | \n | <\/tr>\n \n| Consolidated Statements of Operations QTD (Unaudited)<\/b><\/td>\n | | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \nThree Months Ended June 30, 2026 Change<\/b><\/td>\n | | \n | <\/tr>\n \n | \nThree Months Ended<\/b><\/td>\n | From Three Months Ended<\/b><\/td>\n | | \n | <\/tr>\n \n| (Dollars in thousands, except per share data)<\/i><\/td>\n | June 30, 2026<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | \n | <\/tr>\n \n| Interest and dividend income<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Loans, including fees<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n29,961<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n30,313<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n28,883<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(352<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.2<\/p>\n<\/td>\n | \n \n)%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1,078<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n3.7<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Securities<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,877<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,544<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,555<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n333<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n13.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n322<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n12.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Other<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n400<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n742<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n421<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(342<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(46.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(21<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(5.0<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Total interest and dividend income<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n33,238<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n33,599<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n31,859<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(361<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,379<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n4.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Interest expense<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Deposits<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n6,992<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,884<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,242<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n108<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(250<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(3.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Federal Home Loan Bank advances<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1,930<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,381<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,647<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(451<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(18.9<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,717<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(47.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Subordinated debt<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n352<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n352<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n352<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Total interest expense<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n9,274<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n9,617<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,241<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(343<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(3.6<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,967<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(17.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Net interest income<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n23,964<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n23,982<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n20,618<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(18<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(0.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,346<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n16.2<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Provision expense for credit losses – loans<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n745<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n859<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,523<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(114<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(13.3<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(778<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(51.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Provision expense (reversal) for credit losses – off-balance sheet credit exposures<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n147<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n230<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(452<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(83<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(36.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n599<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n132.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Total provision expense for credit losses<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n892<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,089<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,071<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(197<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(18.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(179<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(16.7<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Net interest income, after provision expense for credit losses<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n23,072<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n22,893<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n19,547<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n179<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,525<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n18.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Non-interest income:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Customer service fees<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1,338<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n919<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n884<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n419<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n45.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n454<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n51.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Net loss on sale of securities available for sale<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(78<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n100.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n78<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n100.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Payment processing income<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,592<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,909<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,079<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n683<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n35.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n513<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n24.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Income on bank-owned life insurance<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n379<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n269<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n289<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n110<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n40.9<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n90<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n31.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Mortgage banking income<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n287<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n263<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n162<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n24<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n9.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n125<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n77.2<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Investment commissions<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n359<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n356<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n312<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n47<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n15.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Other<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n947<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n570<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,598<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n377<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n66.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(651<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(40.7<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Total non-interest income<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5,902<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,286<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,246<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,616<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n37.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n656<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n12.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Non-interest expense:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Salaries and employee benefits<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n9,963<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n10,200<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,909<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(237<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(2.3<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,054<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n11.