Bank · FDIC insured
Avidia Bank
Top CarrotA $2.8B bank headquartered in Hudson, MA, with 10 branches in Massachusetts. Best rates: CDs 4.10% and savings 3.50% APY.
Avidia Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#20 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Avidia Bank
Avidia Bank traces its roots to 1869 through the 2007 merger of Hudson Savings Bank and Westborough Bank.
Headquartered in Hudson, Massachusetts, the bank operates branch locations across Hudson, Clinton, Westborough, Northborough, Marlborough, Shrewsbury, Leominster, and Framingham.
- Headquarters
- 42 Main St, Hudson, MA 01749
- FDIC certificate
- 90215 ↗
Branches
10 branches in Massachusetts
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Massachusetts
10 branches
Boston area · 5
- Avidia BankMain office42 Main St, Hudson, MA 01749Directions
- Framingham Branch270 Cochituate Rd, Framingham, MA 01701Directions
- Avidia Financial Center17 Pope St, Hudson, MA 01749Directions
- Hudson South Branch196 Washington St, Hudson, MA 01749Directions
- Marlborough Branch256 Maple St, Marlborough, MA 01752Directions
Worcester area · 5
- Clinton Branch1073 Main St, Clinton, MA 01510Directions
- Leominster Branch470 Lancaster St, Leominster, MA 01453Directions
- Northborough Branch53 W Main St, Northborough, MA 01532Directions
- Shrewsbury Branch23 Maple Ave, Shrewsbury, MA 01545Directions
- Westborough Branch100 E Main St, Westborough, MA 01581Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.37% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.75% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.98% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalLeverage ratio12.37%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.75%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.98%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Avidia Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.