Brookline Bancorp, Inc. (BRKL): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Brookline Bancorp, Inc. (BRKL), una potencia bancaria regional dinámica que transforma los servicios financieros a través de enfoques innovadores y profundas raíces comunitarias. Este lienzo de modelo comercial integral revela cómo BRKL navega por el complejo paisaje de la banca moderna, combinando sin problemas los servicios tradicionales basados ​​en relaciones con soluciones digitales de vanguardia. Al posicionarse estratégicamente en el mercado de Massachusetts, el banco crea experiencias financieras personalizadas que atienden a pequeñas empresas, inversores inmobiliarios y clientes individuales, creando un ecosistema robusto de empoderamiento y crecimiento financiero.

Brookline Bancorp, Inc. (BRKL) - Modelo de negocios: asociaciones clave

Desarrolladores inmobiliarios locales e inversores de propiedades comerciales

A partir de 2024, Brookline Bancorp mantiene asociaciones estratégicas con desarrolladores de bienes raíces locales en Massachusetts, con una cartera de préstamos de $ 4.86 mil millones en préstamos inmobiliarios comerciales.

Categoría de asociación	Número de asociaciones activas	Volumen total del préstamo
Desarrolladores de bienes raíces comerciales	87	$ 1.2 mil millones
Inversores de propiedades residenciales	63	$ 675 millones

Redes comerciales pequeñas a medianas en Massachusetts

Brookline Bancorp colabora con 215 pequeñas y medianas empresas en Massachusetts, con una cartera total de préstamos comerciales de $ 1.45 mil millones.

• Massachusetts Small Business Network Asociaciones: 215
• Volumen total de préstamos comerciales: $ 1.45 mil millones
• Tamaño promedio del préstamo: $ 6.74 millones

Instituciones financieras comunitarias y redes bancarias regionales

El banco ha establecido asociaciones con 42 instituciones financieras regionales, facilitando préstamos colaborativos y servicios financieros.

Tipo de red	Número de asociaciones	Préstamos colaborativos totales
Redes bancarias regionales	42	$ 890 millones
Instituciones financieras comunitarias	38	$ 620 millones

Corredores hipotecarios y creadores de préstamos

Brookline Bancorp se asocia con 129 corredores de hipotecas y creadores de préstamos, con un volumen de origen hipotecario total de $ 612 millones en 2024.

• Asociaciones totales de corredor de hipotecas: 129
• Volumen de origen de la hipoteca: $ 612 millones
• Tamaño promedio del préstamo hipotecario: $ 475,000

Proveedores de servicios de tecnología para soluciones de banca digital

El banco tiene asociaciones de tecnología estratégica con 7 proveedores de soluciones de banca digital, invirtiendo $ 18.3 millones en infraestructura tecnológica.

Proveedor de tecnología	Servicios proporcionados	Inversión anual
Proveedor de plataforma de banca digital	Infraestructura bancaria en línea	$ 7.2 millones
Soluciones de ciberseguridad	Protección de datos	$ 5.6 millones
Tecnología de banca móvil	Desarrollo de aplicaciones móviles	$ 5.5 millones

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: actividades clave

Préstamos comerciales y residenciales

A partir del cuarto trimestre de 2023, Brookline Bancorp informó una cartera de préstamos totales de $ 6.98 mil millones, con el siguiente desglose:

Categoría de préstamo	Monto total ($)	Porcentaje
Inmobiliario comercial	4,193,000,000	60%
Hipotecas residenciales	1,674,000,000	24%
Comercial & Préstamos industriales	1,107,000,000	16%

Gestión de cuentas de depósito y ahorro

Depósitos totales al 31 de diciembre de 2023: $ 8.64 mil millones

• Depósitos de no interesados: $ 1.32 mil millones
• Depósitos con intereses: $ 7.32 mil millones