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Occupancy and equipment<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1,440<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,828<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,042<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(388<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(21.2<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(602<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(29.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Data processing<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n3,042<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,890<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,994<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n152<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n48<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Professional fees<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1,516<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,108<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,088<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n408<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n36.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n428<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n39.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Payment processing<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n452<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n367<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n932<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n85<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n23.2<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(480<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(51.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Deposit insurance<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n302<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n343<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n780<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(41<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(12.0<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(478<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(61.3<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Marketing and promotions<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n424<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n206<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n310<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n218<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n105.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n114<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n36.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Telecommunications<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n75<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n99<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n96<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(24<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(24.2<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(21<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(21.9<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Problem loan and foreclosed real estate, net<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n179<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n198<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n194<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(19<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(9.6<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(15<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(7.7<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Other general and administrative<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,108<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,753<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,418<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n355<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n20.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(310<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(12.8<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Total non-interest expense<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n19,501<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,992<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n19,763<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n509<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(262<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.3<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Income before income tax expense<\/b><\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n9,473<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,187<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,030<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,286<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n15.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,443<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n88.3<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Income tax expense<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,303<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,191<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,158<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n112<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,145<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n98.9<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Net income<\/b><\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n7,170<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n5,996<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n3,872<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1,174<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n19.6<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n3,298<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n85.2<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Share data:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Weighted average common shares outstanding, basic<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n18,577<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,557<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n20<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.1<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Weighted average common shares outstanding, diluted<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n18,577<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,557<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n20<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n0.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Earnings per share, basic<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n0.39<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.32<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.07<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n21.9<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n \n| Earnings per share, diluted<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n0.39<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.32<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.07<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n21.9<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | <\/tr>\n<\/table>\n\n\nAvidia Bancorp, Inc.<\/b><\/td>\n<\/tr>\n\nConsolidated Statements of Operations YTD (Unaudited)<\/b><\/td>\n<\/tr>\n\n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \nSix Months Ended<\/b><\/td>\n | | \nSix Months Ended June 30, 2026 Change<\/b><\/td>\n<\/tr>\n\n| (Dollars in thousands, except per share data)<\/i><\/td>\n | | \nJune 30, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | \nFrom Six Months Ended June 30, 2025<\/b><\/td>\n<\/tr>\n\n| Interest and dividend income:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Loans, including fees<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n60,275<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n57,067<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n3,208<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Securities<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,421<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,206<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n215<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n4.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Other<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,142<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n636<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n506<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n79.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Total interest and dividend income<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n66,838<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n62,909<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,929<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n6.2<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Interest expense:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Deposits<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n13,877<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n14,973<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,096<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(7.3<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Federal Home Loan Bank advances<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,311<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,439<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(3,128<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(42.0<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Subordinated debt<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n704<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n667<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n37<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Total interest expense<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,892<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n23,079<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(4,187<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(18.1<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Net interest income:<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n47,946<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n39,830<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,116<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n20.