BERKSHIRE BCORP INC is the bank holding company. THE BERKSHIRE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

BERKSHIRE BCORP INC

Legal name: BERKSHIRE BANCORP INC.

1 active bank · $542M combined assets

RSSD ID: 2728157 (FFIEC NIC)

Combined Assets

$542M

CRA Rating Summary

Needs to Improve1charter

Across all 14 exams on record for this holding company's charters, 71% resulted in Outstanding or Satisfactory.

Primary bankTHE BERKSHIRE BANKNEW YORK, NYNeeds to Improve$542MView profile →

At a Glance

Dominant CRA Rating

Needs to Improve

1 of 1 bank · Falls short on community lending

Combined Assets

$542M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$410M

Net Income

$507K

ROA (avg)

0.38%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

2,382

Origination Rate

62.85%

Denial Rate

20.19%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE BERKSHIRE BANK	NEW YORK, NY	FDIC	$542M	100.0%	Needs to Improve	Dec 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.