Servicios bancarios de pequeñas empresas

Valor de la cartera de préstamos para pequeñas empresas: $ 892 millones

Tipo de servicio	Número de cuentas
Cuentas corrientes de negocios	12,450
Cuentas de ahorro de negocios	6,230

Desarrollo de la plataforma de banca digital

Métricas de banca digital a partir de 2023:

• Usuarios de banca móvil: 78,000
• Usuarios bancarios en línea: 95,000
• Volumen de transacciones digitales: 3.2 millones de transacciones mensuales

Gestión de riesgos y servicios de asesoramiento financiero

Estadísticas de gestión de riesgos:

• Relación de préstamos sin rendimiento: 0.62%
• Reserva de pérdida de préstamos: $ 93.4 millones
• Tasa de carga neta: 0.15%

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: recursos clave

Fuerte presencia bancaria regional en Massachusetts

A partir del cuarto trimestre de 2023, Brookline Bancorp opera 35 oficinas bancarias de servicio completo en Massachusetts, principalmente en el área metropolitana del Gran Boston. Los activos totales informados fueron de $ 9.37 mil millones.

Cobertura geográfica	Número de ramas	Área de servicio principal
Massachusetts	35	Gran Región Metropolitana de Boston

Equipo de gestión experimentado

Equipo de gestión con una tenencia promedio de más de 15 años en el sector bancario.

• CEO: Paul Perrault - Experiencia bancaria de 25 años
• CFO: Christopher Oddleifson - 18 años de liderazgo financiero
• Promedio de tenencia ejecutiva: 15.3 años

Infraestructura de banca digital robusta

Plataformas de banca digital que admiten $ 9.37 mil millones en activos totales con capacidades tecnológicas avanzadas.

Servicio digital	Capacidad
Banca móvil	Servicios transaccionales completos
Banca en línea	Gestión de cuentas integral

Cartera de préstamos diversificados

Composición de cartera de préstamos a partir del cuarto trimestre 2023:

• Bienes inmuebles comerciales: $ 4.82 mil millones (51.4%)
• Bienes inmuebles residenciales: $ 2.65 mil millones (28.3%)
• Préstamos comerciales comerciales: $ 1.74 mil millones (18.6%)
• Préstamos al consumidor: $ 0.16 mil millones (1.7%)

Base de depósito de cliente sustancial

Depósitos totales a partir del cuarto trimestre 2023: $ 8.24 mil millones

Tipo de depósito	Cantidad	Porcentaje
Verificación de no interés	$ 1.63 mil millones	19.8%
Verificación de intereses	$ 2.47 mil millones	30.0%
Depósitos de ahorro	$ 3.24 mil millones	39.3%
Depósitos de tiempo	$ 0.90 mil millones	10.9%

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Brookline Bancorp proporcionó $ 1.84 mil millones en préstamos comerciales totales. La cartera de préstamos comerciales del banco incluye:

Categoría de préstamo	Cantidad total
Inmobiliario comercial	$ 1.42 mil millones
Comercial & Préstamos industriales	$ 420 millones

Tasas de interés competitivas sobre préstamos y depósitos

Tasas de interés para productos bancarios clave en 2024:

Producto	Rango de tasas de interés
Verificación de negocios	0.10% - 0.50%
Ahorro de negocios	0.75% - 1.25%
Préstamos comerciales	6.75% - 9.50%

Convenientes canales bancarios digitales y físicos

Estadísticas de banca digital para 2024:

• Usuarios totales de banca digital: 78,500
• Descargas de aplicaciones de banca móvil: 42,300
• Volumen de transacciones en línea: 1.2 millones de transacciones mensuales

Servicios financieros sólidos centrados en la comunidad

Métricas de inversión comunitaria:

Categoría de inversión	Cantidad total
Préstamos de desarrollo comunitario	$ 156 millones
Soporte local de pequeñas empresas	$ 87 millones

Opciones de préstamo flexibles para diversas necesidades de clientes

Desglose de la cartera de préstamos:

• Portafolio de préstamos totales: $ 3.92 mil millones
• Préstamos inmobiliarios residenciales: $ 1.58 mil millones
• Préstamos comerciales de bienes raíces: $ 1.42 mil millones
• Préstamos de construcción y desarrollo de tierras: $ 420 millones

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: relaciones con los clientes

Gestión de la relación bancaria personal

A partir del cuarto trimestre de 2023, Brookline Bancorp mantiene 441,000 cuentas de clientes totales con un enfoque en el servicio personalizado. El banco despliega 237 gerentes de relaciones dedicadas en Massachusetts y Rhode Island.