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Provision expense for credit losses – loans<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,604<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,828<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(17,224<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(91.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Provision expense (reversal) for credit losses – off-balance sheet credit exposures<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n376<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(141<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n517<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n366.7<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Total provision expense for credit losses<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,980<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,687<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(16,707<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(89<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Net interest income, after provision expense for credit losses<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n45,966<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n21,143<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n24,823<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n117.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Non-interest income:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Customer service fees<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,256<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,785<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n471<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n26.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Net (loss) on sale of securities available for sale<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(619<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n619<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n100.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Net write down on premises and equipment no longer in use<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(356<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n356<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n100.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Payment processing income<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,501<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,271<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n230<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n5.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Income on bank-owned life insurance<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n648<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n568<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n80<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n14.1<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Mortgage banking income<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n550<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n178<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n372<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n209.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Investment commissions<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n715<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n662<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n53<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Other<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,518<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,485<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(967<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(38.9<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Total non-interest income<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n10,188<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,974<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,214<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n13.5<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Non-interest expense:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Salaries and employee benefits<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n20,163<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n20,475<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(312<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(1.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Occupancy and equipment<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,267<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,060<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(793<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(19.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Data processing<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,933<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,372<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(439<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(6.9<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Professional fees<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,624<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,749<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n875<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n50.0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Payment processing<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n819<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,975<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,156<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(58.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Deposit insurance<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n645<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,412<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(767<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(54.3<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Advertising<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n630<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n575<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n55<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n9.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Telecommunications<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n175<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n188<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(13<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(6.9<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Problem loan and foreclosed real estate, net<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n377<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n306<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n71<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n23.2<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Other general and administrative<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,862<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,484<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(622<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(13.9<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n| Total non-interest expense<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n38,495<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n41,596<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(3,101<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | \n \n(7.5<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Income (loss) before income tax expense<\/b><\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n17,659<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(11,479<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n29,138<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n253.8<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Income tax expense (benefit)<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,494<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(3,764<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,258<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n219.4<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Net income (loss)<\/b><\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n13,165<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n(7,715<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n20,880<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n270.6<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Share data:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Weighted average common shares outstanding, basic<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,567<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Weighted average common shares outstanding, diluted<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,567<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Earnings per share, basic<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.71<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n \n| Earnings per share, diluted<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.71<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \nN\/A<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | <\/tr>\n<\/table>\n\n\nAvidia Bancorp, Inc.