The Berkshire Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.36 percentage points lower than in Q1 2026, at 51.53%. Within New York, The Berkshire Bank is 76th of 105 on return on assets, 0.69% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Berkshire Bank sits 0.57 points lower, at 0.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 93.68% |
| Tier 1 risk-based capital ratio | 93.68% |
| Total risk-based capital ratio | 95.00% |
| Tier 1 leverage ratio | 24.16% |
| Equity capital to assets | 24.06% |
| Tangible equity to tangible assets | 24.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 13.00% |
| Non-performing assets ratio | 3.54% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.69% |
| Allowance for credit losses to loans | 6.70% |
| Reserve coverage of non-performing loans | 51.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 2.91% |
| Net interest margin | 3.68% |
| Efficiency ratio | 72.51% |
| Yield on earning assets | 4.40% |
| Cost of funds | 0.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 36.35% |
| Core deposits to total deposits | 96.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.00% |
| Securities to assets | 12.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 47.36% | 47.36% | 48.64% | 21.15% | 0.67% |
| Q4 2023 | 51.90% | 51.90% | 53.18% | 21.81% | 0.66% |
| Q1 2024 | 53.62% | 53.62% | 54.90% | 22.52% | 0.67% |
| Q2 2024 | 56.26% | 56.26% | 57.54% | 21.83% | 0.30% |
| Q3 2024 | 57.49% | 57.49% | 58.77% | 22.46% | 0.79% |
| Q4 2024 | 66.78% | 66.78% | 68.07% | 22.58% | 0.49% |
| Q1 2025 | 73.93% | 73.93% | 75.23% | 22.69% | 0.60% |
| Q2 2025 | 75.70% | 75.70% | 77.00% | 21.99% | 1.16% |
| Q3 2025 | 80.85% | 80.85% | 82.16% | 22.37% | 0.39% |
| Q4 2025 | 84.72% | 84.72% | 86.03% | 23.19% | 0.62% |
| Q1 2026 | 87.99% | 87.99% | 89.30% | 24.15% | 0.38% |
| Q2 2026 | 93.68% | 93.68% | 95.00% | 24.16% | 0.69% |
The Berkshire Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Berkshire Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)