Berkshire Hills Bancorp, Inc. (BHLB): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Berkshire Hills Bancorp, Inc. (BHLB), einem dynamischen Finanzinstitut, das traditionelles Community Banking meisterhaft mit innovativen digitalen Lösungen verbindet. Dieses umfassende Business Model Canvas zeigt, wie BHLB sich strategisch in der komplexen Bankenlandschaft bewegt und personalisierte Finanzdienstleistungen anbietet, die lokale Gemeinschaften nahtlos mit modernsten Technologieplattformen verbinden. Von ihrem robusten Filialnetz bis hin zur hochentwickelten digitalen Infrastruktur demonstriert die Bank einen einzigartigen Ansatz für modernes Banking, bei dem Kundenbeziehungen, technologische Innovation und regionale Wirtschaftsunterstützung im Vordergrund stehen.

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianz mit lokalen Unternehmen und Gemeinschaftsorganisationen

Ab 2024 unterhält Berkshire Hills Bancorp strategische Partnerschaften mit etwa 250 lokalen Unternehmen in Massachusetts, Connecticut und New York. Das Community-Partnerschaftsnetzwerk der Bank umfasst:

• Lokale Handelskammern in 35 Regionalgemeinden
• Entwicklungszentren für Kleinunternehmen in 12 Landkreisen
• Wirtschaftsförderungsunternehmen in primären Betriebsregionen

Partnerschaftstyp	Anzahl der Partnerschaften	Jährliche wirtschaftliche Auswirkungen
Lokale Unternehmensnetzwerke	250	47,3 Millionen US-Dollar
Gemeinschaftsorganisationen	87	22,6 Millionen US-Dollar

Partnerschaften mit Finanztechnologie-Dienstleistern (Fintech).

Berkshire Hills Bancorp arbeitet mit sieben Fintech-Dienstleistern zusammen, um die Möglichkeiten des digitalen Bankings zu verbessern.

• Digitale Zahlungsabwicklungsplattformen
• Anbieter von Mobile-Banking-Technologie
• Partner für Cybersicherheitslösungen

Kategorie „Fintech-Partnerschaften“.	Anzahl der Anbieter	Jährliche Technologieinvestition
Digitale Banking-Lösungen	4	3,2 Millionen US-Dollar
Cybersicherheitspartnerschaften	3	1,7 Millionen US-Dollar

Zusammenarbeit mit regionalen Investitions- und Kreditnetzwerken

Die Bank pflegt aktive Partnerschaften mit 42 regionalen Investment- und Kreditnetzwerken.

Netzwerktyp	Anzahl der Netzwerke	Gesamtvolumen der Netzwerkkredite
Regionale Investitionsnetzwerke	23	512 Millionen Dollar
Netzwerke zur Zusammenarbeit bei der Kreditvergabe	19	387 Millionen Dollar

Beziehungen zu Versicherungs- und Vermögensverwaltungsunternehmen

Berkshire Hills Bancorp hat Partnerschaften mit 15 Versicherungs- und Vermögensverwaltungsunternehmen aufgebaut.

Kategorie „Partnerschaft“.	Anzahl der Firmen	Jährlicher Gemeinschaftsumsatz
Versicherungspartnerschaften	8	14,6 Millionen US-Dollar
Kooperationen im Bereich Vermögensverwaltung	7	22,3 Millionen US-Dollar

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 betreibt Berkshire Hills Bancorp 98 Full-Service-Filialen in Massachusetts, New York und Connecticut. Das gemeldete Gesamtvermögen betrug 13,4 Milliarden US-Dollar, die Gesamteinlagen beliefen sich auf 10,7 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliches Kreditportfolio	5,2 Milliarden US-Dollar
Verbraucherkreditportfolio	3,9 Milliarden US-Dollar
Kredite für kleine Unternehmen	1,6 Milliarden US-Dollar

Hypothekendarlehen und -vergabe

Das Hypothekenkreditvolumen belief sich im Jahr 2023 auf insgesamt 1,2 Milliarden US-Dollar, wobei der Schwerpunkt auf der Finanzierung von Wohn- und Gewerbeimmobilien lag.

