The Berkshire Bank is a state-chartered bank headquartered in New York, New York, in business for about 37 years. At the end of Q2 2026 it reported $530.0M in total assets and $397.5M in deposits, with 7 offices.
The Berkshire Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 89th. Capital cushion contributes the most (100/100, 24.16%); loan quality contributes the least (0/100, 12.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (60 → 55), mostly because the earnings component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 58 |
| Q1 2025 | 58 |
| Q2 2025 | 60 |
| Q3 2025 | 58 |
| Q4 2025 | 57 |
| Q1 2026 | 54 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.83% |
| Q3 2024 | 22.46% |
| Q4 2024 | 22.58% |
| Q1 2025 | 22.69% |
| Q2 2025 | 21.99% |
| Q3 2025 | 22.37% |
| Q4 2025 | 23.19% |
| Q1 2026 | 24.15% |
| Q2 2026 | 24.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.26% |
| Q3 2024 | 4.30% |
| Q4 2024 | 4.89% |
| Q1 2025 | 5.72% |
| Q2 2025 | 5.97% |
| Q3 2025 | 6.34% |
| Q4 2025 | 10.89% |
| Q1 2026 | 11.16% |
| Q2 2026 | 12.68% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $530.0M | 24.16% | 12.68% | 0.53% | 33.9% |
| Q1 2026 | 54 | $542.3M | 24.15% | 11.16% | 0.38% | 35.1% |
| Q4 2025 | 57 | $536.3M | 23.19% | 10.89% | 0.71% | 36.8% |
| Q3 2025 | 58 | $572.3M | 22.37% | 6.34% | 0.73% | 36.2% |
| Q2 2025 | 60 | $573.7M | 21.99% | 5.97% | 0.90% | 38.9% |
| Q1 2025 | 58 | $585.3M | 22.69% | 5.72% | 0.61% | 40.1% |
| Q4 2024 | 58 | $587.9M | 22.58% | 4.89% | 0.56% | 43.4% |
| Q3 2024 | 58 | $589.7M | 22.46% | 4.30% | 0.59% | 49.9% |
| Q2 2024 | 57 | $584.9M | 21.83% | 4.26% | 0.49% | 50.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cross County Savings BankBank Middle Village, NY | 56 out of 100, Moderate | $525.4M | 12.8% | 2.21% | vs |
| Rondout Savings BankBank Kingston, NY | 64 out of 100, Moderate | $512.0M | 9.8% | 0.19% | vs |
| Piermont BankBank New York, NY | 62 out of 100, Moderate | $505.1M | 12.7% | 0.00% | vs |
| Champlain National BankBank Elizabethtown, NY | 71 out of 100, Strong | $497.1M | 10.9% | 0.25% | vs |
| Fulton Savings BankBank Fulton, NY | 88 out of 100, Very strong | $492.3M | 31.4% | 0.70% | vs |
| Wallkill Valley Federal Savings and Loan AssociationBank Wallkill, NY | 68 out of 100, Moderate | $485.0M | 9.2% | 0.00% | vs |
Deposit insurance
Is my money safe at The Berkshire Bank?
Yes. The Berkshire Bank is an FDIC-insured institution (FDIC certificate #27503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.3% of deposits ($184.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 24.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 95.00% (benchmark: 10%).
7 locations
Branches
The Berkshire Bank lists 7 offices in 5 cities. Most locations:
- New York, NY (3)
- Brooklyn, NY (1)
- Goshen, NY (1)
- Harriman, NY (1)
- New York City, NY (1)
Identity & history
Profile
- Legal name
- The Berkshire Bank
- Type
- State-chartered bank
- FDIC certificate #
- 27503
- RSSD ID
- 1396764
- Primary regulator
- FDIC
- Holding company
- Berkshire Bcorp Inc
- Established
- May 8, 1989
- Headquarters
- 4 E 39th St, New York, NY 10016
- Website
- www.berkbank.com
- Employees
- 75
Quick answers
The Berkshire Bank: common questions
Is The Berkshire Bank FDIC insured?
Yes. The Berkshire Bank is an FDIC-insured institution (FDIC certificate #27503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Berkshire Bank's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Berkshire Bank ever failed?
There is no failure record for FDIC certificate #27503 in the FDIC failed bank list.
How many branches does The Berkshire Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |