Berkshire Bank (FDIC #27503): Bank Stress & Real-Estate Credit Exposure

Berkshire Bank (FDIC Cert #27503): bank stress 40/100, contained, STABLE over 7 days; parent BERKSHIRE BCORP INC.

Berkshire Bank (#27503) lends in 3 counties across 1 state; Berkshire Bank (#27503) reaches 162 ZIP codes: New York 3 counties, 162 ZIPs.

Berkshire Bank (#27503) largest markets: New York County, NY (210 branches, 70 ZIPs) (#27503), Orange County, NY (104 branches, 52 ZIPs) (#27503), Kings County, NY (80 branches, 40 ZIPs) (#27503).

Berkshire Bank (#27503) reports $530.0 million in total assets; Berkshire Bank (#27503) equity $127.5 million (24.1% of Berkshire Bank (#27503) assets); Berkshire Bank (#27503) domestic deposits $397.5 million; Berkshire Bank (#27503) net income $1.4 million; Berkshire Bank (#27503) return on assets 0.53%; Berkshire Bank (#27503) return on equity 2.26%; Berkshire Bank (#27503) net interest income $9.4 million; Berkshire Bank (#27503) call report June 30, 2026.

Berkshire Bank (#27503) noncurrent real-estate loans: none reported; Berkshire Bank (#27503) net charge-offs on real estate 12.73%; Berkshire Bank (#27503) residential charge-offs 7.97%.

Berkshire Bank (#27503) net interest margin 3.59% against an eight-quarter Berkshire Bank (#27503) average of 3.56% (Berkshire Bank (#27503) compression -0.03 points); Berkshire Bank (#27503) non-residential real estate 797.1% of equity; Berkshire Bank (#27503) rate-exposure score 40/100, Berkshire Bank (#27503) fixed-rate trap 40/100; Berkshire Bank (#27503) risk type credit driven; Berkshire Bank (#27503) rate regime rates elevated, Berkshire Bank (#27503) snapshot October 19, 2026.

Berkshire Bank (#27503) stress score moved from 42.6 on June 22, 2026 to 40.5 on October 19, 2026; Berkshire Bank (#27503) ranged 40.5 to 42.6 over 116 snapshots.

Berkshire Bank (#27503) alerts: 3 counties; top Berkshire Bank (#27503) alert scores: New York County, NY 39 (moderate); Brooklyn County, NY 18 (low); Harriman County, NY 18 (low).