Berkshire Hills Q1 GAAP EPS $0.56, Operating EPS $0.60; NIM expands to 3.24%

Beacon Financial Corp

2025-Q1 EPS reported $0.56 revenue$110,443,000

Net income $25.7M vs $19.7M in Q4 and $(20.2M) in Q1 2024; operating EPS up 22% YoY to $0.60.
Net interest margin (FTE) 3.24%, up 10 bp sequentially; efficiency ratio 59.5%, best in two years.
Delinquent and non-performing loans to total loans fell to 0.42%, lowest in nearly 20 years.
Operating revenue up 5% YoY; operating non-interest expense down 6% YoY.
Average loans $9.39B, deposits $9.85B; period-end deposits $9.88B.

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