# LEGACY BANKS
PITTSFIELD, MA · FDIC certificate 90265 · asset band $300M-1B · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $879.1M | |
| Deposits | $660.9M | |
| Loans and leases | $588.1M | |
| Total equity | $102.4M | |
| Loans / deposits | 87.67% (p74 of band) | 78.35% |
| Liquid assets / assets | 24.28% (p39 of band) | |
| Uninsured deposits / deposits | 12.48% (p53 of band) | 11.83% |
| Brokered deposits | 0.81% | |
| Wholesale funding | 13.21% (p71 of band) | |
| FHLB advances / assets | 11.99% | |
| Tier 1 leverage | 9.00% (p42 of band) | 9.34% |
| Unrealized securities loss / equity | 1.36% (p33 of band) | 2.85% |
| AOCI / equity | 0.89% (p40 of band) | |
| ROA (annualized) | 0.49% (p37 of band) | 0.66% |
| Net interest margin | 3.09% (p16 of band) | 3.72% |
| Efficiency ratio | 76.65% (p68 of band) | |
| Noncurrent loans | 2.02% (p47 of band) | 2.17% |
| Net charge-offs (annualized) | 0.09% (p30 of band) | |
| Reserve coverage of noncurrent | 73.05% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 31.24% (p43 of band) | |
| Auto loans | $1.3M (0.22% of loans; DQ 0.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 160 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |

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

- 2026-03-23 [Bank of America's legacy of building the American dream - Fox Business](https://news.google.com/rss/articles/CBMihwFBVV95cUxObjRGWjh5Q2p0Y0tORmxvdXhJU0hQMi12NHFLNVZHaG91RHRLSkVtTjBxZTczakd0NjZRcnhaemg2NnJVbVRLSmtHMlZ6Y2xFYk5vazVwaWtTdmxiM0ZuMVN1U0VQMGdqOVRUR2lUc2JUMmVZR3FQNjRjUkVzUmcxaGtsR0dWQUnSAYwBQVVfeXFMTlU5ZnItbGtmNmRMSzNGNmlRNnJ4UXRINHlEUjNxb0VUbDJNekNEUG9HT1IzLV9JUmE1OFlrOWxhUDhodDJDWWpuWk5GSWhScGE3V1lGQ3E2NVVtdFlHU1N4a1dWeVc1Tl82dWZveTJGUms4eEpjMGRUSzhEal91TF9PYjBiNzJsUWo1dG4?oc=5) · Fox Business
- 2019-09-25 [Berkshire Bank, Legacy Create $4B Financial Entity - iBerkshires.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPZEpvZE1IWWNNemhLX0VNdHpBRnRCMF9XTFFCd0h3anpVWU9SYUtJUHdMNlUtMzhMblEtRVhyODhPV2pxY3lib1J2VU1yWGY4UWRtb0NoZWxpMkc5N2F5bU5KZG1mU2xmTDQxempVNE1zMkZyamt3VGpzY1p5M1VWdzltNW5uMDJmeU5hMmFnWG5qQ01iUzdFZA?oc=5) · iBerkshires.com
- 2021-04-19 [How Banks Are Seizing Opportunities to Move Beyond Traditional Bank Products - paymentsjournal.com](https://news.google.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?oc=5) · paymentsjournal.com
- 2026-02-05 [America’s Best Financial Services of 2026 - Time Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTFBoTkN6VU5WZHhwQjZqdk9LVVdGTUdJVHUyX2NBR09wOGVaOWtkaGNJeWpBeG1QZGh4Zk9GSE1nVkgtUzRZYUxSeGlNUUJFU0xCdG0wc0xLbHM0MXRPSEc3X2hJVTZuUWxHUTJaMWZnNVE?oc=5) · Time Magazine
- 2024-07-22 [BUSINESS BRIEFS: BerkShares welcomes Sooja Whalen; BFAIR welcomes Noelle Crawford; Berkshire Bank promotes Rob Nichols; Boyd Biomedical selected as catalyst member; Fairview Hospital receives awards; MCLA receives accreditation; Berkshire Fi - The Berkshire Edge](https://news.google.com/rss/articles/CBMixgJBVV95cUxOMkY0OVA5ZG9QZDktcVRPSmtvSER3RnExSGtmZjlRMDMwRXBMNEczWEtyemxCalhSbEd6ZzMxYi1zQk96UGh2Y0RFQ0UyME5TRjdaYTBlM2c1SlZaQUVJTHM0dGFKb1YyUG5VcEVKVW42RGVNb20xaFlNYlF3TFJwdm9mVnktS1UzeEhkeFRHQkloclA3MGVZd2hZNEl6alFXXzNWWC1felJBVjBDSGJLT0k0aFFNSWlOSHZSTk5rWWlub0NzdlVDa0t3bkJuTnBjRUQ3WGtBM09yN194TDlIVENrekxLUUFxT3d4V0JJWG1mN1h3cWQwcTNUaXlWX3JqWGZKZHU0WERJZFhDV1hhelVVbVdPS3pMVjBhclVlZFpJRmg3U1gzd3FPUVR3a3BFZnVDdTQ3UFd6Wi1lMUlac0o4eHppdw?oc=5) · The Berkshire Edge
- 2023-07-06 [Smart Banking: Staying ahead of the curve - fintechmagazine.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOR2xuSnJJVGpuVk5xa1I1NExGS2hvWGpKVHUwd1h0elJ3R0hZTHB5T3RHTi1EQzF0NTRaTFRIUkp4TGxKNXZKQXVwOEg3TnRWSTU5YkNtUGV0elhOM1p5N0FCdU5WT3JtSVFZd2VYV3JsaWhESDNnZkNENmxjYXc4UmkyRQ?oc=5) · fintechmagazine.com
- 2024-12-19 [Revolut Leads Digital Banking Surge in The UK as Downloads Top Legacy Banks - Finance Magnates](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOWnVZeGh5VGV4OFQ3LTZ6dlpab2pIeTNON2lsZmczdzVCTFJ2WHZiS0xSWERjOHhSQUJfZkxJenhOSnVpX1FZOC11UlZhRDI2a3pjV285R2F4bVlmWWtSX0VIcjFkWmVWU3RFaGxFVzRUd0VQbHdlVTAydHc4WGpFWF9Fb09LZ19kYkFxa3FlZGNTTm1lYk9YSFNGTUhhTDd1OTM5cUY4YmRsSTZXZDVVeDhCYnUxakxLZzEtTF95aEFNZ1k?oc=5) · Finance Magnates
- 2019-10-30 [Longtime banker Bill Ryan to step down as Berkshire's chair - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPdmd1NEx4ajBsRDlCU0Y4YU5jNHRrNWVydFlvZjQtajc2R3hpXzhBQ1dXNjVxendJSWtCd09JNndrdWFkSHYyXzJYV0dad1hlQk5BNFhmdC1OUERxbnhXXzQxNjJkeTdEUldNTWg4YTBBWVpWcGd0VktRQzk2dmtWWGRndm1zSnFlb0F5VlMyXzNobDFrOTl5SU9paE15WFpIS3IwYWJCVm5FQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90265 (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/25.json (key "90265", 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