Brookline Bancorp, Inc. (BRKL): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Brookline Bancorp, Inc. (BRKL), einem dynamischen regionalen Bankkonzern, der Finanzdienstleistungen durch innovative Ansätze und tiefe gemeinschaftliche Verwurzelung transformiert. Dieses umfassende Business Model Canvas zeigt, wie BRKL durch die komplexe Landschaft des modernen Bankwesens navigiert und traditionelle beziehungsorientierte Dienstleistungen nahtlos mit modernsten digitalen Lösungen verbindet. Durch die strategische Positionierung auf dem Markt von Massachusetts schafft die Bank personalisierte Finanzerlebnisse, die sich an kleine Unternehmen, Immobilieninvestoren und Einzelkunden richten und so ein robustes Ökosystem für finanzielle Stärkung und Wachstum schaffen.

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Immobilienentwickler und Gewerbeimmobilieninvestoren

Ab 2024 unterhält Brookline Bancorp strategische Partnerschaften mit lokalen Immobilienentwicklern in Massachusetts und verfügt über ein Kreditportfolio von 4,86 Milliarden US-Dollar an gewerblichen Immobilienkrediten.

Kategorie „Partnerschaft“.	Anzahl aktiver Partnerschaften	Gesamtkreditvolumen
Gewerbeimmobilienentwickler	87	1,2 Milliarden US-Dollar
Wohnimmobilieninvestoren	63	675 Millionen Dollar

Kleine bis mittlere Unternehmensnetzwerke in Massachusetts

Brookline Bancorp arbeitet mit 215 kleinen und mittleren Unternehmen in ganz Massachusetts zusammen und verfügt über ein Geschäftskreditportfolio von insgesamt 1,45 Milliarden US-Dollar.

• Massachusetts Small Business Network-Partnerschaften: 215
• Gesamtvolumen der Geschäftskredite: 1,45 Milliarden US-Dollar
• Durchschnittliche Kredithöhe: 6,74 Millionen US-Dollar

Gemeinschaftliche Finanzinstitute und regionale Bankennetzwerke

Die Bank hat Partnerschaften mit 42 regionalen Finanzinstituten aufgebaut und ermöglicht so die gemeinsame Kreditvergabe und Finanzdienstleistungen.

Netzwerktyp	Anzahl der Partnerschaften	Insgesamt kollaborative Kreditvergabe
Regionale Bankennetzwerke	42	890 Millionen Dollar
Gemeinschaftliche Finanzinstitute	38	620 Millionen Dollar

Hypothekenmakler und Kreditgeber

Brookline Bancorp arbeitet mit 129 Hypothekenmaklern und Kreditgebern zusammen, mit einem Gesamtvolumen der Hypothekenvergabe von 612 Millionen US-Dollar im Jahr 2024.

• Gesamtzahl der Hypothekenmakler-Partnerschaften: 129
• Volumen der Hypothekenvergabe: 612 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 475.000 $

Technologiedienstleister für digitale Banking-Lösungen

Die Bank unterhält strategische Technologiepartnerschaften mit sieben Anbietern digitaler Banklösungen und investiert 18,3 Millionen US-Dollar in die technologische Infrastruktur.

Technologieanbieter	Erbrachte Dienstleistungen	Jährliche Investition
Anbieter digitaler Banking-Plattformen	Online-Banking-Infrastruktur	7,2 Millionen US-Dollar
Cybersicherheitslösungen	Datenschutz	5,6 Millionen US-Dollar
Mobile-Banking-Technologie	Entwicklung mobiler Apps	5,5 Millionen US-Dollar

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Hauptaktivitäten

Gewerbe- und Wohnkredite

Im vierten Quartal 2023 meldete Brookline Bancorp ein Kreditportfolio von insgesamt 6,98 Milliarden US-Dollar mit folgender Aufteilung:

Kreditkategorie	Gesamtbetrag ($)	Prozentsatz
Gewerbeimmobilien	4,193,000,000	60%
Wohnhypotheken	1,674,000,000	24%
Kommerziell & Industriekredite	1,107,000,000	16%

