[Form 4] Avidia Bancorp, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Robert D. Cozzone, who serves as President & CEO and a director of Avidia Bancorp (AVBC), reported insider transactions. The form shows a purchase on 08/11/2025 of 3,410 common shares at $14.6584, and it lists 3,510 shares beneficially owned indirectly (401(k)) following the reported activity. The filing also records a disposition of 1,000 shares; the table does not display a transaction date for that disposal.

Positive

• Insider purchase recorded: Acquisition of 3,410 common shares at $14.6584 is reported.
• Increased indirect holdings: Form indicates 3,510 shares held indirectly (401(k)) following the reported activity.

Negative

• Undated disposition: A disposal of 1,000 shares is recorded in the table without a transaction date.
• Limited context: The filing does not provide total outstanding shares or prior holdings, so materiality cannot be determined from this form alone.

Insights

Securities Analyst

TL;DR: Insider recorded a purchase of 3,410 shares at $14.6584 and a separate 1,000-share disposal; impact appears neutral without more context.

The filing documents a purchase by Robert D. Cozzone of 3,410 common shares at a reported price of $14.6584, and it reports 3,510 shares beneficially owned indirectly via a 401(k) after the activity. A disposal of 1,000 shares is also shown but lacks an associated transaction date in the table. Without additional context on total outstanding shares or Cozzone's broader holdings, these transactions are routine insider activity and do not on their face constitute a material corporate event.

Corporate Governance Expert

TL;DR: CEO/director activity recorded: purchase and an unexplained sale; governance implications are limited absent further detail.

As both President & CEO and a director, Cozzone's reported purchase increases his indirect stake via a 401(k) to 3,510 shares according to the form. The separate 1,000-share disposition is documented but undated in the table, which limits clarity on timing and intent. From a governance perspective, these are disclosure-level transactions; they warrant monitoring but do not indicate governance changes or compliance issues based solely on this filing.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cozzone Robert D

(Last) (First) (Middle)

42 MAIN ST

(Street)

HUDSON MA 01749

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Avidia Bancorp, Inc. [ AVBC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President & CEO

3. Date of Earliest Transaction (Month/Day/Year)
08/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/11/2025		P		3,410	A	$14.6584	3,510	I	By 401(k)
Common Stock								1,000	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Victor L. Cangelosi, pursuant to power of attorney	08/12/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transactions did Robert D. Cozzone report on Form 4 for AVBC?

The form reports a purchase of 3,410 common shares at $14.6584 (transaction date shown as 08/11/2025) and a recorded disposition of 1,000 shares (no date shown in the table).

How many AVBC shares does Cozzone beneficially own after the transaction?

The filing indicates 3,510 shares are beneficially owned indirectly (401(k)) following the reported activity.

What is Robert Cozzone’s role at Avidia Bancorp (AVBC)?

The form identifies Robert D. Cozzone as a Director and as an Officer with the title President & CEO.

Is the sale of 1,000 shares dated in the filing?

No. The table records a disposition of 1,000 shares but does not display a transaction date for that disposal.

Does the Form 4 show derivative transactions for AVBC by Cozzone?

No. Table II (derivative securities) is blank; only non-derivative common stock transactions are reported.