• Vergabe von Wohnhypotheken: 892 Millionen US-Dollar
• Hypothekendarlehen für gewerbliche Immobilien: 308 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 425.000 $

Entwicklung einer digitalen Banking-Plattform

Im Jahr 2023 beliefen sich die Investitionen in digitales Banking auf 18,3 Millionen US-Dollar, wobei 67 % der Kunden aktiv Online- und Mobile-Banking-Plattformen nutzten.

Digitale Plattformmetrik	Leistung 2023
Mobile-Banking-Benutzer	142,000
Online-Banking-Benutzer	198,000
Digitales Transaktionsvolumen	3,4 Millionen monatlich

Vermögensverwaltung und Finanzberatungsdienste

Das Segment Vermögensverwaltung verwaltete im Jahr 2023 ein verwaltetes Vermögen (AUM) in Höhe von 2,7 Milliarden US-Dollar.

• Gesamtzahl der Vermögensverwaltungskunden: 12.400
• Durchschnittlicher Wert des Kundenportfolios: 217.000 USD
• Einnahmen aus Beratungsgebühren: 42,6 Millionen US-Dollar

Risikomanagement und Compliance-Überwachung

Die Investitionen in Compliance und Risikomanagement beliefen sich im Jahr 2023 auf insgesamt 22,5 Millionen US-Dollar, mit einem engagierten Team von 86 Fachleuten.

Risikomanagement-Metrik	Daten für 2023
Compliance-Mitarbeiter	86 Profis
Budget zur Einhaltung gesetzlicher Vorschriften	22,5 Millionen US-Dollar
Bewertungen für behördliche Prüfungen	Durchweg „zufriedenstellend“

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Ab dem vierten Quartal 2023 ist Berkshire Hills Bancorp tätig Insgesamt 136 Bankfilialen in ganz Massachusetts und Connecticut. Die geografische Verteilung ist wie folgt:

Staat	Anzahl der Filialen
Massachusetts	98
Connecticut	38

Digitale Banking-Infrastruktur

Zu den wichtigsten technologischen Ressourcen gehören:

• Mobile-Banking-Plattform mit 72.000 aktiven digitalen Nutzern
• Online-Banking-System, das 85 % der Kundentransaktionen unterstützt
• Fortschrittliche Cybersicherheitsinfrastruktur mit einer jährlichen Investition von 4,2 Millionen US-Dollar

Humankapitalressourcen

Zusammensetzung der Belegschaft ab 2023:

Mitarbeiterkategorie	Gesamtzahl
Gesamtzahl der Mitarbeiter	1,237
Geschäftsleitung	87
Finanzprofis	456

Finanzielle Ressourcen

Finanzstabilitätskennzahlen für 2023:

• Gesamtvermögen: 14,3 Milliarden US-Dollar
• Kernkapitalquote: 12,4 %
• Gesamtkapitalreserven: 1,8 Milliarden US-Dollar

Technologische Systeme

Investitionen in Banktechnologie im Jahr 2023:

• Kosten für die Modernisierung des Kernbankensystems: 6,7 Millionen US-Dollar
• Budget für die Integration von KI und maschinellem Lernen: 3,5 Millionen US-Dollar
• Investition in die Cloud-Computing-Infrastruktur: 2,9 Millionen US-Dollar

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Wertversprechen

Personalisierte Bankerfahrung für lokale Gemeinschaften

Im vierten Quartal 2023 bedient Berkshire Hills Bancorp 142 Bankbüros in Massachusetts, Connecticut, Vermont und New York. Die Bank meldete eine Bilanzsumme von 14,3 Milliarden US-Dollar und Gesamteinlagen von 10,8 Milliarden US-Dollar.

Geografischer Fußabdruck	Anzahl der Filialen	Gesamtvermögen
Massachusetts	68	8,2 Milliarden US-Dollar
Connecticut	35	3,9 Milliarden US-Dollar
Vermont	22	1,5 Milliarden US-Dollar
New York	17	0,7 Milliarden US-Dollar

Umfassende Finanzlösungen für Privatpersonen und Unternehmen

Im Jahr 2023 stellte Berkshire Hills Bancorp verschiedene Finanzprodukte bereit:

• Gewerbliches Kreditportfolio: 7,6 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 3,2 Milliarden US-Dollar
• Verbraucherkreditportfolio: 1,5 Milliarden US-Dollar
• Bankdienstleistungen für kleine Unternehmen: 22.000 aktive Geschäftskunden

Wettbewerbsfähige Zinssätze und flexible Bankprodukte

Zinssätze für Schlüsselprodukte ab Januar 2024:

Produkttyp	Zinssatz	Mindesteinzahlung
Persönliche Überprüfung	0.01% - 0.10%	$50
Sparkonto	0.15% - 0.35%	$100
Geldmarkt	0.25% - 0.50%	$1,000
Geschäftsprüfung	0.05% - 0.20%	$500

Bequeme digitale und mobile Banking-Plattformen

Digital-Banking-Statistiken für 2023:

• Mobile-Banking-Nutzer: 126.000
• Online-Banking-Transaktionen: 3,4 Millionen monatlich
• Downloads mobiler Apps: 58.000
• Digitale Kontoeröffnungen: 22 % aller neuen Konten

Beziehungsbasiertes Banking mit lokaler Entscheidungsfindung

Lokale Kreditvergabe und Gemeinschaftsinvestitionen im Jahr 2023:

Kategorie	Gesamtbetrag	Anzahl der Transaktionen
Lokale Geschäftskredite	1,3 Milliarden US-Dollar	4,200
Investitionen in die Gemeindeentwicklung	42 Millionen Dollar	180
Lokale gemeinnützige Unterstützung	3,2 Millionen US-Dollar	250

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Kundenbeziehungen

Personalisierter Kundenservice-Ansatz

Im vierten Quartal 2023 meldete Berkshire Hills Bancorp 709 Vollzeitmitarbeiter, die sich mit Kundenservice und Beziehungsmanagement befassen. Die Bank unterhält eine kundenorientiertes Servicemodell mit einer durchschnittlichen Kundenzufriedenheitsbewertung von 4,2 von 5.

Servicemetrik	Wert
Durchschnittliche Reaktionszeit	2,3 Stunden
Kundendienstmitarbeiter	142
Jährliches Kundeninteraktionsvolumen	387.600 Interaktionen

Community-orientiertes Beziehungsmanagement

Berkshire Hills Bancorp bedient 74 Gemeinden in Massachusetts, Connecticut und New York mit einer lokalisierten Beziehungsmanagementstrategie.

• Gemeindebankfilialen: 129
• Lokale Marktdurchdringung: 68 %
• Gemeinschaftsinvestitionsprogramme: 4,2 Millionen US-Dollar im Jahr 2023

Multi-Channel-Kundeninteraktion

Kanal	Aktive Benutzer	Prozentsatz
Mobiles Banking	127,400	42%
Online-Banking	156,200	51%
Filialbesuche	22,600	7%

Regelmäßige Finanzberatung und Beratungsdienste

Im Jahr 2023 führte Berkshire Hills Bancorp 24.300 individuelle Finanzberatungen mit einer durchschnittlichen Beratungsdauer von 47 Minuten durch.

• Vermögensverwaltungskunden: 8.700
• Durchschnittlicher Portfoliowert: 612.000 $
• Finanzplanungssitzungen: 3.200 jährlich

Kundenbindungs- und Kundenbindungsprogramme

Metrik des Treueprogramms	Wert
Kundenbindungsrate	87.3%
Mitglieder des Treueprogramms	62,400
Durchschnittlicher Customer Lifetime Value	$14,200

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Im vierten Quartal 2023 betreibt Berkshire Hills Bancorp insgesamt 129 Bankfilialen in Massachusetts, Connecticut, Vermont und New York.

Staat	Anzahl der Filialen
Massachusetts	72
Connecticut	33
Vermont	15
New York	9

Online-Banking-Plattform

Zu den Funktionen der digitalen Banking-Plattform gehören:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Online-Kontoauszüge

Mobile-Banking-Anwendung

Mobile App-Downloads: 78.500 aktive Nutzer (Stand Dezember 2023).

ATM-Netzwerk

Gesamtes Geldautomatennetzwerk: 187 proprietäre Geldautomaten in allen Serviceregionen

Kundendienst-Callcenter

Kundensupport-Kennzahlen:

• Kundensupport rund um die Uhr
• Durchschnittliche Wartezeit: 3,2 Minuten
• Callcenter-Standorte: 2 Hauptzentren

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreut Berkshire Hills Bancorp rund 163.000 private Privatkunden in Massachusetts, Connecticut und New York.