Verwaltung von Einlagen- und Sparkonten

Gesamteinlagen zum 31. Dezember 2023: 8,64 Milliarden US-Dollar

• Unverzinsliche Einlagen: 1,32 Milliarden US-Dollar
• Verzinsliche Einlagen: 7,32 Milliarden US-Dollar

Bankdienstleistungen für kleine Unternehmen

Wert des Darlehensportfolios für Kleinunternehmen: 892 Millionen US-Dollar

Servicetyp	Anzahl der Konten
Geschäftsgirokonten	12,450
Geschäftssparkonten	6,230

Entwicklung einer digitalen Banking-Plattform

Kennzahlen zum digitalen Banking ab 2023:

• Mobile-Banking-Nutzer: 78.000
• Online-Banking-Nutzer: 95.000
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Risikomanagement und Finanzberatungsdienste

Statistiken zum Risikomanagement:

• Quote notleidender Kredite: 0,62 %
• Rücklage für Kreditverluste: 93,4 Millionen US-Dollar
• Nettoabbuchungssatz: 0,15 %

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankpräsenz in Massachusetts

Seit dem vierten Quartal 2023 betreibt Brookline Bancorp 35 Bankbüros mit umfassendem Service in ganz Massachusetts, hauptsächlich im Großraum Boston. Das gemeldete Gesamtvermögen belief sich auf 9,37 Milliarden US-Dollar.

Geografische Abdeckung	Anzahl der Filialen	Primärer Servicebereich
Massachusetts	35	Großraum Boston

Erfahrenes Management-Team

Managementteam mit einer durchschnittlichen Betriebszugehörigkeit von mehr als 15 Jahren im Bankensektor.

• CEO: Paul Perrault – 25 Jahre Bankerfahrung
• CFO: Christopher Oddleifson – 18 Jahre Führungserfahrung im Finanzbereich
• Durchschnittliche Amtszeit der Führungskräfte: 15,3 Jahre

Robuste digitale Banking-Infrastruktur

Digitale Banking-Plattformen unterstützen ein Gesamtvermögen von 9,37 Milliarden US-Dollar mit fortschrittlichen technologischen Fähigkeiten.

Digitaler Service	Fähigkeit
Mobiles Banking	Vollständige Transaktionsdienstleistungen
Online-Banking	Umfassende Kontoverwaltung

Diversifiziertes Kreditportfolio

Zusammensetzung des Kreditportfolios ab Q4 2023:

• Gewerbeimmobilien: 4,82 Milliarden US-Dollar (51,4 %)
• Wohnimmobilien: 2,65 Milliarden US-Dollar (28,3 %)
• Gewerbliche Geschäftskredite: 1,74 Milliarden US-Dollar (18,6 %)
• Verbraucherkredite: 0,16 Milliarden US-Dollar (1,7 %)

Umfangreiche Kundeneinlagenbasis

Gesamteinlagen im vierten Quartal 2023: 8,24 Milliarden US-Dollar

Einzahlungsart	Betrag	Prozentsatz
Zinsunabhängige Prüfung	1,63 Milliarden US-Dollar	19.8%
Zinsprüfung	2,47 Milliarden US-Dollar	30.0%
Spareinlagen	3,24 Milliarden US-Dollar	39.3%
Festgelder	0,90 Milliarden US-Dollar	10.9%

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Im vierten Quartal 2023 stellte Brookline Bancorp gewerbliche Kredite in Höhe von insgesamt 1,84 Milliarden US-Dollar bereit. Das gewerbliche Kreditportfolio der Bank umfasst:

Kreditkategorie	Gesamtbetrag
Gewerbeimmobilien	1,42 Milliarden US-Dollar
Kommerziell & Industriekredite	420 Millionen Dollar

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zinssätze für wichtige Bankprodukte im Jahr 2024:

Produkt	Zinsspanne
Geschäftsprüfung	0.10% - 0.50%
Unternehmensersparnisse	0.75% - 1.25%
Gewerbliche Kredite	6.75% - 9.50%

Bequeme digitale und physische Bankkanäle

Digital-Banking-Statistiken für 2024:

• Gesamtzahl der Digital-Banking-Nutzer: 78.500
• Downloads von Mobile-Banking-Apps: 42.300
• Online-Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen

Starke, gemeinschaftsorientierte Finanzdienstleistungen

Community-Investitionskennzahlen:

Anlagekategorie	Gesamtbetrag
Gemeindeentwicklungsdarlehen	156 Millionen Dollar
Unterstützung für lokale Kleinunternehmen	87 Millionen Dollar

Flexible Kreditoptionen für unterschiedliche Kundenbedürfnisse

Aufschlüsselung des Kreditportfolios:

• Gesamtkreditportfolio: 3,92 Milliarden US-Dollar
• Wohnimmobilienkredite: 1,58 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 1,42 Milliarden US-Dollar
• Bau- und Landentwicklungskredite: 420 Millionen US-Dollar

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Im vierten Quartal 2023 unterhält Brookline Bancorp insgesamt 441.000 Kundenkonten mit Schwerpunkt auf personalisiertem Service. Die Bank beschäftigt 237 engagierte Kundenbetreuer in ganz Massachusetts und Rhode Island.

Kundensegment	Anzahl der Konten	Durchschnittlicher Kontowert
Persönliches Banking	329,000	$87,500
Geschäftsbanking	112,000	$342,000

Online- und Mobile-Banking-Unterstützung

Digital-Banking-Kennzahlen für Brookline Bancorp im Jahr 2023:

• Mobile-Banking-Nutzer: 214.000
• Online-Banking-Penetration: 68 % des gesamten Kundenstamms
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Community-Engagement und lokale Vernetzung

Die Gemeinschaftsinvestitionen im Jahr 2023 beliefen sich auf insgesamt 4,7 Millionen US-Dollar in 82 lokalen Gemeinschaftsprogrammen und -initiativen.

Dedizierte Kundenbetreuer für Geschäftskunden

Geschäftssegment	Engagierte Manager	Durchschnittliche Portfoliogröße
Gewerbeimmobilien	87	56 Millionen Dollar
Kleines Unternehmen	112	18 Millionen Dollar

Regelmäßige Kundenkommunikation und Finanzberatung

• Touchpoints für die jährliche Finanzübersicht: 2,4 pro Kunde
• Digitale Kommunikationskanäle: E-Mail, mobile App, SMS-Benachrichtigungen
• Finanzberatungsgespräche: 46.000 im Jahr 2023 durchgeführt

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Massachusetts

Ab 2024 ist Brookline Bancorp tätig 38 Bankbüros mit umfassendem Serviceangebot hauptsächlich in Massachusetts ansässig.

Region	Anzahl der Filialen
Großraum Boston	32
Andere Regionen in Massachusetts	6

Online-Banking-Plattform

Die Bank bietet umfassende digitale Bankdienstleistungen mit folgenden Funktionen:

• Kontozugriff rund um die Uhr
• Online-Rechnungszahlung
• Geldtransfers
• E-Kontoauszüge

Mobile-Banking-Anwendung

Zu den Mobile-Banking-Funktionen gehören:

• Mobile Scheckeinzahlung
• Kontostandverfolgung in Echtzeit
• Transaktionsverlauf
• Kartenverwaltung

ATM-Netzwerk

Geldautomatentyp	Nummer
Bankeigene Geldautomaten	22
Gemeinsam genutzte Netzwerk-Geldautomaten	Über 55.000

Kundendienst-Callcenter

Betriebszeiten: Montag bis Samstag von 8:00 bis 20:00 Uhr EST

• Telefonleitungen für den Kundensupport
• Online-Chat-Unterstützung
• E-Mail-Supportkanäle

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Brookline Bancorp etwa 12.500 kleine und mittlere Geschäftskunden in Massachusetts und Rhode Island.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	4,750	$375,000
Professionelle Dienstleistungen	3,250	$425,000
Herstellung	2,500	$550,000
Technologieunternehmen	2,000	$650,000

Lokale gewerbliche Immobilieninvestoren

Das Gewerbeimmobilienportfolio beläuft sich zum 31. Dezember 2023 auf insgesamt 1,8 Milliarden US-Dollar, mit 425 aktiven Immobilieninvestmentkunden.

