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The Berkshire Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #1396764 2025-Q2 Vital Signs Score: 81/100 — 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 6.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 38.9%, cash 49.5% of assets.

Cash / Assets
49.51%
Loans / Deposits
38.86%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.99%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 75.70%, CET1 75.70%, leverage 21.98%.

Tier 1 RBC
75.70%
CET1
75.70%
Leverage
21.98%
No watch items at this period.

Asset Quality

WatchQoQ 0
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.29%, Texas Ratio 7.7%, NCO YTD 0.00%.

Adjusted NPL
6.29%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.00%
30-89 PD
10.47%
Band 0.3% / 3.0%
90+ PD
0.51%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.29% (govt-guarantees stripped).

Reserves

StableQoQ 0
66
Sub-score

Reserves are stable: ALLL 5.09% of loans, coverage 85.4%, true coverage 81.5%.

ALLL / Loans
5.09%
Coverage
85.4%
True Loss Coverage
81.5%
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