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 (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 | 0.25% | 0.27% | 0.42% | 0.53% | 0.59% | 0.45% | 0.48% | 0.49% | -3 bps | |
| Return on Equity | 2.75% | 2.97% | 4.47% | 5.58% | 6.07% | 4.44% | 4.60% | 4.67% | -91 bps | |
| Net Interest Margin | 2.13% | 2.15% | 2.33% | 2.37% | 2.44% | 2.39% | 2.49% | 2.59% | +22 bps | |
| Efficiency Ratio | 86.92% | 86.44% | 79.21% | 73.51% | 70.74% | 78.79% | 77.63% | 75.81% | +230 bps | |
| Non-Interest Burden | 1.80% | 1.80% | 1.78% | 1.64% | 1.60% | 1.80% | 1.85% | 1.87% | +23 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% | 0.05% | 0.00% | 0.07% | 0.00% | 0.00% | -5 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 | |