• Mehrfamilienhäuser: 215 Kunden
• Bürogebäude: 110 Kunden
• Verkaufsflächen: 75 Kunden
• Mischnutzungsprojekte: 25 Kunden

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 85.600, Stand 4. Quartal 2023.

Kundentyp	Anzahl der Konten	Durchschnittlicher Kontostand
Girokonten	52,300	$12,500
Sparkonten	33,300	$22,750

Professionelle Dienstleister

Der Kundenstamm für professionelle Dienstleistungen umfasst 2.750 Kunden aus verschiedenen Branchen.

• Juristen: 850 Mandanten
• Gesundheitsdienstleister: 650 Kunden
• Beratungsunternehmen: 450 Kunden
• Finanzberatung: 350 Kunden
• Wirtschaftsprüfungsgesellschaften: 300 Kunden

Lokale Gemeinschaftsorganisationen

Bankbeziehungen zu Gemeinschaftsorganisationen: 175 aktive Kunden mit Gesamteinlagen von 42,6 Millionen US-Dollar (Stand: 31. Dezember 2023).

Organisationstyp	Anzahl der Kunden	Gesamteinlagen
Gemeinnützige Organisationen	95	22,3 Millionen US-Dollar
Bildungseinrichtungen	45	12,5 Millionen US-Dollar
Religiöse Organisationen	35	7,8 Millionen US-Dollar

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Im dritten Quartal 2023 beliefen sich die Betriebskosten der Brookline Bancorp-Filiale auf insgesamt 24,3 Millionen US-Dollar, darunter:

Ausgabenkategorie	Betrag ($)
Miete und Belegung	8,7 Millionen
Dienstprogramme	3,2 Millionen
Wartung	5,6 Millionen
Sicherheit	2,8 Millionen
Sonstige Betriebskosten	4 Millionen

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf 18,5 Millionen US-Dollar und setzten sich wie folgt zusammen:

• Kernbankensysteme: 6,2 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 4,8 Millionen US-Dollar
• Digitale Banking-Plattformen: 3,9 Millionen US-Dollar
• IT-Support und Wartung: 3,6 Millionen US-Dollar

Vergütung und Zusatzleistungen für Mitarbeiter

Die gesamten mitarbeiterbezogenen Ausgaben beliefen sich im Jahr 2023 auf 95,4 Millionen US-Dollar:

Vergütungskategorie	Betrag ($)
Grundgehälter	62,3 Millionen
Leistungsprämien	12,6 Millionen
Gesundheitsleistungen	9,2 Millionen
Altersvorsorgebeiträge	7,3 Millionen
Weitere Vorteile	4 Millionen

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 12,7 Millionen US-Dollar:

• Personal für Recht und Compliance: 5,3 Millionen US-Dollar
• Prüfung und Berichterstattung: 3,9 Millionen US-Dollar
• Zulassungsgebühren: 2,1 Millionen US-Dollar
• Compliance-Schulung: 1,4 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Kosten für Marketing und Kundenakquise beliefen sich im Jahr 2023 auf 7,6 Millionen US-Dollar:

Kategorie „Marketing“.	Betrag ($)
Digitales Marketing	2,9 Millionen
Traditionelle Werbung	1,8 Millionen
Kampagnen zur Kundengewinnung	2,1 Millionen
Marketingtechnologie	0,8 Millionen

Brookline Bancorp, Inc. (BRKL) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbekrediten

Für das Geschäftsjahr 2023 berichtete Brookline Bancorp 130,1 Millionen US-Dollar an den gesamten Zinserträgen aus gewerblichen Krediten.

Kreditkategorie	Gesamter Zinsertrag
Gewerbeimmobilien	87,4 Millionen US-Dollar
Kommerziell & Industriekredite	42,7 Millionen US-Dollar

Gebühren für Hypothekendarlehen

Die Hypothekarkreditgebühren für das Jahr 2023 betragen insgesamt 18,3 Millionen US-Dollar.

• Gebühren für die Vergabe von Wohnhypotheken: 12,5 Millionen US-Dollar
• Gebühren für die Refinanzierung von Hypotheken: 5,8 Millionen US-Dollar

Servicegebühren für das Einlagenkonto

Servicegebühren für Depotkonten erreicht 9,7 Millionen US-Dollar im Jahr 2023.

