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The Berkshire Bank

IDRSSD: 1396764
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #1396764 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Stable

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.12% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 43.4%, cash 43.9% of assets.

Cash / Assets
43.91%
Loans / Deposits
43.45%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.08%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 66.78%, CET1 66.78%, leverage 22.57%.

Tier 1 RBC
66.78%
CET1
66.78%
Leverage
22.57%
No watch items at this period.

Asset Quality

WatchQoQ -6
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.12%, Texas Ratio 7.0%, NCO YTD 0.00%.

Adjusted NPL
5.12%
Govt-guarantees stripped
Texas Ratio
7.0%
NCO YTD
0.00%
30-89 PD
7.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.12% (govt-guarantees stripped).

Reserves

StableQoQ 0
69
Sub-score

Reserves are stable: ALLL 4.46% of loans, coverage 91.1%, true coverage 86.6%.

ALLL / Loans
4.46%
Coverage
91.1%
True Loss Coverage
86.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 06:09:39 UTC