0001108134FALSE2021FYhttp://fasb.org/us-gaap/2021-01-31#AccountingStandardsUpdate201613Member120P4YP62Yhttp://fasb.org/us-gaap/2021-01-31#OtherAssetshttp://fasb.org/us-gaap/2021-01-31#OtherAssetshttp://fasb.org/us-gaap/2021-01-31#PropertyPlantAndEquipmentNethttp://fasb.org/us-gaap/2021-01-31#PropertyPlantAndEquipmentNethttp://fasb.org/us-gaap/2021-01-31#OtherLiabilitieshttp://fasb.org/us-gaap/2021-01-31#OtherLiabilitieshttp://fasb.org/us-gaap/2021-01-31#OtherLiabilitieshttp://fasb.org/us-gaap/2021-01-31#OtherLiabilities00011081342021-01-012021-12-3100011081342021-06-30iso4217:USD00011081342022-02-25xbrli:shares00011081342021-12-3100011081342020-12-310001108134us-gaap:DisposalGroupHeldforsaleNotDiscontinuedOperationsMember2021-12-310001108134us-gaap:DisposalGroupHeldforsaleNotDiscontinuedOperationsMember2020-12-31iso4217:USDxbrli:shares00011081342020-01-012020-12-3100011081342019-01-012019-12-310001108134us-gaap:DepositAccountMember2021-01-012021-12-310001108134us-gaap:DepositAccountMember2020-01-012020-12-310001108134us-gaap:DepositAccountMember2019-01-012019-12-310001108134us-gaap:BankServicingMember2021-01-012021-12-310001108134us-gaap:BankServicingMember2020-01-012020-12-310001108134us-gaap:BankServicingMember2019-01-012019-12-310001108134bhlb:InsuranceRevenueMember2021-01-012021-12-310001108134bhlb:InsuranceRevenueMember2020-01-012020-12-310001108134bhlb:InsuranceRevenueMember2019-01-012019-12-310001108134bhlb:AssetManagementFeesMember2021-01-012021-12-310001108134bhlb:AssetManagementFeesMember2020-01-012020-12-310001108134bhlb:AssetManagementFeesMember2019-01-012019-12-310001108134us-gaap:MortgageBankingMember2021-01-012021-12-310001108134us-gaap:MortgageBankingMember2020-01-012020-12-310001108134us-gaap:MortgageBankingMember2019-01-012019-12-310001108134us-gaap:BankingMember2021-01-012021-12-310001108134us-gaap:BankingMember2020-01-012020-12-310001108134us-gaap:BankingMember2019-01-012019-12-310001108134us-gaap:PreferredStockMember2018-12-310001108134us-gaap:CommonStockMember2018-12-310001108134us-gaap:AdditionalPaidInCapitalMember2018-12-310001108134us-gaap:DeferredCompensationShareBasedPaymentsMember2018-12-310001108134us-gaap:RetainedEarningsMember2018-12-310001108134us-gaap:AccumulatedOtherComprehensiveIncomeMember2018-12-310001108134us-gaap:TreasuryStockMember2018-12-3100011081342018-12-310001108134us-gaap:RetainedEarningsMember2019-01-012019-12-310001108134us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-01-012019-12-310001108134us-gaap:CommonStockMember2019-01-012019-12-310001108134us-gaap:AdditionalPaidInCapitalMember2019-01-012019-12-310001108134us-gaap:TreasuryStockMember2019-01-012019-12-310001108134us-gaap:DeferredCompensationShareBasedPaymentsMember2019-01-012019-12-310001108134us-gaap:PreferredStockMember2019-12-310001108134us-gaap:CommonStockMember2019-12-310001108134us-gaap:AdditionalPaidInCapitalMember2019-12-310001108134us-gaap:DeferredCompensationShareBasedPaymentsMember2019-12-310001108134us-gaap:RetainedEarningsMember2019-12-310001108134us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-12-310001108134us-gaap:TreasuryStockMember2019-12-3100011081342019-12-310001108134us-gaap:RetainedEarningsMember2020-01-012020-12-310001108134us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-01-012020-12-310001108134us-gaap:RetainedEarningsMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-12-310001108134us-gaap:PreferredStockMember2020-01-012020-12-310001108134us-gaap:CommonStockMember2020-01-012020-12-310001108134us-gaap:AdditionalPaidInCapitalMember2020-01-012020-12-310001108134us-gaap:TreasuryStockMember2020-01-012020-12-310001108134us-gaap:DeferredCompensationShareBasedPaymentsMember2020-01-012020-12-310001108134us-gaap:PreferredStockMember2020-12-310001108134us-gaap:CommonStockMember2020-12-310001108134us-gaap:AdditionalPaidInCapitalMember2020-12-310001108134us-gaap:DeferredCompensationShareBasedPaymentsMember2020-12-310001108134us-gaap:RetainedEarningsMember2020-12-310001108134us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-12-310001108134us-gaap:TreasuryStockMember2020-12-310001108134us-gaap:RetainedEarningsMember2021-01-012021-12-310001108134us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-01-012021-12-310001108134us-gaap:CommonStockMember2021-01-012021-12-310001108134us-gaap:TreasuryStockMember2021-01-012021-12-310001108134us-gaap:AdditionalPaidInCapitalMember2021-01-012021-12-310001108134us-gaap:DeferredCompensationShareBasedPaymentsMember2021-01-012021-12-310001108134us-gaap:PreferredStockMember2021-12-310001108134us-gaap:CommonStockMember2021-12-310001108134us-gaap:AdditionalPaidInCapitalMember2021-12-310001108134us-gaap:DeferredCompensationShareBasedPaymentsMember2021-12-310001108134us-gaap:RetainedEarningsMember2021-12-310001108134us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-12-310001108134us-gaap:TreasuryStockMember2021-12-310001108134us-gaap:RetainedEarningsMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2021-01-012021-12-310001108134us-gaap:RetainedEarningsMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2020-01-012020-12-310001108134us-gaap:RetainedEarningsMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-01-012019-12-310001108134bhlb:MidAtlanticBranchSaleMemberus-gaap:DiscontinuedOperationsHeldforsaleMember2021-01-012021-12-310001108134bhlb:MidAtlanticBranchSaleMemberus-gaap:DiscontinuedOperationsHeldforsaleMember2020-01-012020-12-310001108134bhlb:MidAtlanticBranchSaleMemberus-gaap:DiscontinuedOperationsHeldforsaleMember2019-01-012019-12-310001108134bhlb:FirstChoiceLoanServicesInc.Memberus-gaap:DiscontinuedOperationsDisposedOfBySaleMember2021-01-012021-12-310001108134bhlb:FirstChoiceLoanServicesInc.Memberus-gaap:DiscontinuedOperationsDisposedOfBySaleMember2020-01-012020-12-310001108134bhlb:FirstChoiceLoanServicesInc.Memberus-gaap:DiscontinuedOperationsDisposedOfBySaleMember2019-01-012019-12-310001108134bhlb:MidAtlanticBranchMemberus-gaap:DisposalGroupDisposedOfBySaleNotDiscontinuedOperationsMember2021-08-272021-08-27bhlb:branch0001108134bhlb:MidAtlanticBranchMemberus-gaap:DisposalGroupDisposedOfBySaleNotDiscontinuedOperationsMember2021-08-27xbrli:pure0001108134bhlb:MidAtlanticBranchMemberus-gaap:DisposalGroupDisposedOfBySaleNotDiscontinuedOperationsMember2021-12-310001108134bhlb:MidAtlanticBranchMemberus-gaap:DisposalGroupDisposedOfBySaleNotDiscontinuedOperationsMember2020-12-310001108134bhlb:BerkshireInsuranceGroupIncMemberus-gaap:DisposalGroupDisposedOfBySaleNotDiscontinuedOperationsMember2021-08-240001108134bhlb:BerkshireInsuranceGroupIncMemberus-gaap:DisposalGroupDisposedOfBySaleNotDiscontinuedOperationsMember2021-08-242021-08-240001108134us-gaap:ShortTermInvestmentsMember2021-12-310001108134us-gaap:ShortTermInvestmentsMember2020-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMember2021-12-310001108134us-gaap:CollateralizedDebtObligationsMember2021-12-310001108134bhlb:ResidentialMortgageBackedSecuritiesGuaranteedByUSGovernmentMember2021-12-310001108134us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2021-12-310001108134us-gaap:CorporateBondSecuritiesMember2021-12-310001108134us-gaap:OtherDebtSecuritiesMember2021-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMember2021-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMember2020-12-310001108134us-gaap:CollateralizedDebtObligationsMember2020-12-310001108134bhlb:ResidentialMortgageBackedSecuritiesGuaranteedByUSGovernmentMember2020-12-310001108134us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2020-12-310001108134us-gaap:CorporateBondSecuritiesMember2020-12-310001108134us-gaap:OtherDebtSecuritiesMember2020-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMember2020-12-310001108134us-gaap:AvailableforsaleSecuritiesMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-12-310001108134us-gaap:AvailableforsaleSecuritiesMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:HeldtomaturitySecuritiesMember2021-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:HeldtomaturitySecuritiesMember2020-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMember2021-01-012021-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMember2021-01-012021-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMember2019-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2020-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberbhlb:TaxAdvantagedEconomicDevelopmentBondsMember2020-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMember2020-01-012020-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMember2020-01-012020-12-310001108134us-gaap:CollateralizedDebtObligationsMemberus-gaap:DebtSecuritiesMember2021-12-310001108134bhlb:ResidentialMortgageBackedSecuritiesGuaranteedByUSGovernmentMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:CorporateBondSecuritiesMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:DebtSecuritiesMember2021-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:CollateralizedDebtObligationsMemberus-gaap:DebtSecuritiesMember2020-12-310001108134bhlb:ResidentialMortgageBackedSecuritiesGuaranteedByUSGovernmentMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:CorporateBondSecuritiesMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:AvailableforsaleSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001108134us-gaap:AvailableforsaleSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2021-01-012021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:AvailableforsaleSecuritiesMember2021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:AvailableforsaleSecuritiesMember2021-01-012021-12-310001108134us-gaap:AvailableforsaleSecuritiesMemberus-gaap:CorporateBondSecuritiesMember2021-12-310001108134us-gaap:AvailableforsaleSecuritiesMemberus-gaap:CorporateBondSecuritiesMember2021-01-012021-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:AvailableforsaleSecuritiesMember2021-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:AvailableforsaleSecuritiesMember2021-01-012021-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:HeldtomaturitySecuritiesMember2021-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:HeldtomaturitySecuritiesMember2021-01-012021-12-310001108134us-gaap:CollateralizedMortgageObligationsMemberus-gaap:HeldtomaturitySecuritiesMember2021-12-310001108134us-gaap:CollateralizedMortgageObligationsMemberus-gaap:HeldtomaturitySecuritiesMember2021-01-012021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:HeldtomaturitySecuritiesMember2021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:HeldtomaturitySecuritiesMember2021-01-012021-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMemberus-gaap:HeldtomaturitySecuritiesMember2021-12-310001108134bhlb:TaxAdvantagedEconomicDevelopmentBondsMemberus-gaap:HeldtomaturitySecuritiesMember2021-01-012021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134bhlb:SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember2021-12-310001108134bhlb:SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember2020-12-310001108134bhlb:NonResidentialMemberbhlb:TotalLoansMemberus-gaap:CreditConcentrationRiskMember2021-12-310001108134bhlb:NonResidentialMemberbhlb:TotalLoansMemberus-gaap:CreditConcentrationRiskMember2021-01-012021-12-310001108134bhlb:NonResidentialMemberbhlb:TotalLoansMemberus-gaap:CreditConcentrationRiskMember2020-12-310001108134bhlb:NonResidentialMemberbhlb:TotalLoansMemberus-gaap:CreditConcentrationRiskMember2020-01-012020-12-310001108134us-gaap:ResidentialPortfolioSegmentMember2020-12-310001108134bhlb:CollateralizedResidentialMortgageLoansInProcessOfForeclosureMemberus-gaap:ResidentialPortfolioSegmentMember2021-12-310001108134bhlb:CollateralizedResidentialMortgageLoansInProcessOfForeclosureMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-01-012021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2021-01-012021-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-01-012021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-01-012021-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-01-012021-12-310001108134us-gaap:ResidentialPortfolioSegmentMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2021-01-012021-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-01-012021-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-01-012021-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2020-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2019-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember2019-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2020-01-012020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2019-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember2019-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2020-01-012020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2019-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-01-012020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2019-12-310001108134bhlb:RealEstateNonOwnerOccupiedMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2019-12-310001108134bhlb:RealEstateNonOwnerOccupiedMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2019-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-01-012020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2019-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-01-012020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2019-12-310001108134us-gaap:ResidentialPortfolioSegmentMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:RealEstateLoanMember2019-12-310001108134us-gaap:ResidentialPortfolioSegmentMembersrt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:RealEstateLoanMember2019-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2020-01-012020-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2019-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-01-012020-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-01-012020-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember2019-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:PassMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:SpecialMentionMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:SubstandardMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberbhlb:CommercialMultifamilyMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:SpecialMentionMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:SubstandardMember2021-12-310001108134us-gaap:PassMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:SpecialMentionMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:PassMemberbhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:SpecialMentionMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMember2021-12-310001108134us-gaap:PassMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134us-gaap:SpecialMentionMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:SubstandardMember2021-12-310001108134us-gaap:DoubtfulMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134us-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:RealEstateLoanMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:SubstandardMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:PassMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:SpecialMentionMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:SubstandardMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberbhlb:CommercialMultifamilyMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:SpecialMentionMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:SubstandardMember2020-12-310001108134us-gaap:PassMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:SpecialMentionMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:PassMemberbhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:SpecialMentionMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMember2020-12-310001108134us-gaap:PassMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134us-gaap:SpecialMentionMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:SubstandardMember2020-12-310001108134us-gaap:DoubtfulMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134us-