BlastPoint's Banking Scorecard

The Berkshire Bank

$100M-$1B Specialty: Other NY FDIC cert 27503

New York, NY

7 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits -9.7% year over year ($397.5M on the books).
Delinquency rate 13.59%.
Return on assets 0.53%.
Efficiency ratio 77.07% vs a 64.48% peer average.
Loan-to-deposit ratio 33.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

The Berkshire Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 12.67% above tier average
- Nonperforming Asset Ratio 2.79% above tier average
- Non-Interest Income / Assets 0.55% below tier average
- ROA 0.79% below tier average
- Net Interest Margin 0.40% below tier average
- Efficiency Ratio 12.59% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$530.0M -7.6% YoY -2.3% QoQ	+$143.4M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$134.8M -21.2% YoY -6.4% QoQ	-$123.5M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$397.5M -9.7% YoY -3.1% QoQ	+$70.8M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	0.53% -40.5% YoY +42.1% QoQ	-0.79%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 13.2% in tier
Net Interest Margin ?	3.59% +0.8% YoY +5.8% QoQ	-0.40%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	77.07% +16.4% YoY -6.1% QoQ	+12.59%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	13.59% +116.1% YoY +14.0% QoQ	+12.67%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 0.2% in tier
Loan-to-Deposit Ratio ?	33.92% -12.7% YoY -3.4% QoQ	-44.04%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Top 2.3% in tier
Non-Interest-Bearing Deposit Share ?	23.94% +11.7% YoY -4.7% QoQ	+1.91%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	62%
Nonperforming Asset Ratio ?	3.46% +84.4% YoY +9.3% QoQ	+2.79%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 2.5% in tier
Tier 1 Capital Ratio ?	93.68% +23.8% YoY +6.5% QoQ	+77.77%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 0.4% in tier
Non-Interest Income / Assets ?	0.01% -94.9% YoY +80.4% QoQ	-0.55%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 1.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	23.9% +2.5pp YoY -1.2pp QoQ	+1.8pp	22.1%	22.1%	22.2%	62%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	0.4% +0.1pp YoY 0.0pp QoQ	-11.1pp	11.6%	11.0%	12.5%	2%
CRE	89.1% +0.2pp YoY -0.4pp QoQ	+49.5pp	39.5%	46.2%	41.4%	99%
1-4 Family	17.6% +1.5pp YoY +0.8pp QoQ	-15.0pp	32.6%	36.6%	31.3%	25%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.1%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	93.7% +18.0pp YoY +5.7pp QoQ	+74.9pp	18.8%	26.1%	19.7%	99%
Leverage Ratio	24.2% +2.2pp YoY 0.0pp QoQ	+12.0pp	12.2%	13.9%	12.6%	98%
Total Capital Ratio	95.0% +18.0pp YoY +5.7pp QoQ	+75.1pp	19.9%	27.2%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	75 -13 (-14.8%) YoY -7 (-8.5%) QoQ	+16	58	914	482	74%
Assets per Employee ($)	$7.1M +8.4% YoY +6.9% QoQ	-$452K	$7.5M	$14.8M	$8.8M	54%
Branch Count	7 -1 (-12.5%) YoY 0 QoQ	+2	4	27	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	13.6% +7.8pp YoY +1.7pp QoQ	+12.7pp	0.9%	1.3%	1.0%	100%
Allowance Coverage	0.53x -38.1% YoY -6.3% QoQ	-23.62x	24.15x	1.92x	20.23x	11%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	2.3% -1.8pp YoY +0.7pp QoQ	-9.9pp	12.2%	7.9%	11.6%	7%
Cost of Funds (YTD)	0.8% -0.5pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.8%	1.7%	5%
Net Income ($, YTD)	$1.4M -45.2% YoY — QoQ	-$1.1M	$2.6M	$111.2M	$40.4M	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 93.68%

Peer Median: 15.91%

#11 of 2643 Top 0.4% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 33.92%

Peer Median: 77.95%

#62 of 2643 Top 2.3% in $100M-$1B

Top Weaknesses (5 metrics)

2630

Delinquency Rate

credit_quality

Value: 13.59%

Peer Median: 0.92%

#2630 of 2633 Bottom 0.2% in $100M-$1B

2611

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2611 of 2643 Bottom 1.2% in $100M-$1B

2579

Nonperforming Asset Ratio

credit_quality

Value: 3.46%

Peer Median: 0.67%

#2579 of 2643 Bottom 2.5% in $100M-$1B

2294

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.32%

#2294 of 2643 Bottom 13.2% in $100M-$1B

2186

Efficiency Ratio

profitability

Value: 77.07%

Peer Median: 64.48%

#2186 of 2643 Bottom 17.3% in $100M-$1B