The Berkshire Bank
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Data as of · sourced from FFIEC call reports. How we update
The Berkshire Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 1989 (FDIC certificate 27503), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $530.0M, down 7.6% from Q2 2025, the 67th largest of 105 banks headquartered in New York.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27503
- Headquarters
- New York, NY
- Established
- 1989
- Total assets, Q2 2026
- $530.0M
- Assets vs Q2 2025
- -7.6%
- Capital ratio
- Not reported
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 026011921
- Latest call report
- Q2 2026, FFIEC 051 · The Berkshire Bank call report
- Holding company
- BERKSHIRE BANCORP INC.
- Asset rank in state
- 67th of 105 in New York
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, 5.1 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Berkshire Bank is the 67th largest of the 105 banks headquartered in New York. Between Q1 2026 and Q2 2026, its total assets fell 2.3% to $530.0M, loans fell 6.0% and deposits fell 3.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 63.1% of total loans, followed by 1-4 family residential loans at 16.5%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in NY; its New York 3 offices book 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Berkshire Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 7 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Berkshire Bank's total assets ran between $530.0M (Q2 2026) and $603.2M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$530.0M total assets against $573.7M; $402.5M total liabilities against $447.0M.
$134.8M net loans and leases against $171.0M; $397.5M total deposits against $440.2M.
$65.6M securities against $108.2M; $320.0M cash and balances due against $284.0M.
$5.9M total interest income against $6.8M; $970K total interest expense against $1.7M.
$4.9M net interest income against $5.1M.
$29K total noninterest income against $1.4M; $3.6M total noninterest expense against $3.8M.
$0 provision for credit losses against $0.
$926K net income against $1.7M.
0.69% return on assets against 1.16%; 3.68% net interest margin against 3.43%.
93.68% CET1 capital ratio against 75.70%; 24.16% tier 1 leverage ratio against 21.99%.
Inside the full The Berkshire Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 390 of 3,640, for Texas Ratio; its furthest is 3,041 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.38% (Q1 2026) to 1.16% (Q2 2025) and its net interest margin ran from 3.34% (Q1 2026) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 93.68% | 0.69% | 12.68% | 13.35% | 3.68% |
| Q1 2026 | 87.99% | 0.38% | 11.16% | 12.58% | 3.34% |
| Q4 2025 | 84.72% | 0.62% | 10.89% | 12.68% | 3.52% |
| Q3 2025 | 80.85% | 0.39% | 6.34% | 7.77% | 3.62% |
| Q2 2025 | 75.70% | 1.16% | 5.97% | 7.91% | 3.43% |
| Q1 2025 | 73.93% | 0.60% | 5.72% | 7.72% | 3.40% |
| Q4 2024 | 66.78% | 0.49% | 4.89% | 7.30% | 3.40% |
| Q3 2024 | 57.49% | 0.79% | 4.30% | 7.32% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 112 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Berkshire Bank headquartered?
It is headquartered in New York, NY, United States.
When was The Berkshire Bank founded?
It was established in 1989, per the FDIC institution directory.
Is The Berkshire Bank FDIC-insured?
Yes. It 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.
What is The Berkshire Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 13.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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