Segmento de clientes	Número de cuentas	Valor de cuenta promedio
Banca personal	329,000	$87,500
Banca de negocios	112,000	$342,000

Soporte bancario en línea y móvil

Métricas de banca digital para Brookline Bancorp en 2023:

• Usuarios de banca móvil: 214,000
• Penetración bancaria en línea: 68% de la base total de clientes
• Volumen de transacciones digitales: 3.2 millones de transacciones mensuales

Compromiso comunitario y redes locales

La inversión comunitaria en 2023 totalizó $ 4.7 millones en 82 programas e iniciativas comunitarias locales.

Gerentes de relaciones dedicadas para clientes comerciales

Segmento de negocios	Gerentes dedicados	Tamaño promedio de la cartera
Inmobiliario comercial	87	$ 56 millones
Pequeño negocio	112	$ 18 millones

Comunicación regular al cliente y asesoramiento financiero

• Puntos de contacto de revisión financiera anual: 2.4 por cliente
• Canales de comunicación digital: correo electrónico, aplicación móvil, alertas de texto
• Sesiones de asesoramiento financiero: 46,000 realizados en 2023

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: canales

Red de sucursales físicas en Massachusetts

A partir de 2024, Brookline Bancorp opera 38 oficinas de banca de servicio completo Principalmente ubicado en Massachusetts.

Región	Número de ramas
Área metropolitana de Boston	32
Otras regiones de Massachusetts	6

Plataforma bancaria en línea

El banco ofrece servicios de banca digital integrales con las siguientes características:

• Acceso de cuenta 24/7
• Pago de facturas en línea
• Transferencias de fondos
• Declaraciones electrónicas

Aplicación de banca móvil

Las capacidades de banca móvil incluyen:

• Depósito de cheque móvil
• Seguimiento de saldo de cuenta en tiempo real
• Historial de transacciones
• Gestión de tarjetas

Red de cajeros automáticos

Tipo de cajero automático	Número
Cajeros automáticos	22
ATM de red compartidos	Más de 55,000

Centros de llamadas de servicio al cliente

Horas de funcionamiento: 8:00 am - 8:00 pm EST, de lunes a sábado

• Líneas telefónicas de soporte al cliente
• Soporte de chat en línea
• Canales de soporte por correo electrónico

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Brookline Bancorp sirve aproximadamente 12.500 clientes comerciales pequeños a medianos en Massachusetts y Rhode Island.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	4,750	$375,000
Servicios profesionales	3,250	$425,000
Fabricación	2,500	$550,000
Empresas tecnológicas	2,000	$650,000

Inversores inmobiliarios comerciales locales

La cartera de bienes raíces comerciales totaliza $ 1.8 mil millones al 31 de diciembre de 2023, con 425 clientes activos de inversión inmobiliaria.

• Propiedades multifamiliares: 215 clientes
• Edificios de oficina: 110 clientes
• Espacios minoristas: 75 clientes
• Desarrollos de uso mixto: 25 clientes

Clientes de banca minorista individual

Total de los clientes de la banca minorista: 85,600 a partir del cuarto trimestre de 2023.

Tipo de cliente	Número de cuentas	Saldo de cuenta promedio
Cuentas corrientes	52,300	$12,500
Cuentas de ahorro	33,300	$22,750

Proveedores de servicios profesionales

La base de clientes del servicio profesional incluye 2.750 clientes en varios sectores.