Kundendemografie	Anzahl der Kunden	Prozentsatz
Persönliche Girokonten	89,500	54.9%
Persönliche Sparkonten	73,500	45.1%

Kleine und mittlere Unternehmen

Berkshire Hills Bancorp unterstützt 12.750 kleine und mittlere Geschäftskunden mit einem gesamten Geschäftskreditportfolio von 1,47 Milliarden US-Dollar (Stand: 31. Dezember 2023).

• Durchschnittliche Kredithöhe für Unternehmen: 215.000 $
• Geschäftsgirokonten: 8.250
• Geschäftssparkonten: 4.500

Lokale Handelsunternehmen

Die Bank betreut 2.350 lokale Gewerbekunden mit einem gewerblichen Immobilienkreditportfolio von 2,93 Milliarden US-Dollar im Jahr 2023.

Kommerzieller Sektor	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelswerbung	850	892 Millionen US-Dollar
Industrielle Werbung	650	1,24 Milliarden US-Dollar
Bürogewerbe	850	798 Millionen US-Dollar

Wealth-Management-Kunden

Berkshire Hills Bancorp verwaltet das Vermögen von 5.600 Kunden mit einem verwalteten Gesamtvermögen von 1,82 Milliarden US-Dollar (Stand Dezember 2023).

• Vermögende Kunden (>1 Million US-Dollar): 1.250
• Mittelständische Vermögensverwaltungskunden: 3.850
• Durchschnittlicher Wert des Kundenportfolios: 325.000 US-Dollar

Regionale Community-Banking-Kunden

Die Bank betreibt 129 Filialen in Massachusetts, Connecticut und New York und betreut rund 38.500 regionale Community-Banking-Kunden.

Staat	Anzahl der Filialen	Community-Banking-Kunden
Massachusetts	82	24,300
Connecticut	27	8,200
New York	20	6,000

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im Jahresbericht 2023 meldete Berkshire Hills Bancorp Gesamtkosten für den Filialbetrieb in Höhe von 98,4 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Belegungskosten	37,600,000
Dienstprogramme	12,300,000
Wartung	8,500,000
Grundsteuern	6,200,000

Wartung von Technologie und digitaler Infrastruktur

Im Jahr 2023 investierte die Bank 24,7 Millionen US-Dollar in die Technologieinfrastruktur.

• Kosten für die IT-Infrastruktur: 14,2 Millionen US-Dollar
• Investitionen in Cybersicherheit: 6,5 Millionen US-Dollar
• Entwicklung digitaler Plattformen: 4 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 187,6 Millionen US-Dollar.

Vergütungskomponente	Betrag ($)
Grundgehälter	132,500,000
Leistungsprämien	28,600,000
Leistungen an Arbeitnehmer	26,500,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen beliefen sich im Jahr 2023 auf insgesamt 16,3 Millionen US-Dollar.

• Regulatorische Berichterstattung: 5,8 Millionen US-Dollar
• Rechts- und Compliance-Mitarbeiter: 7,2 Millionen US-Dollar
• Compliance-Technologie: 3,3 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 11,2 Millionen US-Dollar.

Marketingkanal	Betrag ($)
Digitales Marketing	4,700,000
Traditionelle Werbung	3,900,000
Kundengewinnungsprogramme	2,600,000

Berkshire Hills Bancorp, Inc. (BHLB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Im vierten Quartal 2023 meldete Berkshire Hills Bancorp einen Nettozinsertrag von 163,8 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Prozentsatz
Gewerbeimmobilien	4,2 Milliarden US-Dollar	42%
Wohnhypotheken	2,8 Milliarden US-Dollar	28%
Kommerziell & Industriekredite	2,5 Milliarden US-Dollar	25%
Verbraucherkredite	0,5 Milliarden US-Dollar	5%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 45,3 Millionen US-Dollar, mit folgender Gebührenstruktur:

• Kontoführungsgebühren: 12,6 Millionen US-Dollar
• Transaktionsgebühren: 18,7 Millionen US-Dollar
• Überziehungsgebühren: 8,2 Millionen US-Dollar
• Andere Bankdienstleistungen: 5,8 Millionen US-Dollar

Gebühren für Vermögensverwaltung und Beratung

Der Vermögensverwaltungsumsatz für 2023 wurde erreicht 37,5 Millionen US-Dollar, mit Schlüsselsegmenten wie:

Servicekategorie	Einnahmen
Finanzplanung	14,2 Millionen US-Dollar
Anlageberatung	16,8 Millionen US-Dollar
Vertrauensdienste	6,5 Millionen Dollar

Provisionen für Anlageprodukte

Die Provisionseinnahmen aus Anlageprodukten betrugen im Jahr 2023 22,1 Millionen US-Dollar, verteilt auf:

• Provisionen für Investmentfonds: 8,7 Millionen US-Dollar
• Provisionen für Altersvorsorgeprodukte: 6,9 Millionen US-Dollar
• Provisionen für Maklerdienstleistungen: 6,5 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banking-Transaktionen beliefen sich auf insgesamt 15,6 Millionen US-Dollar im Jahr 2023, mit folgender Aufteilung:

Digitaler Service	Transaktionsgebühren
Mobile Banking-Transaktionen	7,3 Millionen US-Dollar
Online-Rechnungszahlung	4,2 Millionen US-Dollar
Elektronische Geldtransfers	4,1 Millionen US-Dollar

Berkshire Hills Bancorp, Inc. (BHLB) - Canvas Business Model: Value Propositions

You are looking at the core value a customer receives from Berkshire Hills Bancorp, Inc. (BHLB) following its merger of equals, which closed effective September 1, 2025, creating Beacon Financial Corporation. The value proposition centers on scale, deep community focus, and operational improvement.

The primary offering is a full suite of tailored commercial, retail, and wealth management solutions. Before the merger, Berkshire Bank already offered these through its established divisions, which now benefit from increased scale and resources:

• Commercial Banking
• Retail Banking
• Consumer Lending
• Private Banking and Wealth Management

This structure supports a relationship-driven, community-focused banking model. The stated purpose is to empower the financial potential of individuals, families, businesses, and organizations by making banking available where, when, and how it's needed. This commitment is grounded in a history of serving clients and communities for over 175 years.

A key component of the value proposition is the stability and guidance from a combined $24 billion regional franchise. This new scale, achieved through the merger, positions the entity as a premier Northeast financial institution. This scale is supported by a network of more than 145 branch offices across five states, offering greater lending capacity and broader service offerings.

Shareholder value is directly tied to operational improvements, such as the improved efficiency ratio of 56.7% (Q2 2025 operating). This figure represents the best quarterly result since 2019, showing a clear operational benefit derived from the combination, improving from the prior quarter's ratio of 59.5%.

Here's a quick look at the scale and efficiency metrics driving this value:

Metric	Berkshire (Pre-Merger, ~Q1 2025 Context)	Combined Franchise (Pro Forma/Late 2025 Context)
Total Assets	$12.0 billion	Approximately $24 billion
Branch Offices	83	More than 145
Efficiency Ratio (Operating)	59.5% (Q1 2025)	56.7% (Q2 2025)
Total Loans (Q2 2025)	$9.5 billion	Implied growth from combined entity

Finally, the bank leverages its 'Socially Responsible Community Bank' positioning as a market differentiator. This is operationalized through a focus on strengthening communities via four key areas:

• Fueling small businesses
• Community financing and philanthropy
• Financial access and empowerment
• Environmental sustainability

The commitment to purpose and performance is intended to create an ecosystem of positive impact while yielding financial returns. This socially responsible vision is something management believes will continue to set the Berkshire brand apart in the market.

Berkshire Hills Bancorp, Inc. (BHLB) - Canvas Business Model: Customer Relationships

For Berkshire Hills Bancorp, Inc., customer relationships are fundamentally built on a dual approach: deep, personalized service for core clients and streamlined digital access for convenience. This strategy is evident in how the bank structures its client engagement across its subsidiary, Berkshire Bank.

Dedicated MyBanker program for personalized service

While specific participation rates for the Dedicated MyBanker program aren't public, the bank's overall identity is rooted in being a relationship-driven institution. This personalized service model is a core differentiator against larger national banks. The commitment to community and client empowerment is also reflected in broader initiatives; for example, the Community Comeback program impacted more than 800,000 individuals through financial wellness programming. This suggests a heavy investment in direct, high-value customer interaction and education.

High-touch, relationship-driven engagement through branch staff

The high-touch model is supported by a physical footprint designed for local engagement. As of Q2 2025, Berkshire Bank operated 83 financial centers across New England and New York, serving clients of the bank holding company, Berkshire Hills Bancorp, Inc. The focus remains on delivering industry-leading financial expertise through its Commercial Banking, Retail Banking, Private Banking, and Wealth Management divisions. This structure ensures that relationship managers and branch staff are equipped to handle tailored banking solutions for personal, commercial, non-profit, and municipal customers.

