Avidia Bancorp is a bank holding company whose subsidiary, Avidia Bank, is a Massachusetts-chartered stock savings bank operating nine banking offices in the Boston and Worcester metropolitan areas. The bank generates revenue primarily through a diversified lending portfolio focused on residential and commercial real estate, commercial and industrial loans (particularly condominium association, dental practice, and solar plant loans), and consumer lending, while also offering deposit products including Health Savings Accounts that generate low-cost funding and payments processing services for merchants nationwide. The bank competes on relationship quality and specialized lending expertise in its regional markets, earning revenues from interest income on loans and securities, non-interest income from payments processing and service fees, and mortgage origination and servicing activities.