Berkshire Hills Bancorp, Inc. (BHLB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Berkshire Hills Bancorp, Inc. (BHLB), uma instituição financeira dinâmica que combina magistralmente bancos comunitários tradicionais com soluções digitais inovadoras. Esse modelo abrangente de negócios revela como o BHLB navega estrategicamente no cenário bancário complexo, oferecendo serviços financeiros personalizados que conectam perfeitamente as comunidades locais a plataformas tecnológicas de ponta. Desde sua ramo robusta até a sofisticada infraestrutura digital, o banco demonstra uma abordagem única para os bancos modernos que priorizam o relacionamento com os clientes, a inovação tecnológica e o apoio econômico regional.

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: Parcerias -chave

Aliança estratégica com empresas locais e organizações comunitárias

A partir de 2024, a Berkshire Hills Bancorp mantém parcerias estratégicas com aproximadamente 250 empresas locais em Massachusetts, Connecticut e Nova York. A rede de parceria comunitária do banco inclui:

• Câmaras de comércio locais em 35 municípios regionais
• Centros de desenvolvimento de pequenas empresas em 12 municípios
• Empresas de desenvolvimento econômico em regiões operacionais primárias

Tipo de parceria	Número de parcerias	Impacto econômico anual
Redes de negócios locais	250	US $ 47,3 milhões
Organizações comunitárias	87	US $ 22,6 milhões

Parcerias com provedores de serviços de tecnologia financeira (fintech)

A Berkshire Hills Bancorp colabora com 7 provedores de serviços de fintech para aprimorar os recursos bancários digitais.

• Plataformas de processamento de pagamento digital
• Provedores de tecnologia bancária móvel
• Parceiros de solução de segurança cibernética

Categoria de parceria da Fintech	Número de provedores	Investimento de tecnologia anual
Soluções bancárias digitais	4	US $ 3,2 milhões
Parcerias de segurança cibernética	3	US $ 1,7 milhão

Colaboração com redes regionais de investimento e empréstimos

O banco mantém parcerias ativas com 42 redes regionais de investimento e empréstimos.

Tipo de rede	Número de redes	Volume total de empréstimos de rede
Redes de investimentos regionais	23	US $ 512 milhões
Redes de colaboração de empréstimos	19	US $ 387 milhões

Relacionamentos com empresas de seguro e gerenciamento de patrimônio

A Berkshire Hills Bancorp estabeleceu parcerias com 15 empresas de gestão de seguros e patrimônio.

Categoria de parceria	Número de empresas	Receita colaborativa anual
Parcerias de seguro	8	US $ 14,6 milhões
Colaborações de gerenciamento de patrimônio	7	US $ 22,3 milhões

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, a Berkshire Hills Bancorp opera 98 filiais de serviço completo em Massachusetts, Nova York e Connecticut. O total de ativos relatados foi de US $ 13,4 bilhões, com depósitos totais de US $ 10,7 bilhões.

Categoria de serviço bancário	Volume total (2023)
Portfólio de empréstimos comerciais	US $ 5,2 bilhões
Portfólio de empréstimos ao consumidor	US $ 3,9 bilhões
Empréstimos para pequenas empresas	US $ 1,6 bilhão

Empréstimos e originação hipotecária

O volume de empréstimos hipotecários em 2023 totalizou US $ 1,2 bilhão, com foco no financiamento imobiliário residencial e comercial.

• Origenas da hipoteca residencial: US $ 892 milhões
• Empréstimos para hipotecas imobiliárias comerciais: US $ 308 milhões
• Tamanho médio do empréstimo hipotecário: US $ 425.000

Desenvolvimento da plataforma bancária digital

Os investimentos em bancos digitais em 2023 atingiram US $ 18,3 milhões, com 67% dos clientes usando plataformas bancárias on -line e móveis.

Métrica da plataforma digital	2023 desempenho
Usuários bancários móveis	142,000
Usuários bancários online	198,000
Volume de transação digital	3,4 milhões mensais

Gerenciamento de patrimônio e serviços de consultoria financeira

O segmento de gerenciamento de patrimônio administrou US $ 2,7 bilhões em ativos sob gestão (AUM) em 2023.