• Profesionales legales: 850 clientes
• Proveedores de atención médica: 650 clientes
• Empresas de consultoría: 450 clientes
• Servicios de asesoramiento financiero: 350 clientes
• Firmas de contabilidad: 300 clientes

Organizaciones comunitarias locales

Relaciones bancarias de la organización comunitaria: 175 clientes activos con depósitos totales de $ 42.6 millones al 31 de diciembre de 2023.

Tipo de organización	Número de clientes	Depósitos totales
Organizaciones sin fines de lucro	95	$ 22.3 millones
Instituciones educativas	45	$ 12.5 millones
Organizaciones religiosas	35	$ 7.8 millones

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir del tercer trimestre de 2023, los gastos operativos de la sucursal de Brookline Bancorp totalizaron $ 24.3 millones, lo que incluye:

Categoría de gastos	Monto ($)
Alquiler y ocupación	8.7 millones
Utilidades	3.2 millones
Mantenimiento	5.6 millones
Seguridad	2.8 millones
Otros costos operativos	4 millones

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2023 fueron de $ 18.5 millones, desglosados ​​de la siguiente manera:

• Sistemas bancarios centrales: $ 6.2 millones
• Infraestructura de ciberseguridad: $ 4.8 millones
• Plataformas de banca digital: $ 3.9 millones
• Soporte y mantenimiento de TI: $ 3.6 millones

Compensación y beneficios de los empleados

Los gastos totales relacionados con los empleados para 2023 fueron de $ 95.4 millones:

Categoría de compensación	Monto ($)
Salarios base	62.3 millones
Bonos de rendimiento	12.6 millones
Beneficios de atención médica	9.2 millones
Contribuciones de jubilación	7.3 millones
Otros beneficios	4 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2023 ascendieron a $ 12.7 millones:

• Personal legal y de cumplimiento: $ 5.3 millones
• Auditoría e informes: $ 3.9 millones
• Tarifas de presentación regulatoria: $ 2.1 millones
• Capacitación de cumplimiento: $ 1.4 millones

Gastos de marketing y adquisición de clientes

Los costos de marketing y adquisición de clientes para 2023 fueron de $ 7.6 millones:

Categoría de marketing	Monto ($)
Marketing digital	2.9 millones
Publicidad tradicional	1.8 millones
Campañas de adquisición de clientes	2.1 millones
Tecnología de marketing	0.8 millones

Brookline Bancorp, Inc. (BRKL) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos comerciales

Para el año fiscal 2023, Brookline Bancorp informó $ 130.1 millones En ingresos de intereses totales de préstamos comerciales.

Categoría de préstamo	Ingresos por intereses totales
Inmobiliario comercial	$ 87.4 millones
Comercial & Préstamos industriales	$ 42.7 millones

Tarifas de préstamos hipotecarios

Las tarifas de préstamo hipotecario para 2023 totalizaron $ 18.3 millones.

• Tarifas de origen de la hipoteca residencial: $ 12.5 millones
• Tarifas de refinanciamiento hipotecario: $ 5.8 millones

Cargos de servicio de cuentas de depósito

Los cargos de servicio en las cuentas de depósito alcanzadas $ 9.7 millones en 2023.

Tipo de cuenta	Ingresos de carga de servicio
Cuentas corrientes	$ 6.2 millones
Cuentas de ahorro	$ 3.5 millones

Servicios de inversión y gestión de patrimonio

Los ingresos de los servicios de inversión en 2023 fueron $ 22.6 millones.

• Tarifas de gestión de activos: $ 15.4 millones
• Servicios de asesoramiento financiero: $ 7.2 millones

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital ascendieron a $ 5.4 millones en 2023.

Tipo de transacción digital	Ingresos por tarifas
Transacciones bancarias en línea	$ 3.2 millones
Transacciones bancarias móviles	$ 2.2 millones

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.