The Berkshire Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 5.70 percentage points higher than in Q1 2026, at 95.00%. Among 82 New York banks, The Berkshire Bank sits 3rd from the top on CET1 ratio, 93.68% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, The Berkshire Bank reported 93.68% on CET1 ratio in Q2 2026, 78.61 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 93.68% |
| Tier 1 risk-based capital ratio | 93.68% |
| Total risk-based capital ratio | 95.00% |
| Tier 1 leverage ratio | 24.16% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $130.5M |
| Tier 1 capital | $130.5M |
| Total risk-based capital | $132.3M |
| Total equity capital | $127.5M |
| Risk-weighted assets | $139.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 24.06% |
| Tangible equity to tangible assets | 24.06% |
| Equity capital to average assets | 23.61% |
| Internal capital growth rate | 2.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $94.0M |
| Retained earnings | $32.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 47.36% | 47.36% | 48.64% | 21.15% | $273.8M |
| Q4 2023 | 51.90% | 51.90% | 53.18% | 21.81% | $251.8M |
| Q1 2024 | 53.62% | 53.62% | 54.90% | 22.52% | $245.5M |
| Q2 2024 | 56.26% | 56.26% | 57.54% | 21.83% | $234.8M |
| Q3 2024 | 57.49% | 57.49% | 58.77% | 22.46% | $231.8M |
| Q4 2024 | 66.78% | 66.78% | 68.07% | 22.58% | $200.6M |
| Q1 2025 | 73.93% | 73.93% | 75.23% | 22.69% | $182.5M |
| Q2 2025 | 75.70% | 75.70% | 77.00% | 21.99% | $172.5M |
| Q3 2025 | 80.85% | 80.85% | 82.16% | 22.37% | $162.2M |
| Q4 2025 | 84.72% | 84.72% | 86.03% | 23.19% | $152.3M |
| Q1 2026 | 87.99% | 87.99% | 89.30% | 24.15% | $147.2M |
| Q2 2026 | 93.68% | 93.68% | 95.00% | 24.16% | $139.3M |
The Berkshire Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Berkshire Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Berkshire Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27503) · FFIEC NIC profile (RSSD 1396764)