Kontotyp	Einnahmen aus Servicegebühren
Girokonten	6,2 Millionen US-Dollar
Sparkonten	3,5 Millionen Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Die Einnahmen aus Wertpapierdienstleistungen betrugen im Jahr 2023 22,6 Millionen US-Dollar.

• Vermögensverwaltungsgebühren: 15,4 Millionen US-Dollar
• Finanzberatungsdienste: 7,2 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banking-Transaktionen beliefen sich auf 5,4 Millionen US-Dollar im Jahr 2023.

Art der digitalen Transaktion	Gebühreneinnahmen
Online-Banking-Transaktionen	3,2 Millionen US-Dollar
Mobile Banking-Transaktionen	2,2 Millionen US-Dollar

Brookline Bancorp, Inc. (BRKL) - Canvas Business Model: Value Propositions

You're looking at the core value delivered by Brookline Bancorp, Inc. (BRKL) just as it transitioned into the larger Beacon Financial Corporation following the September 1, 2025, merger. The value proposition centers on delivering comprehensive banking services backed by newly enhanced scale and a proven operational structure.

The foundation of the value proposition is a full suite of tailored commercial and retail banking solutions. This wasn't just theoretical; the operational structure supported this breadth. For instance, as of June 30, 2025, the entity before the final merger closing held total assets of $11.6 billion, supporting a robust service offering.

A key differentiator was the localized decision-making through a multi-bank division structure. Before the merger, this was executed via subsidiaries like Brookline Bank, Bank Rhode Island (BankRI), and PCSB Bank, each serving specific geographic areas in Massachusetts, Rhode Island, and New York. This structure allowed for a community-focused approach even within a larger holding company framework.

This structure also enabled specialized financial services like equipment and SBA lending. The ability to offer niche financing was supported by dedicated non-bank subsidiaries, such as equipment financing through Eastern Funding and Small Business Administration (SBA) lending via 44 Business Capital. This specialized capability allowed the bank to attract larger Small to Medium Enterprise (SME) customers.

The strategic merger completed in late 2025 immediately provided enhanced scale and resources from the $24 billion combined entity. This new scale, achieved with Berkshire Hills Bancorp, positions the resulting franchise to offer greater lending capacity and improved competitive positioning across the Northeast.

Performance metrics from the immediate pre-merger period underscore the operational efficiency being carried forward. The bank demonstrated strong margin management, achieving an improved net interest margin (NIM) of 3.32% in Q2 2025, up 10 basis points from the prior quarter. This margin expansion was driven by lower funding costs and higher asset yields, which translated to a Net Interest Income of $88.7 million for that quarter.

Here's a quick look at the financial strength underpinning these propositions as of the second quarter of 2025:

Metric	Value (Q2 2025)	Context
Net Interest Margin (NIM)	3.32%	Up 10 basis points quarter-over-quarter
Net Interest Income	$88.7 million	Increase of $2.9 million from Q1 2025
Net Income	$22.0 million	Resulting in $0.25 per basic and diluted share
Total Assets (as of 6/30/2025)	$11.6 billion	Pre-merger balance sheet size
Quarterly Dividend	$0.135 per share	Maintained for the quarter ended June 30, 2025

The value delivered is a combination of scale and specialized service, which is now amplified. The commitment to clients is evident in the stable asset quality, with the Non-Performing Loan (NPL) ratio holding at 0.65% in Q2 2025.

The core value propositions can be summarized by the capabilities they offer:

• Delivering a comprehensive commercial and retail product set.
• Maintaining localized service via distinct bank divisions.
• Providing specialized financing like SBA and equipment loans.
• Leveraging the new $24 billion franchise scale.
• Operating from a foundation of a 3.32% NIM.

Finance: draft pro-forma capital adequacy projection for the new entity by Friday.

Brookline Bancorp, Inc. (BRKL) - Canvas Business Model: Customer Relationships

You're looking at the customer relationship strategy right after the September 1, 2025, merger of equals with Berkshire Hills Bancorp, which created Beacon Financial Corporation and its operating subsidiary, Beacon Bank & Trust, commonly called Beacon Bank. The focus now is on maintaining personalized service while scaling the network.

