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The Berkshire Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #1396764 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.91% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 35.1%, cash 58.6% of assets.

Cash / Assets
58.62%
Loans / Deposits
35.10%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.39%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 87.99%, CET1 87.99%, leverage 24.15%.

Tier 1 RBC
87.99%
CET1
87.99%
Leverage
24.15%
No watch items at this period.

Asset Quality

StableQoQ +4
60
Sub-score

Asset quality is stable: Adjusted NPL 11.91%, Texas Ratio 12.3%, NCO YTD 0.00%.

Adjusted NPL
11.91%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
0.00%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.91% (govt-guarantees stripped).

Reserves

WatchQoQ 0
47
Sub-score

Reserves are deteriorating: ALLL 6.30% of loans, coverage 56.4%, true coverage 54.9%.

ALLL / Loans
6.30%
Coverage
56.4%
True Loss Coverage
54.9%
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