# BERKSHIRE BANK
WYOMISSING, PA · FDIC certificate 57492 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $137.1M | |
| Deposits | $125.8M | |
| Loans and leases | $104.9M | |
| Total equity | $9.8M | |
| Loans / deposits | 82.23% (p72 of band) | 71.80% |
| Liquid assets / assets | 15.84% (p10 of band) | |
| Uninsured deposits / deposits | 3.27% (p19 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.52% (p37 of band) | |
| FHLB advances / assets | 0.52% | |
| Tier 1 leverage | 7.19% (p7 of band) | 9.80% |
| Unrealized securities loss / equity | 0.05% (p16 of band) | 2.62% |
| AOCI / equity | -0.07% (p6 of band) | |
| ROA (annualized) | -0.92% (p8 of band) | 0.68% |
| Net interest margin | 3.60% (p36 of band) | 3.84% |
| Efficiency ratio | 125.04% (p95 of band) | |
| Noncurrent loans | 2.52% (p66 of band) | 1.53% |
| Net charge-offs (annualized) | 0.38% (p75 of band) | |
| Reserve coverage of noncurrent | 52.40% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 57.75% (p80 of band) | |
| Auto loans | $56,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 39 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-05 [Hudson Valley Credit Union to buy 8 Berkshire Bank branches - Banking Dive](https://news.google.com/rss/articles/CBMiigFBVV95cUxPOHBQS3Itc2ZmZ1VuZTFtTzhmOFdQQVNOdWNhVzJxcjdESjVRa25IcGlkR3c5YVFHWTJseXJpaGFEcGVxZDU5QkQwcVB4U3B0S2dUcFFMYU1yOXlDZzVVSUxaSXhlUTlrcUJVaWR5d2R2Rzg5bWJNMkVUc3lKaV9lRXpQYWc3WGFCbmc?oc=5) · Banking Dive
- 2019-02-20 [Berkshire Bank closing three Capital Region branches - Times Union](https://news.google.com/rss/articles/CBMiogFBVV95cUxOM1l1X0lqLUN2VmpZRkVmRXUwTE1oR1dyVnBRWWhNVGNjS1lCWGxINzdnZ2RFNUYxTEt2OGd0aUg5YVRhS3J2aTlBNjJET2IzZ0wxYTNVQTJSQ0ZnbV8zVVdBN1JCM21PbU1oOG9Nb3ZfZjJWaWhZZV8tNlJTNk1LX2d2N1J6VFNZTHNQa1VxNHRVRGFlajhnU1UwX0xDSHdoWWc?oc=5) · Times Union
- 2023-08-21 [Ben Strauss – Berkshire Bank - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMie0FVX3lxTE1IYlotcW8xR1Nsem5oYnFzcmp1TUJvRFY5R0NrRC1PRkZfaHR4QW5RV2RzSm50R0xZSTdGMzRodU5fT3o2dmxJOUQ4M2hhdDVsVXJwN0xXdHVyUG4zWS1uZnNlbVpDRXBDcExUMEFOeDRQcWJERHhNU1poYw?oc=5) · Vanguard Law Magazine
- 2025-08-18 [Berkshire Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMieEFVX3lxTE9uYjF4UGRQVzBXZzJyM2tWVkEycVVFa0JXUzA5WTJEU3huR3NjdU1RWmNWRzlQbTBlZzk4U0psZHo4eVY3WG15SVIwdEZSakZ1RVBfZTBUdk1WVVhRWUVZTXpUSE9OUVUyRk5JcDNJemdXdV9kMWVIaA?oc=5) · SmartAsset
- 2025-09-15 [Berkshire Bank Appoints Janice Ward Head of Fiduciary Services - BusinessWest](https://news.google.com/rss/articles/CBMinAFBVV95cUxQbnlEVUpHWS12MFFrS3VUQ1BsZ25qM3FtbHhLaTdSaEJGWHNzODJ1dUluMzRrbEVzTndkaGZibGY4dDdDTVhpT0pENHUySHdLd2RLdUtIcXNaZ3FzVDgxalFScE44YnBDR01qV2RjZFQ0SnlMdFVxaVRvTElZSGxsOTBsQW5Rd0htQWNlWkxmS3FMeDdRZDVRd09Db1U?oc=5) · BusinessWest
- 2020-02-05 [Philadelphia Fed Appoints New Members to Community Bank Advisory Council - philadelphiafed.org](https://news.google.com/rss/articles/CBMivAFBVV95cUxPY25wLVdSbHZoR0VxeDVsV05tWjhucS00LWU3cVBWNmFsNy1rNnUtS3FMRVB3Nl9tbmpMYWRvZldMeE1NYVBuSFY1NkNQQ2FDUGNLRGZtS2l5NEtrSzd3Y2p3dVc0ZWpLa0NLeUhDODlQdlBpcUZBOF8xNnJkay1jMjV1NTF6bzNBWFY4Njd5V0x0TWdJZzBJWDhxaFNXaXFfbkgtMi1YN05IQVRHWWd5UGFwUWtjQnVHV0ZRSg?oc=5) · philadelphiafed.org
- 2023-01-19 [Berkshire Bank hires new CCO and senior vice president - wbjournal.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQSUpfSUJhWWxEQ0RMWE16eGx4Qlg0ejdhUWVPQk1XeFp2ekh3Q1BHLUFncXlpc2RkeVJKQk1jOVp2Z3NjTmNMS1h6WWYwSzBSS2o2N0hSZUZROHctWlI1SXhZVUczOEVqRmVzalc4Y1MzcDZRelNKYzJadTJzc3ZOdGY2Wmh0eVp4WHhQNVln?oc=5) · wbjournal.com
- 2026-03-06 [Exeter officials approve buying former bank for $1.4 million - Reading Eagle](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVVJVZVpUTFFkSUlUNTFVeGtWUnFObjdLTlVMeE5VLXRVa3BHQVhwSUlwOVg2N0h1SjBiMmFLNU5FbXdLVHFSUzNtbXF3MjJCUDF3TkFpbFNYMmxTcXRQMXNjS2o5ZXg5Z3JwTF9ZYTdrT003THNyUV8talhOM1dvNnRSUi1ZLTRaUDNxMWNDbnlLcElHRHdaUWFYQ2JmVF9zRFE?oc=5) · Reading Eagle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57492 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "57492", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide