BlastPoint's Banking Scorecard
The Berkshire Bank
New York, NY
7 branches across NY
The Berkshire Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.5% in tier
- - Liquidity Overhang: Bottom 49.8% in tier
- - Return on Assets 0.89% below tier average
- - Delinquency Rate 11.03% above tier average
- - Nonperforming Asset Ratio 2.53% above tier average
- - Non-Interest Income / Assets 0.27% below tier average
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$542.3M
-7.3% YoY
+1.1% QoQ
|
+$156.2M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$144.0M
-19.8% YoY
-3.1% QoQ
|
-$111.7M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$410.3M
-8.4% YoY
+1.5% QoQ
|
+$82.3M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.38%
-38.3% YoY
-47.0% QoQ
|
-0.89% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.0% in tier |
| Net Interest Margin ? |
3.39%
-3.7% YoY
-6.8% QoQ
|
-0.54% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
82.10%
+8.4% YoY
+19.8% QoQ
|
+16.82% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate ? |
11.91%
+98.2% YoY
+2.8% QoQ
|
+11.03% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.2% in tier |
| Loan-to-Deposit Ratio ? |
35.10%
-12.5% YoY
-4.6% QoQ
|
-41.54% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 2.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.13%
+28.1% YoY
+5.5% QoQ
|
+3.11% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
3.16%
+71.4% YoY
-1.6% QoQ
|
+2.53% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.6% in tier |
| Tier 1 Capital Ratio ? |
87.99%
+19.0% YoY
+3.9% QoQ
|
+72.16% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 0.5% in tier |
| Non-Interest Income / Assets ? |
0.01%
+0.0% YoY
-98.3% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.2% in tier |
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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 (0)
Concerns (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.