BERKSHIRE BANK, THE

NEW YORK, NY | Medium | Est. May 8, 1989, midnight | FDIC #27503 | RSSD #1396764 | FDIC
Latest Report: 2025-12-31

BERKSHIRE BANK, THE is amn medium FDIC-insured commercial bank headquartered in NEW YORK, NY, established in May 8, 1989, midnight. As of 2025-12-31, the bank reported total assets of $536M and total deposits of $404M. Profitability stands at 0.62% ROA and 2.72% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 84.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 10.89% and a Texas Ratio of 12.68%. FDIC Certificate #27503.

Assets

$536M

Deposits

$404M

Loans

$158M

Equity

$126M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 2.72%
Net Interest Margin (NIM) 3.84%
Yield on Assets 4.72%
Cost of Funds 1.06%

Asset Quality

NPL Ratio 10.89%
Net Charge-Off Ratio --
Texas Ratio 12.68%
NPA Ratio 3.21%
ACL / Loans 6.11%

Capital & Liquidity

CET1 Ratio 84.72%
Tier 1 Capital 84.72%
Total Capital Ratio 86.03%
Leverage Ratio 23.19%
Loan-to-Deposit 39.16%

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