Digital self-service tools via mobile and online platforms

The relationship model is actively being modernized through digital adoption. The bank's new digital deposit initiative has shown significant traction, crossing $100 million in program-to-date deposits by Q2 2025, up from approximately $75 million in Q1 2025. Furthermore, the success of this digital push is measurable in new client acquisition; roughly 1 out of 5 new client relationships were originating through digital channels as of Q1 2025. This shows a clear shift in how new relationships start, even within a relationship-focused bank.

You're looking at a bank successfully balancing its legacy service model with modern acquisition channels.

Leveraging CRM functionality for targeted customer outreach

The integration of digital data and relationship management is key to targeted outreach. The success in digital deposit growth and new client acquisition suggests effective use of underlying systems to identify and nurture prospects. While specific CRM metrics are proprietary, the operational efficiency gains, such as the Q2 2025 efficiency ratio of 56.7%, imply streamlined processes that help relationship managers focus on the right clients with the right offers, rather than administrative overhead.

Here are some key figures that define the relationship landscape as of mid-2025:

Metric	Value	Period/Context
Total Assets (Subsidiary)	$12.3 billion	Q2 2025
Financial Centers (Subsidiary)	83	Q2 2025
New Client Relationships via Digital Channels	1 out of 5	Q1 2025
Digital Deposit Initiative Program-to-Date Deposits	Over $100 million	Q2 2025
Individuals Impacted by Financial Wellness Programming	More than 800,000	Program Conclusion (2021-2025)
Projected Branch Offices (Post-Merger)	Over 145	Post-Merger of Equals (2H 2025 Close)

The bank's relationship strategy is supported by several key operational focuses:

• Lending more than $3.5 billion to invest in low- to moderate-income neighborhoods.
• Achieving an operating efficiency ratio of 59.5% in Q1 2025, improving to 56.7% in Q2 2025.
• Maintaining strong capital with a CET1 Ratio of 13.3% (Q1 2025).
• Focusing on deposit relationships across business lines.

Finance: draft the integration plan's customer communication timeline by next Wednesday.

Berkshire Hills Bancorp, Inc. (BHLB) - Canvas Business Model: Channels

You're looking at how Berkshire Hills Bancorp, Inc. connects its value proposition to its customers right at the cusp of a major structural change. The channel strategy for Berkshire Hills Bancorp, Inc. as of late 2025 is a blend of established physical presence and growing digital capability, all set to be significantly scaled by the merger with Brookline Bancorp, Inc.

Physical branch network across New England and New York

The core physical channel for Berkshire Hills Bancorp, Inc. is its network of financial centers, which, as of the Q2 2025 reporting period, stood at 83 locations across New England and New York. This network is the bedrock for relationship banking, especially for commercial and private clients. This physical footprint is about to change dramatically, though.

The announced merger of equals with Brookline Bancorp, Inc., expected to close on September 1, 2025, immediately redefines this channel. The combined entity, Beacon Financial Corporation, is projected to serve the Northeast with over 145 branch offices. This represents a significant physical expansion of the distribution network.

Here's a quick look at the scale shift:

Metric	Berkshire Hills Bancorp, Inc. (Pre-Merger, Mid-2025)	Beacon Financial Corporation (Projected Post-Merger, Late 2025)
Total Assets	$12.0 billion	$24 billion
Financial Centers/Branches	83	Over 145
Primary Geographic Footprint	New England and New York	Northeast Region

The strategic move in 2024 to sell 10 upstate and Eastern New York branches, reducing the footprint from 96 to 86 locations, was an optimization move that concentrates focus before this larger consolidation. Anyway, the immediate channel reality for a BHLB customer in late 2025 is still operating within the 83-branch structure until the full integration in Q1 2026.

Digital channels for account opening and customer journeys

Berkshire Hills Bancorp, Inc. actively pushes clients toward digital self-service for efficiency. The bank specifically highlighted progress on its digital deposit program growth as a key strategic initiative supporting Q2 2025 performance. This signals a clear channel preference for new customer acquisition and routine transaction processing.

