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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.49% | 0.61% | 1.19% | 0.40% | 0.62% | 0.38% | 0.69% | -50 bps | |
| Return on Equity | 3.68% | 2.23% | 2.75% | 5.35% | 1.79% | 2.72% | 1.60% | 2.91% | -244 bps | |
| Net Interest Margin | 3.50% | 3.39% | 3.40% | 3.43% | 3.61% | 3.52% | 3.34% | 3.66% | +23 bps | |
| Efficiency Ratio | 69.36% | 72.98% | 75.73% | 58.78% | 72.64% | 69.47% | 82.10% | 72.51% | +1,373 bps | |
| Non-Interest Burden | 2.41% | 2.47% | 2.57% | 1.63% | 2.61% | 2.29% | 2.74% | 2.65% | +102 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 | |