• Total de clientes de gerenciamento de patrimônio: 12.400
• Valor médio do portfólio de clientes: US $ 217.000
• Receita de taxa de consultoria: US $ 42,6 milhões

Gerenciamento de riscos e monitoramento de conformidade

Os investimentos em conformidade e gerenciamento de riscos totalizaram US $ 22,5 milhões em 2023, com uma equipe dedicada de 86 profissionais.

Métrica de gerenciamento de riscos	2023 dados
Equipe de conformidade	86 profissionais
Orçamento de conformidade regulatória	US $ 22,5 milhões
Classificações de exames regulatórios	Consistentemente 'satisfatório'

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre 2023, o Berkshire Hills Bancorp opera 136 Total de escritórios bancários em Massachusetts e Connecticut. A distribuição geográfica é a seguinte:

Estado	Número de ramificações
Massachusetts	98
Connecticut	38

Infraestrutura bancária digital

Os principais recursos tecnológicos incluem:

• Plataforma bancária móvel com 72.000 usuários digitais ativos
• Sistema bancário online que suporta 85% das transações de clientes
• Infraestrutura avançada de segurança cibernética com investimento anual de US $ 4,2 milhões

Recursos de capital humano

Composição da força de trabalho a partir de 2023:

Categoria de funcionários	Número total
Total de funcionários	1,237
Gestão sênior	87
Profissionais financeiros	456

Recursos financeiros

Métricas de estabilidade financeira para 2023:

• Total de ativos: US $ 14,3 bilhões
• Tier 1 Capital Ratio: 12,4%
• Reservas de capital total: US $ 1,8 bilhão

Sistemas tecnológicos

Investimentos de tecnologia bancária em 2023:

• Centro de atualização do sistema bancário principal: US $ 6,7 milhões
• AI e orçamento de integração de aprendizado de máquina: US $ 3,5 milhões
• Investimento de infraestrutura de computação em nuvem: US $ 2,9 milhões

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: proposições de valor

Experiência bancária personalizada para comunidades locais

A partir do quarto trimestre de 2023, Berkshire Hills Bancorp atende a 142 escritórios bancários em Massachusetts, Connecticut, Vermont e Nova York. O banco registrou US $ 14,3 bilhões em ativos totais e US $ 10,8 bilhões em depósitos totais.

Pegada geográfica	Número de ramificações	Total de ativos
Massachusetts	68	US $ 8,2 bilhões
Connecticut	35	US $ 3,9 bilhões
Vermont	22	US $ 1,5 bilhão
Nova Iorque	17	US $ 0,7 bilhão

Soluções financeiras abrangentes para indivíduos e empresas

Em 2023, a Berkshire Hills Bancorp forneceu diversos produtos financeiros:

• Portfólio de empréstimos comerciais: US $ 7,6 bilhões
• Empréstimos de hipoteca residencial: US $ 3,2 bilhões
• Portfólio de empréstimos ao consumidor: US $ 1,5 bilhão
• Serviços bancários de pequenas empresas: 22.000 clientes comerciais ativos

Taxas de juros competitivas e produtos bancários flexíveis

Taxas de juros dos principais produtos em janeiro de 2024:

Tipo de produto	Taxa de juro	Depósito mínimo
Verificação pessoal	0.01% - 0.10%	$50
Conta poupança	0.15% - 0.35%	$100
Mercado monetário	0.25% - 0.50%	$1,000
Verificação de negócios	0.05% - 0.20%	$500

Plataformas bancárias digitais e móveis convenientes

Estatísticas bancárias digitais para 2023:

• Usuários bancários móveis: 126.000
• Transações bancárias online: 3,4 milhões mensais
• Downloads de aplicativos móveis: 58.000
• Aberturas de contas digitais: 22% do total de novas contas

Bancos baseados em relacionamento com tomada de decisão local

Empréstimo local e investimento comunitário em 2023:

Categoria	Montante total	Número de transações
Empréstimos comerciais locais	US $ 1,3 bilhão	4,200
Investimentos de desenvolvimento comunitário	US $ 42 milhões	180
Suporte local sem fins lucrativos	US $ 3,2 milhões	250

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: Relacionamentos do cliente

Abordagem personalizada de atendimento ao cliente

A partir do quarto trimestre de 2023, a Berkshire Hills Bancorp registrou 709 funcionários equivalentes em período integral dedicados ao atendimento ao cliente e ao gerenciamento de relacionamento. O banco mantém um Modelo de serviço centrado no cliente com uma classificação média de satisfação do cliente de 4,2 em 5.

Métrica de serviço	Valor
Tempo médio de resposta	2,3 horas
Representantes de atendimento ao cliente	142
Volume anual de interação do cliente	387.600 interações

Gerenciamento de relacionamento focado na comunidade

Berkshire Hills Bancorp atende 74 comunidades em Massachusetts, Connecticut e Nova York com uma estratégia de gerenciamento de relacionamento localizada.

• Ramo de banco comunitário: 129
• Penetração do mercado local: 68%
• Programas de investimento comunitário: US $ 4,2 milhões em 2023

Interação do cliente multicanal

Canal	Usuários ativos	Percentagem
Mobile Banking	127,400	42%
Bancos online	156,200	51%
Visitas de ramificação	22,600	7%

Serviços regulares de consultoria financeira e consulta

Em 2023, a Berkshire Hills Bancorp forneceu 24.300 consultas financeiras individuais com uma duração média de consulta de 47 minutos.

• Clientes de gerenciamento de patrimônio: 8.700
• Valor médio do portfólio: $ 612.000
• Sessões de planejamento financeiro: 3.200 anualmente

Programas de lealdade e retenção de clientes

Métrica do Programa de Fidelidade	Valor
Taxa de retenção de clientes	87.3%
Membros do programa de fidelidade	62,400
Valor médio de vida útil do cliente	$14,200

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: canais

Rede de ramificação física

No quarto trimestre 2023, a Berkshire Hills Bancorp opera 129 agências bancárias totais em Massachusetts, Connecticut, Vermont e Nova York.

Estado	Número de ramificações
Massachusetts	72
Connecticut	33
Vermont	15
Nova Iorque	9

Plataforma bancária online

Os recursos da plataforma bancária digital incluem:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento de contas
• Declarações online

Aplicativo bancário móvel

Downloads de aplicativos móveis: 78.500 usuários ativos em dezembro de 2023

Rede ATM

Rede Total ATM: 187 caixas eletrônicos proprietários nas regiões de serviço

Centros de atendimento ao cliente

Métricas de suporte ao cliente:

• Suporte ao cliente 24 horas por dia, 7 dias por semana
• Tempo médio de espera: 3,2 minutos
• Local de call center: 2 centros primários

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: segmentos de clientes

Clientes bancários de varejo individuais

A partir do quarto trimestre de 2023, a Berkshire Hills Bancorp atende a aproximadamente 163.000 clientes bancários de varejo individuais em Massachusetts, Connecticut e Nova York.

Demografia demográfica do cliente	Número de clientes	Percentagem
Contas de corrente pessoal	89,500	54.9%
Contas de poupança pessoal	73,500	45.1%

Pequenas e médias empresas

A Berkshire Hills Bancorp suporta 12.750 clientes comerciais pequenos e médios, com um portfólio total de empréstimos comerciais de US $ 1,47 bilhão em 31 de dezembro de 2023.

• Tamanho médio de empréstimo comercial: US $ 215.000
• Contas de corrente de negócios: 8.250
• Contas de poupança de negócios: 4.500

Empresas comerciais locais

O banco atende 2.350 clientes comerciais locais com uma carteira de empréstimos imobiliários comerciais de US $ 2,93 bilhões em 2023.

