BlastPoint's Banking Scorecard
The Berkshire Bank
Community
Specialty: Other
NY
FDIC cert 27503
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
The Berkshire Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 46.29% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 10.97% above tier
- - Nonperforming Asset Ratio 2.71% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$536.3M
-8.8% YoY
-6.3% QoQ
|
-$855.1M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$148.6M
-24.4% YoY
-6.4% QoQ
|
-$826.8M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$404.2M
-10.7% YoY
-7.8% QoQ
|
-$760.4M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.71%
+25.7% YoY
-3.2% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.64%
+2.5% YoY
+0.3% QoQ
|
-0.03% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
68.56%
-5.4% YoY
+0.4% QoQ
|
+5.93% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
11.60%
+126.4% YoY
+72.4% QoQ
|
+10.97% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
36.77%
-15.4% YoY
+1.5% QoQ
|
-46.29% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.82%
+11.4% YoY
+6.3% QoQ
|
+2.77% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
3.21%
+87.4% YoY
+72.2% QoQ
|
+2.71% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
84.72%
+26.9% YoY
+4.8% QoQ
|
+74.48% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.41%
+55.8% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
36.77%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
11.60%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.21%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 36.77% · Tier avg: 83.06%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.82% · Tier avg: 21.05%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
30
30th pctile
Efficiency Ratio
Current: 68.56% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
5
5th pctile
Total Assets
Current: $536.3M · Tier avg: $1.4B
1
1th pctile
Total Deposits
Current: $404.2M · Tier avg: $1.2B
1
1th pctile
Total Loans
Current: $148.6M · Tier avg: $975.5M
0
0th pctile
Delinquency Rate
Current: 11.60% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 11.60% · Tier avg: 0.63%
1
1th pctile
Total Loans
Current: $148.6M · Tier avg: $975.5M
1
1th pctile
Total Deposits
Current: $404.2M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $536.3M · Tier avg: $1.4B
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
30
30th pctile
Efficiency Ratio
Current: 68.56% · Tier avg: 62.63%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.82% · Tier avg: 21.05%
98
98th pctile
Loan-to-Deposit Ratio
Current: 36.77% · Tier avg: 83.06%