Berkshire Bank
Pittsfield, MA · Cert 23621 · Peer group: banks over $10B in assets (n=139)
FDIC · 85 branches
Q2 2025
$12.0BAssets
$9.5BLoans
$10.1BDeposits
$1.2BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of banks over $10B in assets (rank 28 of 139).
- Widest gap: equity / assets trails 71% of banks over $10B in assets (rank 99 of 139).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.00%
Rank 78 of 139
Net Interest Margin
3.11%
Rank 63 of 139
Efficiency Ratio
60.22%
Rank 86 of 139
Equity / Assets
9.82%
Rank 99 of 139
Non-interest income vs. expense
Unfavorable gap of $190.3M · efficiency ratio beats 39% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.80% | 1.06% | 1.36% | Beats 44% | 78 / 139 | |
| Return on Equity | 10.16% | 7.36% | 9.66% | 12.40% | Beats 55% | 62 / 139 | |
| Net Interest Margin | 3.11% | 2.66% | 3.05% | 3.43% | Beats 55% | 63 / 139 | |
| Efficiency Ratio | 60.22% | 50.23% | 57.31% | 63.76% | Beats 39% | 86 / 139 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.42% | 0.70% | 1.11% | Beats 81% | 28 / 139 | |
| Net Charge-Offs / Loans | 0.11% | 0.06% | 0.13% | 0.26% | Beats 55% | 63 / 139 | |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 12.10% | 13.21% | 15.35% | Beats 47% | 73 / 139 | |
| Total Risk-Based Capital Ratio | 14.24% | 13.47% | 14.49% | 16.42% | Beats 45% | 76 / 139 | |
| Equity / Assets | 9.82% | 9.40% | 11.18% | 12.76% | Beats 29% | 99 / 139 | |
| Liquidity & Funding |
| Loans / Deposits | 93.71% | 74.34% | 84.09% | 90.00% | 83rd pctl | 23 / 139 | |
| Loans / Assets | 79.01% | 59.18% | 68.56% | 74.23% | 91st pctl | 13 / 139 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |