PackageTrendsPeer
Letter portraitLegal landscape

Berkshire Bank, The

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

$530.0MAssets
$144.5MLoans
$397.5MDeposits
$127.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 30 of 30).
  • Overall: at or above the peer median on 7 of 9 directional measures.

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

Non-interest income vs. expense

$0.1M$14.6MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 61% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 77.07%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.54%-0.02%0.39%0.84%Beats 65%11 / 31
Return on Equity2.25%-0.19%2.57%5.72%Beats 45%17 / 31
Net Interest Margin3.49%2.51%3.30%3.85%Beats 61%12 / 31
Efficiency Ratio77.07%68.41%83.66%91.76%Beats 61%13 / 31
Asset Quality
Nonperforming Loans / Loans12.68%0.18%0.47%2.65%Beats 3%30 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio93.68%13.24%15.54%26.77%Beats 90%3 / 31
Total Risk-Based Capital Ratio95.00%14.07%16.32%26.77%Beats 90%3 / 31
Equity / Assets24.06%10.38%13.26%17.83%Beats 81%6 / 31
Liquidity & Funding
Loans / Deposits36.35%84.03%94.98%103.65%3rd pctl30 / 31
Loans / Assets27.26%61.61%75.31%83.78%3rd pctl30 / 31
Brokered Deposits / Depositsn/aNot reported for this institution