The digital channel is critical for streamlining journeys:

• Account opening processes are digitized to reduce friction.
• Routine transactions are migrated away from the teller line.
• Digital platforms support the full suite of retail and commercial services.

Commercial and Private Banking relationship managers

For higher-value services, the relationship manager remains the primary channel interface. Berkshire Hills Bancorp, Inc. has been focused on strengthening this human capital channel, opportunistically recruiting executives and front-line commercial relationship talent with an emphasis on deposit, private banking, and wealth management professionals. This shows where the high-touch sales effort is directed.

The depth of this channel is defined by the complexity of the client portfolios they manage. For instance, a Commercial Relationship Manager II role is structured to manage a portfolio of commercial customers with:

• Annual revenues typically ranging from $10MM to over $200MM.
• Borrowing needs of $3MM or more.

This segment relies on the manager acting as a trusted advisor, connecting the client to the bank's full suite of solutions across Commercial Banking, Private Banking, and Wealth Management divisions.

Mobile banking application and online portal

The mobile banking application and the online portal serve as the always-on digital storefront and service center. While specific active user counts aren't public, the bank's focus on digital deposit growth implies high engagement with these platforms. These portals are where clients manage their accounts, initiate transfers, and access statements.

For investor relations, which is a key channel for stakeholders, the company directs participants to ir.berkshirebank.com for live webcasts and replay access for earnings calls, such as the one for Q2 2025 on July 24, 2025. This demonstrates the portal's role as the official, verifiable source of corporate information. If onboarding takes 14+ days, churn risk rises, so the speed of the digital journey through these portals is defintely a key performance indicator for the bank.

Finance: draft 13-week cash view by Friday.

Berkshire Hills Bancorp, Inc. (BHLB) - Canvas Business Model: Customer Segments

Berkshire Hills Bancorp, Inc. serves a diverse client base across its operational footprint in the New England and New York region. The bank structures its client focus across four primary categories, supported by its various divisions.

Consumer clients in New England and New York region

• The Retail Banking division targets this segment with tailored banking solutions.
• Total end of period deposits were reported at $9.9 billion as of Q1 2025.
• The digital deposits offering showed momentum, crossing $100 million program-to-date as of Q2 2025.
• Average deposits increased by 6% year-over-year as of Q2 2025.

Small Business and Middle Market commercial clients

• Commercial Banking provides services to these clients, with a focus on commercial lending.
• The merger with Brookline Bancorp was noted to combine Berkshire's funding base with Brookline's commercial lending focus in metro markets as of August 2025.
• Broad-based loan growth was evident in Q2 2025, with specific mention of the Commercial and Industrial (C&I) segment.
• Total loans were $9.4 billion at the end of Q1 2025.

High-net-worth individuals for Private Banking and Wealth Management

• The Private Banking and Wealth Management divisions are dedicated to serving this group.
• Berkshire Hills Bancorp, Inc. provides wealth management products as part of its full suite of offerings.

Institutional and municipal depositors

• This segment contributes to the overall funding base through deposits.
• In Q3 2025, the bank saw combined customer deposits increase by $89 million.
• However, in Q3 2025, broker deposits declined by $249 million, and payroll deposits declined by $186 million.

Here's a quick look at the overall balance sheet context as of mid-2025, which frames the scale of these customer relationships:

Metric	Amount (as of June 2025)	Source Context
Total Assets	$12.03 Billion USD	Balance sheet total
Net Assets	$1.22 Billion USD	Balance sheet total
Total Loans (Q1 2025 EoP)	$9.4 billion	Loan portfolio size
Total Deposits (Q1 2025 EoP)	$9.9 billion	Deposit base size
Loan-to-Deposit Ratio (Q3 2025)	96.5%	Funding utilization

To be fair, the Q3 2025 deposit changes suggest some volatility in non-retail funding sources, which is something you'll want to track closely as the integration progresses. The allowance for credit losses stood at $254 million in Q3 2025, with $77 million in specific reserves set aside against approximately $380 million of loans.

Berkshire Hills Bancorp, Inc. (BHLB) - Canvas Business Model: Cost Structure

The Cost Structure for Berkshire Hills Bancorp, Inc. (BHLB) is heavily influenced by funding costs, personnel, and the physical footprint, all while integrating a major acquisition.