The commitment to high-touch service for commercial clients continues, with the expectation that the combined entity can support much larger needs. For instance, CEO Paul Perrault noted that for certain well-sponsored relationships, the capacity would be approaching $100 million post-merger. That's a concrete shift in relationship depth.

The community-centric model remains a core tenet, even with the larger scale. You see this in the minimal expected disruption; only four branch consolidations are anticipated in early 2026, reflecting the complementary geographic footprints of the legacy banks. The teams you know and trust are staying the same, which is key to relationship continuity until the full systems integration in early February 2026.

Here's a quick look at the combined scale supporting these relationships:

Metric	Value (As of Late 2025 Context)
Combined Total Assets	$24 billion
Combined Branch Network	Over 145 offices
Legacy Deposit Growth Projection (2025)	4-5% increase
Q2 2025 Deposit Increase (Legacy BRKL)	$59 million

Self-service options are being enhanced through the merger, providing convenience alongside the personalized touch. You now have access to a much wider network for basic transactions.

• Fee-free ATM access is available across the entire combined network of Berkshire Bank, Brookline Bank, BankRI, and PCSB Bank ATMs, effective September 1, 2025.
• The underlying business strength supporting these relationships was evident in Q2 2025, with legacy Brookline Bancorp reporting revenue of $94.66 million.

For the affluent segment, the high-touch private wealth services are delivered through Clarendon Private LLC. This subsidiary, which acts as a fiduciary, continues to offer customized, relationship-based strategies. While the latest reported discretionary Assets Under Management (AUM) was from the end of 2024 at $344,304,586, the firm's focus on bespoke service is recognized; Clarendon Private was named one of America's Top Financial Advisory Firms 2025 by Newsweek.

The relationship structure is layered:

• Dedicated relationship managers for small-to-mid-sized businesses, now operating under the Beacon Bank umbrella.
• Community-centric, personalized service model at the branch level, with teams largely remaining in place post-merger.
• Self-service options via online and mobile banking platforms, now backed by a larger technology base.
• Fee-free ATM access across the combined bank network (post-merger).
• High-touch private wealth services through Clarendon Private, which serves individuals, families, foundations, and endowments.

Finance: review the integration budget line item for branch consolidation costs by next Tuesday.

Brookline Bancorp, Inc. (BRKL) - Canvas Business Model: Channels

The channels for the business, as of late 2025 following the merger, are defined by the expanded footprint of the new holding company, Beacon Financial Corporation.

Physical branch network across Massachusetts, Rhode Island, and New York.

The combined franchise operates more than 145 branch offices throughout New England and New York as of September 1, 2025. This is a significant expansion from the legacy Brookline Bancorp, Inc. which operated 65 branches across Massachusetts, Rhode Island, and New York as of September 30, 2024. The operating divisions continue to serve clients through their respective offices-Brookline Bank, Bank Rhode Island, and PCSB Bank-as divisions of Beacon Bank & Trust until the systems conversion in 2026.

Digital channels: Online banking and mobile applications.

The legacy Brookline Bancorp, Inc. offered on-line banking services to its customers. Nationally, in 2025, a significant majority of consumers, 77 percent, prefer to manage their bank accounts through a mobile app or a computer. Approximately 208 million people in the United States actively use some form of digital banking in 2025. Furthermore, 39 percent of U.S. adults now rely exclusively on mobile banking, avoiding physical bank branches entirely.

Specialized lending offices for Eastern Funding and 44 Business Capital.

Equipment financing is provided through the Eastern Funding subsidiary. The direct small business lending division, 44 Business Capital, focuses on providing SBA Loans nationwide. This division has originated over $2 Billion in SBA 7(a) loans over the past 16 years.

ATM network offering fee-free withdrawals across all divisions.

The company provides an ATM network offering fee-free withdrawals across all divisions.

Direct sales force for commercial and consumer loan origination.

The company originates loans through its sales force structure. For the three months ending June 30, 2025, the legacy Brookline Bancorp managed to originate new loans totaling $445 million.

