The Berkshire Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.76 percentage points in Q2 2026, from 90.60% to 83.85%. It was the largest change from Q1 2026 among the key lines here. The Berkshire Bank has the 10th lowest loan-to-deposit ratio of the 105 banks headquartered in New York, at 36.35% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, The Berkshire Bank reported 36.35% on loan-to-deposit ratio in Q2 2026, 44.49 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $144.5M |
| Net loans and leases | $134.8M |
| Loans held for sale | $0 |
| Loans to total assets | 27.26% |
| Loan-to-deposit ratio | 36.35% |
| Net loans to equity capital | 1.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.88% |
| Multifamily (5+ residential) | 7.97% |
| Commercial and industrial | 0.42% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.85% |
| Construction concentration (Tier 1 capital + allowance) | 10.54% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.68% |
| Interest income on loans | $2.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $272.5M | $471.6M | 64.51% | 2.58% | 0.10% |
| Q4 2023 | $254.8M | $447.8M | 63.55% | 2.06% | 0.09% |
| Q1 2024 | $243.1M | $472.0M | 66.20% | 1.42% | 0.05% |
| Q2 2024 | $239.1M | $452.6M | 66.87% | 0.68% | 0.04% |
| Q3 2024 | $235.5M | $453.7M | 67.20% | 0.29% | 0.04% |
| Q4 2024 | $205.9M | $452.8M | 65.78% | 0.30% | 0.03% |
| Q1 2025 | $188.8M | $448.0M | 63.44% | 0.34% | 0.02% |
| Q2 2025 | $180.2M | $440.2M | 62.22% | 0.34% | 0.10% |
| Q3 2025 | $168.5M | $438.5M | 61.17% | 0.32% | 0.09% |
| Q4 2025 | $158.3M | $404.2M | 64.63% | 0.41% | 0.09% |
| Q1 2026 | $153.7M | $410.3M | 65.71% | 0.40% | 0.09% |
| Q2 2026 | $144.5M | $397.5M | 64.88% | 0.42% | 0.06% |
The Berkshire Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Berkshire Bank, freeSource: Call Report Schedule RC-C, 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)