Setor comercial	Número de clientes	Valor total do empréstimo
Comercial de varejo	850	US $ 892 milhões
Comercial industrial	650	US $ 1,24 bilhão
Comercial de escritório	850	US $ 798 milhões

Clientes de gerenciamento de patrimônio

A Berkshire Hills Bancorp gerencia a riqueza de 5.600 clientes com ativos totais sob gerenciamento de US $ 1,82 bilhão em dezembro de 2023.

• Alto patrimônio líquido clientes (> US $ 1 milhão): 1.250
• Clientes de gerenciamento de patrimônio médio: 3.850
• Valor médio do portfólio de clientes: $ 325.000

Clientes bancários comunitários regionais

O banco opera 129 agências em Massachusetts, Connecticut e Nova York, atendendo a aproximadamente 38.500 clientes bancários comunitários regionais.

Estado	Número de ramificações	Clientes bancários comunitários
Massachusetts	82	24,300
Connecticut	27	8,200
Nova Iorque	20	6,000

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir de 2023, o relatório anual, a Berkshire Hills Bancorp registrou despesas totais de operação de US $ 98,4 milhões.

Categoria de despesa	Valor ($)
Custos de ocupação	37,600,000
Utilitários	12,300,000
Manutenção	8,500,000
Impostos sobre a propriedade	6,200,000

Manutenção de tecnologia e infraestrutura digital

O banco investiu US $ 24,7 milhões em infraestrutura de tecnologia em 2023.

• Custos de infraestrutura de TI: US $ 14,2 milhões
• Investimentos de segurança cibernética: US $ 6,5 milhões
• Desenvolvimento da plataforma digital: US $ 4 milhões

Salários e benefícios dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 187,6 milhões.

Componente de compensação	Valor ($)
Salários da base	132,500,000
Bônus de desempenho	28,600,000
Benefícios dos funcionários	26,500,000

Custos de conformidade regulatória

As despesas com conformidade totalizaram US $ 16,3 milhões em 2023.

• Relatórios regulatórios: US $ 5,8 milhões
• Equipe legal e de conformidade: US $ 7,2 milhões
• Tecnologia de conformidade: US $ 3,3 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 11,2 milhões.

Canal de marketing	Valor ($)
Marketing digital	4,700,000
Publicidade tradicional	3,900,000
Programas de aquisição de clientes	2,600,000

Berkshire Hills Bancorp, Inc. (BHLB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e hipotecas

A partir do quarto trimestre de 2023, a Berkshire Hills Bancorp registrou receita de juros líquidos de US $ 163,8 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total	Percentagem
Imóveis comerciais	US $ 4,2 bilhões	42%
Hipotecas residenciais	US $ 2,8 bilhões	28%
Comercial & Empréstimos industriais	US $ 2,5 bilhões	25%
Empréstimos ao consumidor	US $ 0,5 bilhão	5%

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 45,3 milhões, com a seguinte estrutura de taxas:

• Taxas de manutenção de conta: US $ 12,6 milhões
• Taxas de transação: US $ 18,7 milhões
• Cobranças de cheque especial: US $ 8,2 milhões
• Outros serviços bancários: US $ 5,8 milhões

Gestão de patrimônio e cobranças de serviço consultivo

Receita de gestão de patrimônio para 2023 alcançada US $ 37,5 milhões, com segmentos -chave, incluindo:

Categoria de serviço	Receita
Planejamento financeiro	US $ 14,2 milhões
Aviso de investimento	US $ 16,8 milhões
Serviços de confiança	US $ 6,5 milhões

Comissões de produtos de investimento

A receita da Comissão de Produtos de Investimento para 2023 foi US $ 22,1 milhões, distribuído:

• Comissões de fundos mútuos: US $ 8,7 milhões
• Comissões de produtos de aposentadoria: US $ 6,9 milhões
• Comissões de serviço de corretagem: US $ 6,5 milhões

Taxas de transação bancária digital

Taxas de transação bancária digital totalizaram US $ 15,6 milhões Em 2023, com a avaria da seguinte maneira:

Serviço digital	Taxas de transação
Transações bancárias móveis	US $ 7,3 milhões
Pagamento on -line	US $ 4,2 milhões
Transferências de fundos eletrônicos	US $ 4,1 milhões

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.