The following table summarizes key quantitative data related to the Channels as of late 2025, reflecting the combined entity where applicable, or the latest available legacy data.

Channel Component	Metric/Data Point	Value as of Late 2025 (or latest available)
Physical Branch Network (Combined)	Total Branch Offices	More than 145
Physical Branch Network (Legacy BRKL)	Branch Count (as of 9/30/2024)	65
Specialized Lending (44 Business Capital)	Total SBA 7(a) Loans Originated (Lifetime)	Over $2 Billion
Loan Origination (Legacy BRKL - Q2 2025)	New Loans Originated	$445 million
Digital Banking (US Market Context - 2025)	Consumers Preferring Digital Management (Mobile/Computer)	77 percent
Digital Banking (US Market Context - 2025)	Exclusive Mobile Banking Users	39 percent of U.S. adults

The operational structure includes the following divisions that utilize these channels:

• Brookline Bank
• Bank Rhode Island
• PCSB Bank
• Eastern Funding (Equipment Financing)
• 44 Business Capital (SBA Lending)

Brookline Bancorp, Inc. (BRKL) - Canvas Business Model: Customer Segments

You're looking at the customer base of Brookline Bancorp, Inc. right before it became part of the new Beacon Financial Corporation on September 1, 2025. This snapshot from Q2 2025 shows a deliberate shift in focus, which is key to understanding their client mix as they entered the merger.

The core of the business was serving the Northeast, split between commercial entities and individual consumers in metropolitan and suburban areas. You saw the bank actively managing its loan book, intentionally contracting certain areas while growing others. For instance, the total loan portfolio shrank by $61 million in the second quarter of 2025, a clear signal of where management was pulling back risk.

Here's how the loan book looked just before the merger closed, which helps define the primary customer segments:

Loan Category (Customer Segment Proxy)	Percentage of Total Loans (Q2 2025)	Q2 2025 Dollar Change
Commercial Real Estate (CRE)	57%	Decreased by $95 million
Consumer Loans	16%	Grew by $27 million
Commercial Loans (SMBs)	14%	Grew by $53 million
Equipment Finance (Specialty)	13%	Decreased by $46 million

That table shows you the immediate priority: reducing the CRE concentration while growing the core commercial lending business. Honestly, that $95 million CRE reduction was the headline action for this segment.

For the Small-to-mid-sized businesses (SMBs) in the Northeast, the focus was on Commercial and Industrial (C&I) growth. While the overall loan portfolio contracted, commercial loans actually grew by $53 million in Q2 2025, showing where new business was being directed. This segment is served through commercial term loans and adjustable-rate lines of credit, often supported by business assets.

The Retail and consumer customers provided a stable funding base. Customer deposits increased by $59 million during the quarter, which is a healthy sign for a bank managing a balance sheet transition. While specific consumer loan figures are less detailed, consumer loans made up 16% of the portfolio, and the bank's market area is characterized by dense metropolitan and suburban populations.

Regarding Commercial Real Estate (CRE) investors, you saw a clear de-risking effort. The bank intentionally reduced its exposure, selling two commercial real estate loans and recognizing a charge of $3.5 million on those sales. Investment CRE specifically dropped by $110 million, even as owner-occupied CRE saw a small increase of $15 million. At the end of Q2 2025, the investment CRE exposure to total risk-based capital stood at 363%, which explains the aggressive reduction strategy.

Finally, the Specialty finance clients were served through dedicated channels. Equipment financing, which represented 13% of the loan portfolio pre-contraction, is handled by the Eastern Funding subsidiary. SBA lending is managed through the 44 Business Capital division. These specialized verticals are part of the broader commercial segment, though equipment finance saw a specific contraction of $46 million in the quarter.

For High-net-worth individuals, while specific 2025 AUM (Assets Under Management) for the pre-merger entity isn't explicitly detailed here, the structure that emerged in late 2025 points to this segment being served by the new entity's Clarendon Private division, indicating its continued importance post-integration.

Finance: draft the post-merger customer segment overlap analysis by Friday.

