Lee, MA · Cert 33645 · Berkshire Finl Services Inc.
SI · FDIC · 5 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
51
Profitability
52
Liquidity
82
Efficiency
42
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.
Lee, MA · Cert 33645 · Berkshire Finl Services Inc.
SI · FDIC · 5 branches
Q2 2026
Market Position · Pittsfield, MA · 2026 SOD (annual) · 12.1% share · #4 of 9 inst. · $0.5B of $4.3B
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 | 0.50% | 0.48% | 0.42% | 0.59% | 0.65% | 0.69% | 0.90% | 0.99% | +40 bps | |
| Return on Equity | 6.96% | 6.58% | 5.50% | 7.55% | 8.18% | 8.63% | 10.72% | 11.58% | +403 bps | |
| Net Interest Margin | 2.87% | 2.86% | 2.99% | 3.09% | 3.10% | 3.10% | 3.39% | 3.47% | +38 bps | |
| Efficiency Ratio | 83.29% | 83.46% | 84.00% | 79.58% | 77.69% | 76.55% | 73.40% | 70.90% | -868 bps | |
| Non-Interest Burden | 2.26% | 2.26% | 2.41% | 2.30% | 2.24% | 2.18% | 2.27% | 2.20% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 1.79% | 3.05% | 4.36% | 3.42% | 8.53% | 3.30% | 4.98% | +62 bps | |
| Loan Growth (YoY) | 4.42% | 6.56% | 5.69% | 6.62% | 5.82% | 4.50% | 6.51% | 5.77% | -85 bps | |
| Deposit Growth (YoY) | 0.56% | 7.48% | 7.99% | 4.79% | 4.76% | 5.59% | 5.72% | 9.79% | +500 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.61% | 0.76% | 0.58% | 0.44% | 0.51% | 0.47% | 0.52% | -6 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.08% | -0.04% | -0.01% | -0.02% | 0.02% | -0.01% | +3 bps | |
| Allowance / Loans | 0.96% | 0.94% | 0.97% | 0.97% | 0.96% | 0.99% | 0.95% | 0.96% | -1 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.3x | 1.7x | 2.2x | 1.9x | 2.0x | 1.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.96% | 8.98% | 8.99% | 9.23% | 9.25% | 9.24% | 9.41% | 9.63% | +40 bps | |
| Total Risk-Based Capital | 15.01% | 14.73% | 14.96% | 15.06% | 14.96% | 9.24% | 9.41% | 9.63% | -543 bps | |
| Equity / Assets | 7.78% | 7.55% | 7.79% | 8.03% | 8.37% | 8.13% | 8.66% | 8.81% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.95% | 85.34% | 85.13% | 88.18% | 88.84% | 84.46% | 85.77% | 84.95% | -323 bps | |
| Liquid Assets / Assets | 3.38% | 2.78% | 4.81% | 4.08% | 4.39% | 8.71% | 3.60% | 4.92% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 286% | 287% | 285% | n/a | n/a | |
Lee, MA · Cert 33645 · Peer group: banks under $1B in assets (n=581-629) · Berkshire Finl Services Inc.
SI · FDIC · 5 branches
Q2 2026
Return on Assets
0.99%
Rank 326 of 629
Net Interest Margin
3.47%
Rank 335 of 629
Efficiency Ratio
70.90%
Rank 366 of 629
Equity / Assets
8.81%
Rank 496 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.60% | 1.01% | 1.45% | Beats 48% | 326 / 629 | ||
| Return on Equity | 11.19% | 5.38% | 9.30% | 13.28% | Beats 62% | 239 / 629 | ||
| Net Interest Margin | 3.47% | 3.03% | 3.54% | 4.05% | Beats 47% | 335 / 629 | ||
| Efficiency Ratio | 70.90% | 58.35% | 67.79% | 79.08% | Beats 42% | 366 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.09% | 0.46% | 1.20% | Beats 47% | 310 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 264 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.63% | 11.24% | 13.84% | 18.77% | Beats 7% | 582 / 629 | ||
| Total Risk-Based Capital Ratio | 9.63% | 11.58% | 14.43% | 19.66% | Beats 7% | 584 / 629 | ||
| Equity / Assets | 8.81% | 9.09% | 10.65% | 13.80% | Beats 21% | 496 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.95% | 67.24% | 80.90% | 93.48% | 58th pctl | 252 / 594 | ||
| Loans / Assets | 74.67% | 53.31% | 67.71% | 78.15% | 65th pctl | 220 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||