Adams, MA · Cert 90140 · Community Bcorp Berkshires MHC
SI · FDIC · 10 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
72
Profitability
6
Liquidity
6
Efficiency
9
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.
Adams, MA · Cert 90140 · Community Bcorp Berkshires MHC
SI · FDIC · 10 branches
Q2 2026
Market Position · Pittsfield, MA · 2026 SOD (annual) · 19.2% share · #2 of 9 inst. · $0.8B 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 | 0.25% | 0.25% | 0.42% | 0.47% | 0.51% | 0.50% | 0.48% | 0.49% | +1 bps | |
| Return on Equity | 2.71% | 2.78% | 4.47% | 5.03% | 5.38% | 5.13% | 4.60% | 4.64% | -39 bps | |
| Net Interest Margin | 2.05% | 2.06% | 2.33% | 2.34% | 2.37% | 2.39% | 2.49% | 2.55% | +21 bps | |
| Efficiency Ratio | 87.38% | 87.14% | 79.21% | 76.31% | 74.37% | 75.48% | 77.63% | 76.71% | +40 bps | |
| Non-Interest Burden | 1.73% | 1.73% | 1.78% | 1.70% | 1.66% | 1.71% | 1.85% | 1.87% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.11% | 4.05% | 3.59% | 2.47% | 1.20% | -0.34% | -2.00% | -3.57% | -604 bps | |
| Loan Growth (YoY) | 5.19% | 4.10% | 4.05% | 2.66% | 1.07% | -2.29% | -3.91% | -5.21% | -787 bps | |
| Deposit Growth (YoY) | -1.33% | 4.86% | -1.64% | -0.12% | 3.23% | 1.40% | 3.42% | 1.85% | +197 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.28% | 0.32% | 0.45% | 0.23% | 0.29% | 0.43% | 0.40% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.03% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.61% | 0.61% | 0.60% | 0.59% | 0.61% | 0.61% | 0.61% | 0.64% | +5 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.1x | 1.9x | 1.3x | 2.7x | 2.1x | 1.4x | 1.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.48% | 9.47% | 9.52% | 9.58% | 9.70% | 9.90% | 10.14% | 10.34% | +76 bps | |
| Total Risk-Based Capital | 15.76% | 15.70% | 15.71% | 16.02% | 16.50% | 16.85% | 16.89% | 17.16% | +114 bps | |
| Equity / Assets | 9.24% | 9.26% | 9.37% | 9.56% | 9.90% | 10.29% | 10.43% | 10.75% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.29% | 105.72% | 109.06% | 108.19% | 105.05% | 101.87% | 101.33% | 100.69% | -750 bps | |
| Liquid Assets / Assets | 0.85% | 1.26% | 1.49% | 1.01% | 0.83% | 2.18% | 2.16% | 1.31% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 101.55% | 93.87% | 96.12% | n/a | n/a | |
Adams, MA · Cert 90140 · Peer group: banks $1B-$10B in assets (n=322-328) · Community Bcorp Berkshires MHC
SI · FDIC · 10 branches
Q2 2026
Return on Assets
0.49%
Rank 308 of 328
Net Interest Margin
2.55%
Rank 308 of 328
Efficiency Ratio
76.71%
Rank 300 of 328
Equity / Assets
10.75%
Rank 143 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.91% | 1.22% | 1.52% | Beats 6% | 308 / 328 | ||
| Return on Equity | 4.59% | 8.43% | 11.45% | 14.43% | Beats 7% | 306 / 328 | ||
| Net Interest Margin | 2.55% | 3.03% | 3.45% | 3.83% | Beats 6% | 308 / 328 | ||
| Efficiency Ratio | 76.71% | 51.61% | 59.56% | 67.53% | Beats 9% | 300 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.24% | 0.51% | 1.03% | Beats 62% | 124 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 81% | 63 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.33% | 11.75% | 13.15% | 15.47% | Beats 81% | 62 / 328 | ||
| Total Risk-Based Capital Ratio | 17.16% | 12.63% | 14.15% | 16.46% | Beats 80% | 64 / 328 | ||
| Equity / Assets | 10.75% | 9.15% | 10.33% | 12.01% | Beats 56% | 143 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.69% | 76.63% | 87.92% | 95.36% | 88th pctl | 38 / 323 | ||
| Loans / Assets | 82.23% | 65.18% | 74.15% | 79.98% | 82nd pctl | 58 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||