Brookline Bancorp, Inc. (BRKL) - Canvas Business Model: Cost Structure

You're looking at the cost side of Brookline Bancorp, Inc. (BRKL) as it integrates the Berkshire Hills Bancorp, Inc. merger, which closed on September 1, 2025. The cost structure is heavily influenced by personnel and the one-time costs associated with this significant transaction.

Employee compensation and benefits remains the largest component of the core operating expense base. For the full year 2024, this expense totaled $143.7 million. In Q2 2025, prior to the full merger impact, management noted a decrease of $0.7 million in compensation and employee benefits expense compared to Q1 2025, as the company managed staffing levels in preparation for the combination.

Management has set a clear internal benchmark for operational efficiency post-merger, aiming for total non-interest expense managed to $247 million or less for FY 2025, specifically excluding merger costs. For context, the total non-interest expense for the full year 2024 was $241.9 million.

The cost structure in late 2025 is heavily impacted by integration activities:

• Significant one-time merger and acquisition expenses were recorded in Q3 2025, totaling $51.9 million in Merger and restructuring expenses.
• The core, recurring non-interest expense (excluding merger charges) for Q2 2025 was $57.7 million.

Credit quality management is a direct cost driver through the Provision for Credit Losses (PCL). For the second quarter of 2025, Brookline Bancorp, Inc. recorded a PCL of $7.0 million, reflecting additional credit reserves provided for selected properties in the Boston office market.

Here's a look at some key expense categories, using the most recent absolute figures available before the full Q3 2025 combined reporting:

Expense Category	Period Ending June 30, 2025 (Q2 2025)	Period Ending June 30, 2024 (Q2 2024)
Non-Interest Expense (Excluding Merger Charges)	$57.7 million	N/A
Merger Expenses	$0.439 million	N/A
Equipment and Data Processing Costs	N/A	$7.032 million (Q2 2024)
Provision for Credit Losses (PCL)	$7.0 million	$5.6 million

Technology and data processing costs for digital platforms are a necessary investment, though the specific 2025 quarterly spend isn't explicitly detailed in the latest reports. We know that in Q2 2024, this expense line item was $7.032 million (or $7,032 thousand). Management is actively managing expenses, including staffing, in preparation for the merger, which suggests a focus on optimizing technology spend moving forward.

Brookline Bancorp, Inc. (BRKL) - Canvas Business Model: Revenue Streams

You're looking at how Brookline Bancorp, Inc. (BRKL) brings in the money, and right now, it's heavily weighted toward traditional banking activities, especially given the recent margin improvements. The biggest piece of the pie comes from Net Interest Income (NII), which is the difference between what the company earns on its assets, like loans and securities, and what it pays out on its liabilities, like deposits. For the second quarter of 2025, NII hit $88.7 million.

This NII is generated from the interest collected across its lending book. Even while strategically managing the balance sheet, you saw growth in certain areas that feed this stream. Specifically, commercial loans grew by $53 million and consumer loans grew by $27 million during Q2 2025, even as the company intentionally reduced its exposure in areas like equipment finance, which saw a $46 million decline.

Here's a quick look at the top-line revenue components for that quarter:

Revenue Component	Q2 2025 Amount
Total Revenue	$94.7 million
Net Interest Income (NII)	$88.7 million
Non-interest Income (Fee Income)	$6.0 million

The second major stream is Non-interest income, often called fee income, which comes from services rendered rather than lending spreads. For Q2 2025, this amounted to $6.0 million. This figure is derived from several service activities that keep the business running smoothly day-to-day.

These fee-based revenues are sourced from the following activities:

• Service charges on deposit accounts.
• Fees collected from wealth management services.
• Other miscellaneous service charges.

What this estimate hides is that the fee income component can be volatile; for instance, in Q2 2025, a dip in debit card income was noted, bringing the figure slightly lower than some projections. Still, management projected quarterly non-interest income to generally range between $5.5 million and $6.5 million for 2025.

Looking ahead, analyst consensus suggests that the full-year 2025 revenue for Brookline Bancorp, Inc. is projected to be approximately $513.51 million. This projection factors in the Q2 performance, where total revenue was up 10% year-over-year, and the anticipated closing of the merger with Berkshire Hills Bancorp in September 2025, which is expected to eventually enhance relationship capabilities.