The Berkshire Bank
Total assets
$530.0M
▼ -7.6% YoY
Deposits
$397.5M
▼ -9.7% YoY
Loans
$134.8M
▼ -21.2% YoY
Offices
7
BERKSHIRE BCORP INC
ROA (annualized)
0.53%
peers 1.28%
ROE (annualized)
2.26%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Berkshire Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +4.9% | -12.5 pts |
| Deposit growth (YoY) | -9.7% | +4.3% | -14.0 pts |
| Loan growth (YoY) | -21.2% | +5.3% | -26.5 pts |
| ROA | 0.53% | 1.28% | -0.7 pts |
| ROE | 2.3% | 12.4% | -10.2 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
Profile
- Established
- 1989
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BERKSHIRE BCORP INC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 4 E 39th St, New York, NY, 10016
- County
- New York
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 7
- FDIC cert #
- 27503
- RSSD ID
- 1396764
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $530.0M | $397.5M | $134.8M | $127.5M | $1.4M | 0.53% | 3.59% | 3.46% |
| Q1 2026 | $542.3M | $410.3M | $144.0M | $126.7M | $507K | 0.38% | 3.39% | 3.16% |
| Q4 2025 | $536.3M | $404.2M | $148.6M | $126.2M | $4.0M | 0.71% | 3.64% | 3.21% |
| Q3 2025 | $572.3M | $438.5M | $158.8M | $127.8M | $3.2M | 0.73% | 3.63% | 1.87% |
| Q2 2025 | $573.7M | $440.2M | $171.0M | $126.7M | $2.6M | 0.90% | 3.56% | 1.87% |
| Q1 2025 | $585.3M | $448.0M | $179.6M | $130.7M | $893K | 0.61% | 3.52% | 1.85% |
| Q4 2024 | $587.9M | $452.8M | $196.7M | $129.0M | $3.3M | 0.56% | 3.55% | 1.71% |
| Q3 2024 | $589.7M | $453.7M | $226.3M | $129.1M | $2.6M | 0.59% | 3.56% | 1.72% |
Loan mix (Q2 2026): real estate $143.8M · commercial $601K · consumer $91K · securities $65.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Berkshire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.28% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.89% | 33th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 61.2% | 86th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Berkshire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Berkshire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Berkshire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Berkshire Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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