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 | |