New York, NY · Cert 27503 · Berkshire Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
52
Profitability
57
Liquidity
0
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New York, NY · Cert 27503 · Berkshire Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #111 of 151 inst. · $0.3B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.56% | 0.61% | 0.90% | 0.73% | 0.71% | 0.38% | 0.53% | -36 bps | |
| Return on Equity | 2.75% | 2.62% | 2.75% | 4.06% | 3.30% | 3.16% | 1.60% | 2.26% | -180 bps | |
| Net Interest Margin | 3.45% | 3.44% | 3.40% | 3.41% | 3.51% | 3.65% | 3.34% | 3.49% | +7 bps | |
| Efficiency Ratio | 72.33% | 72.49% | 75.73% | 66.23% | 68.26% | 68.56% | 82.10% | 77.07% | +1,084 bps | |
| Non-Interest Burden | 2.49% | 2.48% | 2.57% | 2.10% | 2.29% | 2.38% | 2.74% | 2.68% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.68% | 1.61% | -2.97% | -1.92% | -2.95% | -8.76% | -7.34% | -7.62% | -571 bps | |
| Loan Growth (YoY) | -13.57% | -19.19% | -22.33% | -24.63% | -28.46% | -23.11% | -18.61% | -19.82% | +482 bps | |
| Deposit Growth (YoY) | -3.78% | 1.13% | -5.09% | -2.73% | -3.37% | -10.73% | -8.42% | -9.69% | -696 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.30% | 4.89% | 5.72% | 5.97% | 6.34% | 10.89% | 11.16% | 12.68% | +671 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 3.90% | 4.46% | 4.86% | 5.09% | 5.74% | 6.11% | 6.30% | 6.70% | +160 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.8x | 0.9x | 0.9x | 0.6x | 0.6x | 0.5x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.46% | 22.58% | 22.69% | 21.99% | 22.37% | 23.19% | 24.15% | 24.16% | +217 bps | |
| Total Risk-Based Capital | 58.77% | 68.07% | 75.23% | 77.00% | 82.16% | 86.03% | 89.30% | 95.00% | +1,801 bps | |
| Equity / Assets | 21.90% | 21.94% | 22.34% | 22.08% | 22.33% | 23.54% | 23.37% | 24.06% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.91% | 45.47% | 42.14% | 40.94% | 38.43% | 39.16% | 37.46% | 36.35% | -459 bps | |
| Liquid Assets / Assets | 33.95% | 43.74% | 49.35% | 49.31% | 52.07% | 57.86% | 58.44% | 60.18% | +1,087 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.65% | 102.91% | 99.39% | n/a | n/a | |
New York, NY · Cert 27503 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Berkshire Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.54%
Rank 11 of 31
Net Interest Margin
3.49%
Rank 12 of 31
Efficiency Ratio
77.07%
Rank 13 of 31
Equity / Assets
24.06%
Rank 6 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | -0.02% | 0.39% | 0.84% | Beats 65% | 11 / 31 | ||
| Return on Equity | 2.25% | -0.19% | 2.57% | 5.72% | Beats 45% | 17 / 31 | ||
| Net Interest Margin | 3.49% | 2.51% | 3.30% | 3.85% | Beats 61% | 12 / 31 | ||
| Efficiency Ratio | 77.07% | 68.41% | 83.66% | 91.76% | Beats 61% | 13 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 12.68% | 0.18% | 0.47% | 2.65% | Beats 3% | 30 / 30 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 93.68% | 13.24% | 15.54% | 26.77% | Beats 90% | 3 / 31 | ||
| Total Risk-Based Capital Ratio | 95.00% | 14.07% | 16.32% | 26.77% | Beats 90% | 3 / 31 | ||
| Equity / Assets | 24.06% | 10.38% | 13.26% | 17.83% | Beats 81% | 6 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.35% | 84.03% | 94.98% | 103.65% | 3rd pctl | 30 / 31 | ||
| Loans / Assets | 27.26% | 61.61% | 75.31% | 83.78% | 3rd pctl | 30 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||