Avidia Bancorp, Inc. (AVBC) Balance Sheet
AVBC balance sheet, 2025
December 31, 2025 · U.S. dollars$2.84B assets = $2.46B liabilities + $379.0M equity
Both columns are drawn to the same scale: what AVBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
AVBC financial health
Descriptive bands, not a rating. Fiscal 2025.
AVBC balance sheet trends, 2020–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.02B2020 | $2.84B2025 | +7.1%/yr | |
| Total liabilities | $1.85B2020 | $2.46B2025 | +5.9%/yr | |
| Shareholders’ equity | $172.3M2020 | $379.0M2025 | +17.1%/yr | |
| Cash & short-term investments | $135.6M2020 | $15.9M2025 | −34.9%/yr | |
| Total debt | $44.9M2020 | $287.8M2025 | +45.0%/yr | |
| Net cash (debt) | $90.8M2020 | −$271.9M2025 | −$362.7M | |
| Working capital | −$1.87B2023 | −$1.36B2025 | +$513.6M | |
| Book value per share | $8.582020 | $20.452025 | +19.0%/yr | |
| Debt / equity | 0.262020 | 0.762025 | +0.50 | |
| Shares outstanding | 20.1M2020 | 18.5M2025 | −1.6%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
AVBC assets
AVBC liabilities and equity
AVBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
AVBC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Cash & short-term investments | $15.9M | $329.4M | $318.8M | $77.9M | $310.7M | $135.6M |
| Cash & equivalents | $15.9M | $62.4M | $70.3M | $77.9M | $310.7M | $135.6M |
| Short-term investments | $129.6M | $266.9M | $248.5M | — | — | — |
| Receivables | $8.5M | $8.9M | $8.6M | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $24.4M | $338.3M | $327.5M | $77.9M | $310.7M | $135.6M |
| Property, plant & equipment (net) | $29.2M | $28.5M | $28.4M | $26.8M | $23.7M | $21.9M |
| Goodwill & intangible assets | $15.0M | $15.4M | $15.3M | $11.9M | $11.9M | $11.9M |
| Long-term investments | $282.1M | $282.7M | $277.0M | $0 | $0 | $0 |
| Other non-current assets | $2.49B | $1.99B | $1.95B | $2.37B | $1.97B | $1.85B |
| Total assets | $2.84B | $2.66B | $2.60B | $2.48B | $2.32B | $2.02B |
| Liabilities | ||||||
| Short-term debt | — | $165.0M | $246.0M | — | — | — |
| Total current liabilities | $1.38B | $2.23B | $2.20B | — | — | — |
| Long-term debt | $47.8M | $187.7M | $182.5M | $0 | $0 | $0 |
| Other long-term liabilities | $1.03B | $43.2M | $38.1M | $2.32B | $2.13B | $1.85B |
| Total liabilities | $2.46B | $2.46B | $2.42B | $2.32B | $2.13B | $1.85B |
| Shareholders' equity | ||||||
| Common stock & paid-in capital | $201,000 | — | — | — | $184.0M | $166.7M |
| Retained earnings (deficit) | $212.0M | $215.3M | $203.8M | $193.0M | — | — |
| Accumulated other comprehensive income | −$12.8M | −$21.4M | −$23.0M | −$31.8M | −$826,999 | $5.5M |
| Total shareholders' equity | $379.0M | $193.8M | $180.8M | $161.2M | $183.2M | $172.3M |
| Key figures | ||||||
| Total debt | $287.8M | $352.7M | $428.5M | $323.9M | $62.2M | $44.9M |
| Net cash (debt) | −$271.9M | −$23.3M | −$109.7M | −$246.1M | $248.5M | $90.8M |
| Working capital | −$1.36B | −$1.89B | −$1.87B | — | — | — |
| Tangible book value | $364.0M | $178.4M | $165.5M | $149.2M | $171.2M | $160.3M |
| Book value per share | $20.45 | $9.65 | $9.01 | $8.03 | $9.12 | $8.58 |
| Shares outstanding | 18.5M | 20.1M | 20.1M | 20.1M | 20.1M | 20.1M |
| Current ratio | 0.02 | 0.15 | 0.15 | — | — | — |
| Quick ratio | 0.02 | 0.15 | 0.15 | — | — | — |
| Debt / equity | 0.76 | 1.82 | 2.37 | 2.01 | 0.34 | 0.26 |
| Equity / assets | 13.4% | 7.3% | 7.0% | 6.5% | 7.9% | 8.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Cash & short-term investments | $19.2M | $19.2M | $15.9M | $290.5M | $481.1M | $249.5M | $329.4M |
| Cash & equivalents | $19.2M | $19.2M | $15.9M | $111.9M | $308.6M | $83.1M | $62.4M |
| Short-term investments | $236.3M | $212.8M | $129.6M | $178.6M | $172.5M | $166.4M | $266.9M |
| Receivables | $8.7M | $8.7M | $8.5M | $8.1M | $8.9M | $8.8M | $8.9M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $27.9M | $27.9M | $24.4M | $298.6M | $490.0M | $258.3M | $338.3M |
| Property, plant & equipment (net) | $29.2M | $29.0M | $29.2M | $29.3M | $29.1M | $29.0M | $28.5M |
| Goodwill & intangible assets | $15.1M | $15.0M | $15.0M | $15.1M | $15.2M | $15.2M | $15.4M |
| Long-term investments | $327.6M | $308.9M | $282.1M | $285.1M | $283.0M | $278.7M | $282.7M |
| Other non-current assets | $2.38B | $2.43B | $2.49B | $2.16B | $2.14B | $2.13B | $1.99B |
| Total assets | $2.78B | $2.81B | $2.84B | $2.79B | $2.96B | $2.71B | $2.66B |
| Liabilities | |||||||
| Short-term debt | — | — | — | $225.0M | $150.0M | $165.0M | $165.0M |
| Total current liabilities | — | — | $1.38B | $2.30B | $2.59B | $2.30B | $2.23B |
| Long-term debt | $27.9M | $27.9M | $47.8M | $62.8M | $137.7M | $187.7M | $187.7M |
| Other long-term liabilities | $2.36B | $2.40B | $1.03B | $47.6M | $35.6M | $33.0M | $43.2M |
| Total liabilities | $2.39B | $2.42B | $2.46B | $2.41B | $2.77B | $2.52B | $2.46B |
| Shareholders' equity | |||||||
| Common stock & paid-in capital | $201,000 | $201,000 | $201,000 | $201,000 | — | — | — |
| Retained earnings (deficit) | $223.1M | $217.0M | $212.0M | $206.6M | $207.6M | $203.7M | $215.3M |
| Accumulated other comprehensive income | −$14.2M | −$13.7M | −$12.8M | −$14.4M | −$16.1M | −$17.6M | −$21.4M |
| Total shareholders' equity | $389.5M | $383.2M | $379.0M | $372.0M | $191.4M | $186.1M | $193.8M |
| Key figures | |||||||
| Total debt | $187.9M | $232.9M | $287.8M | $287.8M | $287.7M | $352.7M | $352.7M |
| Net cash (debt) | −$168.7M | −$213.6M | −$271.9M | $2.7M | $193.3M | −$103.2M | −$23.3M |
| Working capital | — | — | −$1.36B | −$2.01B | −$2.10B | −$2.04B | −$1.89B |
| Tangible book value | $374.4M | $368.1M | $364.0M | $357.0M | $176.2M | $170.8M | $178.4M |
| Book value per share | $20.97 | $20.65 | $20.45 | $20.09 | $9.53 | $9.27 | $9.65 |
| Shares outstanding | 18.6M | 18.6M | 18.5M | 18.5M | 20.1M | 20.1M | 20.1M |
| Current ratio | — | — | 0.02 | 0.13 | 0.19 | 0.11 | 0.15 |
| Quick ratio | — | — | 0.02 | 0.13 | 0.19 | 0.11 | 0.15 |
| Debt / equity | 0.48 | 0.61 | 0.76 | 0.77 | 1.50 | 1.90 | 1.82 |
| Equity / assets | 14.0% | 13.6% | 13.4% | 13.3% | 6.5% | 6.9% | 7.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 27, 2026); data from EODHD.
AVBC financial position
At the end of fiscal 2025 (December 31, 2025), Avidia Bancorp had total assets of $2.8 billion (up 6.8% from a year earlier), total liabilities of $2.5 billion and shareholders' equity of $379.0 million. It held $15.9 million in cash and short-term investments against $287.8 million of debt, net debt of $271.9 million. Its current ratio was 0.02. In the latest quarter (ended June 30, 2026) total assets were $2.8 billion and equity $389.5 million.
Related: AVBC income statement, AVBC cash flow statement, AVBC key metrics. See the AVBC stock overview for the latest quote and news.
AVBC balance sheet FAQ
What are Avidia Bancorp's total assets?
Avidia Bancorp reported total assets of $2.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.7 billion a year earlier.
How much debt does Avidia Bancorp have?
Avidia Bancorp had $287.8 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.76.
How much cash does Avidia Bancorp have?
Avidia Bancorp held $15.9 million in cash and short-term investments at the end of fiscal 2025; with $287.8 million of debt that is net debt of $271.9 million.
What is Avidia Bancorp's book value?
Avidia Bancorp's shareholders' equity (book value) was $379.0 million at the end of fiscal 2025, or $20.45 per share.
What is Avidia Bancorp's current ratio?
Avidia Bancorp had current assets of $24.4 million and current liabilities of $1.4 billion, a current ratio of 0.02 (current liabilities exceed current assets).
How much goodwill does Avidia Bancorp have?
Avidia Bancorp carried $15.0 million of goodwill and intangible assets, 0.5% of total assets, at the end of fiscal 2025.