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Berkshire Hills Bancorp (BHLB) investor relations material
Berkshire Hills Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Completed a merger of equals between Brookline and Berkshire, forming a premier Northeast financial services company with total assets of $22.8 billion as of September 30, 2025, and significant growth in loans, deposits, and equity.
Q3 2025 net loss of $56.3 million, driven by $129.8 million in one-time merger-related costs, but operating earnings were $38.5 million, or $0.44 per share, excluding these charges.
Integration is progressing as planned, with full system conversion and brand rollout expected in early 2026.
Strong retention of client-facing talent and positive team morale post-merger.
Merger accounted for as a reverse merger, with assets and liabilities marked to market as of September 1, 2025.
Financial highlights
Net interest income for Q3 2025 was $132.6 million, up 49% sequentially and 60% year-over-year, with net interest margin improving to 3.72%.
Non-interest income nearly doubled year-over-year to $12.3 million, driven by deposit fees, loan fees, and wealth management fees.
Non-interest expense increased to $129.3 million in Q3 2025, including $45.9 million in merger and restructuring costs.
Provision for credit losses rose to $87.5 million in Q3 2025, mainly due to the merger.
Quarterly dividend declared at $0.3225 per share, with a 5.40% yield.
Outlook and guidance
Net interest margin guidance of 3.90–4.00%, with management expecting stability in the near term and sensitivity to future Federal Reserve rate cuts.
Credit costs anticipated to trend lower, ranging from $5–9 million per quarter.
Targeting mid-single-digit growth in interest-earning assets and modest fee income growth.
Integration and system conversion progressing as planned, with full brand rollout expected in early 2026.
Effective tax rate estimated at 26% for 2026, excluding merger/restructuring charges.
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Next Berkshire Hills Bancorp earnings date
Q4 202529 Jan, 2026
Next Berkshire Hills Bancorp earnings date
Q4 202529 Jan, 2026
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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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