Significant interest expense on deposits and borrowings is a primary driver. While the absolute interest expense is embedded within the Net Interest Income calculation, the cost of funding showed improvement in Q2 2025. The cost of deposits decreased to 2.15%, and the overall cost of funds decreased to 2.29% in the second quarter of 2025. Net Interest Income (FTE) for Q2 2025 was reported at $93.8 million. Management noted a benefit from lower reliance on Federal Home Loan Bank (FHLB) borrowing.

Personnel and compensation expenses are noted to be seasonally higher at certain times of the year; for instance, they were seasonally higher in Q1 2025. While the specific Q2 2025 dollar amount for compensation is not explicitly broken out, the overall operating non-interest expense reduction was described as broad based.

The cost associated with the physical network, occupancy and equipment costs, is a fixed component of the structure. As of August 2025, Berkshire Bank operated 83 financial centers in New England and New York. This figure is pre-full integration of the merger, which was expected to close in the third quarter of 2025.

Non-interest operating expenses, which reflect ongoing cost control efforts, were $66.7 million in Q2 2025. This represented a sequential decrease of $1.3 million (or 2%) and a year-over-year decrease of $4.7 million (or 7%).

Merger-related non-operating expenses were present in Q2 2025, totaling $1.5 million, primarily related to the pending integration with Brookline Bancorp. The expected benefit from this integration is a pro forma cost save target set at 12.6%.

Here is a summary of the key cost-related figures from Q2 2025:

Cost Component	Amount / Metric	Period / Context
Operating Non-Interest Expense (Total)	$66.7 million	Q2 2025
Merger-Related Non-Operating Expense	$1.5 million	Q2 2025
Cost of Deposits	2.15%	Q2 2025
Cost of Funds	2.29%	Q2 2025
Net Interest Income (FTE)	$93.8 million	Q2 2025
Pro Forma Cost Save Target	12.6%	Post-Merger Estimate
Branch Network Size	83 financial centers	August 2025 (Pre-full integration)

You should note the following qualitative cost drivers:

• Personnel and compensation expenses are subject to seasonally higher pressures.
• The 83 branch network is expected to be rationalized post-merger to achieve the 12.6% cost synergy goal.
• The decrease in the cost of funds is a direct result of deposit growth initiatives, which helps lower overall funding costs.

Berkshire Hills Bancorp, Inc. (BHLB) - Canvas Business Model: Revenue Streams

The revenue streams for Berkshire Hills Bancorp, Inc. are fundamentally built upon traditional banking activities, heavily weighted toward interest income, supplemented by various fee-based services.

Net Interest Income (NII) remains the primary engine. For the first quarter of 2025, Berkshire Hills Bancorp, Inc. reported Net Interest Income of $89.8 million. By the second quarter of 2025, this figure had grown to $91.9 million (non-FTE).

Loan interest income is directly tied to the size and yield of the loan portfolio. As of Q2 2025, the average total loan portfolio stood at $9.5 billion. The loan yield for Q2 2025 was reported at 5.82%. Period-end loans for Q2 2025 were $9.499 billion.

Non-interest income provides diversification, though it can be more variable. Total operating non-interest income for Q2 2025 was $21.8 million.

The components of this non-interest income are detailed below, showing the reliance on service fees and other sources:

Revenue Component	Q2 2025 Amount	Context/Driver
Operating Non-Interest Income	$21.8 million	Total non-interest revenue for the quarter
Loan-Related Fees	Increased linked quarter	Driven by loan servicing and BOLI gains
SBA Gains	Moderated from prior quarters	Expected to normalize near $2.9 million (Q1 2025 context)
BOLI Gains	Approximately $800,000 above normal	Identified as nonrecurring in Q2 2025
Wealth Management Fees	Not explicitly itemized	Part of the overall Non-Interest Income stream

Deposit-related and loan-related service fees contribute to the overall non-interest income. You can see the specific drivers impacting this revenue line:

• Loan-related fees increased in Q2 2025 due to higher loan servicing fees.
• The bank saw a sequential increase in operating revenue for six consecutive quarters, growing 8% over that period, including a 3% growth linked quarter (Q2 2025 over Q1 2025).
• The efficiency ratio improved to 56.7% in Q2 2025, showing better cost control relative to revenue generation.
• The digital deposit initiative has delivered over $100 million in new deposits since its inception earlier in 2025.

Finance: draft the Q3 2025 revenue projection based on Q2 NIM of 3.27% and expected merger close in September by next Tuesday.