<\/b><\/td>\n<\/tr>\n\nAverage Balances and Average Yields And Costs (Unaudited)<\/b><\/td>\n<\/tr>\n\n | <\/tr>\n \n | \nFor the Quarters Ended<\/b><\/td>\n<\/tr>\n\n | \nJune 30, 2026<\/b><\/td>\n | | \nMarch 31, 2026<\/b><\/td>\n | | \nJune 30, 2025<\/b><\/td>\n | | <\/tr>\n \n| (Dollars in thousands)<\/i><\/td>\n | Average Outstanding Balance<\/b><\/td>\n | | \nInterest<\/b><\/td>\n | | \nAverage Yield\/Rate<\/b><\/td>\n | | \nAverage Outstanding Balance<\/b><\/td>\n | | \nInterest<\/b><\/td>\n | | \nAverage Yield\/Rate<\/b><\/td>\n | | \nAverage Outstanding Balance<\/b><\/td>\n | | \nInterest<\/b><\/td>\n | | \nAverage Yield\/Rate<\/b><\/td>\n | | <\/tr>\n \n| Interest-earning assets:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Short-term investments<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n56,531<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n400<\/p>\n<\/td>\n | | \n\n \n2.84<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n111,776<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n742<\/p>\n<\/td>\n | | \n\n \n2.69<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n67,357<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n421<\/p>\n<\/td>\n | | \n\n \n2.51<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Securities<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n323,536<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,877<\/p>\n<\/td>\n | | \n\n \n3.57<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n297,095<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,544<\/p>\n<\/td>\n | | \n\n \n3.47<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n296,321<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,555<\/p>\n<\/td>\n | | \n\n \n3.46<\/p>\n<\/td>\n | | <\/tr>\n \n| Loans<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,258,865<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n29,961<\/p>\n<\/td>\n | | \n\n \n5.32<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,288,117<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n30,313<\/p>\n<\/td>\n | | \n\n \n5.37<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,229,893<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n28,883<\/p>\n<\/td>\n | | \n\n \n5.20<\/p>\n<\/td>\n | | <\/tr>\n \n| Total interest-earning assets<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,638,932<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n33,238<\/p>\n<\/td>\n | | \n\n \n5.05<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,696,988<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n33,599<\/p>\n<\/td>\n | | \n\n \n5.05<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,593,571<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n31,859<\/p>\n<\/td>\n | | \n\n \n4.93<\/p>\n<\/td>\n | | <\/tr>\n \n| Noninterest-earning assets<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n125,864<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n115,557<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n122,176<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n| Total assets<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n2,764,796<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n2,812,545<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n2,715,747<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Interest-bearing liabilities:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| NOW accounts<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n736,036<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1,042<\/p>\n<\/td>\n | | \n\n \n0.57<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n742,711<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n993<\/p>\n<\/td>\n | | \n\n \n0.54<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n697,452<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n700<\/p>\n<\/td>\n | | \n\n \n0.40<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Money market accounts<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n270,030<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n860<\/p>\n<\/td>\n | | \n\n \n1.28<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n260,035<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n776<\/p>\n<\/td>\n | | \n\n \n1.21<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n270,969<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n848<\/p>\n<\/td>\n | | \n\n \n1.26<\/p>\n<\/td>\n | | <\/tr>\n \n| Regular and other savings accounts<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n432,822<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,280<\/p>\n<\/td>\n | | \n\n \n2.11<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n434,329<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,279<\/p>\n<\/td>\n | | \n\n \n2.13<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n401,215<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,278<\/p>\n<\/td>\n | | \n\n \n2.28<\/p>\n<\/td>\n | | <\/tr>\n \n| Certificates of deposit<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n320,871<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,810<\/p>\n<\/td>\n | | \n\n \n3.51<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n324,646<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,836<\/p>\n<\/td>\n | | \n\n \n3.54<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n347,419<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,416<\/p>\n<\/td>\n | | \n\n \n3.94<\/p>\n<\/td>\n | | <\/tr>\n \n| Total interest-bearing deposits<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1,759,759<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,992<\/p>\n<\/td>\n | | \n\n \n1.59<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,761,721<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,884<\/p>\n<\/td>\n | | \n\n \n1.58<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,717,055<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,242<\/p>\n<\/td>\n | | \n\n \n1.69<\/p>\n<\/td>\n | | <\/tr>\n \nFHLB advances and other borrowings (1)<\/sup><\/td>\n| \n \n\u00a0<\/p>\n<\/td>\n | \n \n176,351<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,930<\/p>\n<\/td>\n | | \n\n \n4.39<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n231,724<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,381<\/p>\n<\/td>\n | | \n\n \n4.17<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n333,834<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,647<\/p>\n<\/td>\n | | \n\n \n4.38<\/p>\n<\/td>\n | | <\/tr>\n\n| Subordinated debt<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n27,857<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n352<\/p>\n<\/td>\n | | \n\n \n5.07<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n27,828<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n352<\/p>\n<\/td>\n | | \n\n \n5.13<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n27,782<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n352<\/p>\n<\/td>\n | | \n\n \n5.08<\/p>\n<\/td>\n | | <\/tr>\n \n| Total interest-bearing liabilities<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n1,963,967<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n9,274<\/p>\n<\/td>\n | | \n\n \n1.89<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,021,273<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n9,617<\/p>\n<\/td>\n | | \n\n \n1.93<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,078,671<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,241<\/p>\n<\/td>\n | | \n\n \n2.17<\/p>\n<\/td>\n | | <\/tr>\n \n| Noninterest-bearing demand deposits<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n372,187<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n369,871<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n415,035<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n| Other noninterest-bearing liabilities<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n41,761<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n39,196<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n33,242<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n| Total liabilities<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,377,915<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,430,340<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,526,948<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n| Total stockholders’ equity<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n386,881<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n382,205<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n188,799<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n| Total liabilities and capital<\/td>\n | \n \n$<\/p>\n<\/td>\n | \n \n2,764,796<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n2,812,545<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n2,715,747<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Net interest income<\/td>\n | | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n23,964<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n23,982<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n20,618<\/p>\n<\/td>\n | | \n | \n | <\/tr>\n \nNet interest rate spread (2)<\/sup><\/td>\n | \n | \n | \n | \n\n \n3.16<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n3.12<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n2.76<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \nNet interest-earning assets (3)<\/sup><\/td>\n| \n \n$<\/p>\n<\/td>\n | \n \n674,965<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n675,715<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n514,900<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n\n| Total deposits<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n2,131,946<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,131,592<\/p>\n<\/td>\n | | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \nNet interest margin (4)<\/sup><\/td>\n | \n | \n | \n | \n\n \n3.64<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n3.61<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n3.19<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Cost of deposits<\/td>\n | | \n | \n | \n | \n\n \n1.32<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n1.31<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n1.36<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Average interest-earning assets to interest-bearing liabilities<\/td>\n | | \n | \n | \n | \n\n \n134.37<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n133.43<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n | \n | \n | \n\n \n124.77<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| (1) Average balances for borrowings includes the financing lease obligation which is presented under other liabilities on the consolidated balance sheet.<\/td>\n<\/tr>\n | \n| (2) Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average rate of interest-bearing liabilities.<\/td>\n<\/tr>\n | \n| (3) Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.<\/td>\n<\/tr>\n | \n| (4) Net interest margin represents net interest income divided by average total interest-earning assets.<\/td>\n<\/tr>\n<\/table>\n | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
![\"Logo\"](\"https:\/\/mms.businesswire.com\/media\/20260723663311\/en\/1728614\/3\/LogoColor.jpg\")
<\/td>\n<\/tr>\n