ADDED
See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company", and "emerging growth company" in Rule 12b-2 of the Exchange Act.
As of February 27, 2026, there were 89,576,403 and 83,816,086 shares of the registrant's common stock, par value $0.01 per share, issued and outstanding, respectively.
Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 24 Item 6.
Management's Discussion and Analysis of Financial Condition and Results of Operations 25 Item 7A.
Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 67 Item 13.
prior to the closing of the Transaction LEP Loss emergence period LEQ Loan equivalency MBSs Mortgage-backed securities MDOB Massachusetts Division of Banks NIST National Institute of Standards and Technology Nonqualified Plan Nonqualified Deferred Compensation Plan OAEM Other Assets Especially Mentioned OCI Other comprehensive income OFAC U.S.
Treasury's Office of Foreign Assets Control OREO Other Real Estate Owned Plans The 2021 Plan and the 2025 Plan Program Beacon Financial Corporation's Information Security Program PAM Proportional amortization method RIBD Banking Division of the Rhode Island Department of Business Regulation SBA Small Business Administration SEC U.S.
These statements, which are based on certain assumptions and describe the Company s future plans, strategies and expectations, can generally be identified by the use of the words "may," "will," "should," "could," "would," "plan," "potential," "estimate," "project," "believe," "intend," "anticipate," "expect," "target" and similar expressions.
These statements include, among others, statements regarding the Company's intent, belief or expectations with respect to economic conditions, trends affecting the Company's financial condition or results of operations, and the Company's exposure to market, liquidity, interest-rate and credit risk.
Except as required by law, the Company does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.
REMOVED
(Exact name of registrant as specified in its charter) Delaware 04-3510455 (State or other jurisdiction of incorporation or organization) (I.R.S.
See the definition of large accelerated filer, accelerated filer , smaller reporting company , and "emerging growth company" in Rule 12b-2 of the Exchange Act.
The aggregate market value of the voting and non-voting common equity held by non-affiliates was approximately $ 1.0 billion, based upon the closing price of $22.80 as quoted on the New York Stock Exchange as of the last business day of the registrant s most recently completed second fiscal quarter.
MARKET FOR REGISTRANT S COMMON EQUITY, RELATED SHAREHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES 45 ITEM 6.
MANAGEMENT S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 48 ITEM 7A.
SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED SHAREHOLDER MATTERS 70 ITEM 13.
4 ITEM 1 TABLE 1 LOAN PORTFOLIO ANALYSIS 6 ITEM 1 TABLE 2 MATURITY AND SENSITIVITY OF LOAN PORTFOLIO 9 ITEM 1 TABLE 3 CREDIT QUALITY RATIOS 11 ITEM 1 TABLE 4 ALLOCATION OF ALLOWANCE BY LOAN CATEGORY 12 ITEM 1 TABLE 5 WEIGHTED AVERAGE YIELD ON SECURITIES 13 ITEM 1 TABLE 6 AVERAGE BALANCE AND WEIGHTED AVERAGE RATES FOR DEPOSITS 15 ITEM 1 TABLE 7 MATURITY OF DEPOSITS $250,000 15 PART II 45 ITEMS 7 - 7A .
You can identify these statements from the use of the words may, will, should, could, would, plan, potential, estimate, project, believe, intend, anticipate, expect, target and similar expressions.
These forward-looking statements are subject to significant risks, assumptions and uncertainties, including among other things, factors related to the pending merger between Berkshire Hills Bancorp, Inc.
Because of these and other uncertainties, Berkshire s actual results, performance or achievements, or industry results, may be materially different from the results indicated by these forward-looking statements.