🏦Bank Scorer

THE BERKSHIRE BANK

NEW YORK, NY · Supervised by FDIC

Est. 1989FDIC #27,503RSSD: FDIC-27503
Part ofBERKSHIRE BCORP INC→ View all charters
Needs to Improve Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.38%

Institution Profile

FDIC BankFind

Address

4 E 39th St, NEW YORK, NY

County

New York County

Established

May 8, 1989

Total Assets

$542M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

December 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$542M

Total Deposits

$410M

Net Loans

$144M

Net Income

$507K

ROA

0.38%

ROE

1.60%

Risk-Based Capital

89.30%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.19%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$440M

1-Year Change

0

5-year net change: -4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,38262.85%20.19%
20232,37465.63%18.58%
20222,48565.92%18.15%
20212,56362.93%18.57%
20202,87558.54%18.68%
20192,48858.6%22.91%
20182,31458.95%23.55%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

13 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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