The Berkshire Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Berkshire Bank. It reported $530 million in assets at June 30, 2026, down 7.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 12.68% of loans from 5.97% a year earlier. It returns 2.9% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 0.95% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Earnings fell sharply: quarterly net income of $926,000 was 46% below a year earlier. Over the same year, loans shrank 19.8% and deposits shrank 9.7%. Credit is the area to watch: it carries problem assets equal to 13.4% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
As of June 30, 2026, The Berkshire Bank reported a CET1 capital ratio of 93.68%, a return on assets of 0.69%, a nonperforming-loan ratio of 12.68% and a Texas ratio of 13.35%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4 E 39th St, New York, NY 10016
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 8, 1989
- Offices
- 7 domestic
- Employees (FTE)
- 75
- Domestic deposits
- $397.5M
- Allowance for credit losses
- $9.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $540.1M
- Average total loans
- $151.6M
- Average interest-bearing deposits
- $307.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 8, 1989
- FDIC Cert
- 27503
- Fed RSSD
- 1396764
- SEC CIK
- 759718 → filed by BERKSHIRE BANCORP INC.
- Website
- http://www.berkbank.com →
- Parent Holding Company
- BERKSHIRE BANCORP INC. (RSSD 2728157)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Berkshire Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Berkshire Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 93.68% | 0.69% | 13.00% | 13.35% | 3.68% |
| Q1 2026 | 87.99% | 0.38% | 11.47% | 12.58% | 3.34% |
| Q4 2025 | 84.72% | 0.62% | 11.19% | 12.68% | 3.52% |
| Q3 2025 | 80.85% | 0.39% | 6.11% | 7.77% | 3.62% |
| Q2 2025 | 75.70% | 1.16% | 5.76% | 7.91% | 3.43% |
| Q1 2025 | 73.93% | 0.60% | 5.54% | 7.72% | 3.40% |
| Q4 2024 | 66.78% | 0.49% | 5.15% | 7.30% | 3.40% |
| Q3 2024 | 57.49% | 0.79% | 4.52% | 7.32% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Berkshire Bank | New York , NY | 10016 | $180.8M |
| Goshen Savings Bank Branch | Goshen , NY | 10924 | $87.0M |
| Brooklyn Branch | New York City , NY | 11219 | $49.2M |
| 16th Avenue Branch | Brooklyn , NY | 11204 | $39.2M |
| Harriman Branch | Harriman , NY | 10926 | $19.0M |
| Washington Heights Branch | New York , NY | 10033 | $12.3M |
| 5 Broadway Branch | New York , NY | 10004 | $9.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 2001 | Structure Change | Acquired Goshen Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Berkshire Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 112 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Berkshire Bank
What are The Berkshire Bank's total assets?
As of the Q2 2026 filing, The Berkshire Bank reported total assets of $530.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Berkshire Bank headquartered?
The Berkshire Bank is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Berkshire Bank founded?
The Berkshire Bank was established in 1989, per the FDIC institution directory.
Is The Berkshire Bank FDIC-insured?
Yes. The Berkshire Bank is an FDIC-insured commercial bank (FDIC Certificate #27503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Berkshire Bank?
The Berkshire Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Berkshire Bank's CET1 capital ratio?
The Berkshire Bank reported a Common Equity Tier 1 (CET1) capital ratio of 93.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Berkshire Bank operate?
The Berkshire Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Berkshire Bank's Texas Ratio?
The Berkshire Bank's Texas Ratio is 13.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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