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Berkshire Hills Bancorp (BHLB) investor relations material
Berkshire Hills Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Achieved best quarter since transformation began in early 2021, with operating net income of $31.6M, up 14% sequentially and 36% year-over-year, and operating EPS of $0.69, up 15% sequentially and 25% year-over-year.
GAAP net income for Q2 2025 was $30.4M, or $0.66 per share, up 26% year-over-year.
Continued progress on strategic initiatives, including digital deposit program growth and merger integration planning.
Shareholders approved the merger with Brookline Bancorp in May 2025, with closing anticipated in the second half of 2025.
Recognized among top performing mid-sized US companies by Time Magazine for 2025.
Financial highlights
Net interest income for Q2 2025 was $91.9M, up 2% sequentially and 4% year-over-year; net interest margin improved to 3.27%.
Operating non-interest income totaled $21.8M, up 5% sequentially and 8% year-over-year.
Operating non-interest expense was $66.7M, down 2% sequentially and 7% year-over-year.
Efficiency ratio improved to 56.7%, the best since 2019.
Provision for credit losses decreased $1.5M sequentially to $4.0M.
Outlook and guidance
Merger with Brookline Bancorp expected to close in the second half of 2025, with core system conversions targeted for February 2026.
Combined entity expected to deliver 23% accretion to 2026 consensus GAAP EPS and annualized net income over $118M in 2025.
Projected 2026 ROAA of 1.28% and ROATCE of 16.5% for the combined institution.
Tax rate expected to normalize to 24–25% going forward.
Management expects continued positive operating leverage from revenue growth and expense reduction.
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Next Berkshire Hills Bancorp earnings date
Q3 202523 Oct, 2025
Next Berkshire Hills Bancorp earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Berkshire Hills Bancorp, Inc. operates as the bank holding company for Berkshire Bank that provides various banking products and services. It offers various deposit products, including checking, savings, money market deposit, time deposit, individual retirement, and business accounts, as well as certificates of deposit. The company also provides commercial lending products; residential mortgage loans; consumer loans comprising automobile loans, personal lines of credit, home equity lines of credit, personal installment loans, overdraft lines of credit; trust and investment management services; investment advisory services; and retail brokerage services.
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