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The Berkshire Bank
New York, NY · FDIC Certificate #27503 · Chartered 05/0
Total assets
$529.98M
Total deposits
$397.51M
Total equity
$127.52M
Net loans
$134.82M
Branches (offices)
7
Net income (YTD)
$1.43M
Rank: #1,717 of 4,213 U.S. banks by assets · #73 of 115 in New York. Assets changed -7.6% and deposits -9.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.53% |
| Return on equity | 2.26% |
| Net interest margin (YTD) | 3.59% |
| Equity to assets | 24.06% |
| Tier 1 leverage ratio | 24.16% |
| Uninsured deposits (share of deposits) | 46.3% |
| Noncurrent loans (share of loans) | 12.68% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 33.9% |
| Real estate loans (share of loans) | 106.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $143.85M | 106.7% | |
| Commercial & industrial | $601.00K | 0.4% | |
| Consumer / individual | $91.00K | 0.1% | |
| Construction & development | $14.77M | 11.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $656.17M | $530.92M | $339.00K | $119.25M |
| Jun 2023 | $597.62M | $470.34M | $1.14M | $121.32M |
| Jun 2024 | $584.95M | $452.56M | $1.43M | $125.75M |
| Jun 2025 | $573.72M | $440.18M | $2.62M | $126.70M |
| Jun 2026 | $529.98M | $397.51M | $1.43M | $127.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $397.51M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $397.51M.
Similar-sized banks
First Montana Bank, Inc. ($530.27M) · Lake Elmo Bank ($529.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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