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:SubstandardMember2020-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:NonperformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:PerformingFinancingReceivableMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134us-gaap:NonperformingFinancingReceivableMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:NonperformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:PerformingFinancingReceivableMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134us-gaap:NonperformingFinancingReceivableMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134us-gaap:PerformingFinancingReceivableMemberbhlb:NonAccrualMember2021-12-310001108134us-gaap:PerformingFinancingReceivableMemberbhlb:NonAccrualMember2020-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:SubstandardMember2021-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:SubstandardMember2020-12-310001108134us-gaap:PerformingFinancingReceivableMemberbhlb:ClassifiedMember2021-12-310001108134us-gaap:PerformingFinancingReceivableMemberbhlb:ClassifiedMember2020-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:SpecialMentionMember2021-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:SpecialMentionMember2020-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:CriticizedMember2021-12-310001108134us-gaap:PerformingFinancingReceivableMemberus-gaap:CriticizedMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:CommercialMultifamilyMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancialAssetPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001108134us-gaap:FinancialAssetPastDueMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:RealEstateLoanMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberus-gaap:RealEstateLoanMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001108134us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:FinancialAssetPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:FinancingReceivables30To59DaysPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134us-gaap:FinancialAssetPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001108134us-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001108134us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001108134us-gaap:FinancialAssetPastDueMember2021-12-310001108134us-gaap:FinancialAssetNotPastDueMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:CommercialMultifamilyMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancialAssetPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberus-gaap:FinancialAssetNotPastDueMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001108134us-gaap:FinancialAssetPastDueMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberus-gaap:FinancialAssetNotPastDueMember2020-12-310001108134us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:FinancialAssetPastDueMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:FinancingReceivables30To59DaysPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134us-gaap:FinancialAssetPastDueMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2020-12-310001108134us-gaap:FinancingReceivables30To59DaysPastDueMember2020-12-310001108134us-gaap:FinancingReceivables60To89DaysPastDueMember2020-12-310001108134us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001108134us-gaap:FinancialAssetPastDueMember2020-12-310001108134us-gaap:FinancialAssetNotPastDueMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-10-012021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2021-10-012021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-10-012021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-10-012021-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-10-012021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2021-10-012021-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-10-012021-12-310001108134bhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-10-012021-12-3100011081342021-10-012021-12-310001108134us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberbhlb:InvestmentSecuritiesandCashMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberbhlb:OtherCollateralMember2021-12-310001108134us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberbhlb:InvestmentSecuritiesandCashMember2021-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberbhlb:OtherCollateralMember2021-12-310001108134us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134bhlb:InvestmentSecuritiesandCashMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:OtherCollateralMemberbhlb:RealEstateOwnerOccupiedMember2021-12-310001108134us-gaap:RealEstateMemberbhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberbhlb:InvestmentSecuritiesandCashMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2021-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:OtherCollateralMember2021-12-310001108134us-gaap:RealEstateMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134bhlb:InvestmentSecuritiesandCashMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberbhlb:OtherCollateralMember2021-12-310001108134us-gaap:RealEstateMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:InvestmentSecuritiesandCashMemberus-gaap:RealEstateLoanMember2021-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberbhlb:OtherCollateralMember2021-12-310001108134us-gaap:RealEstateMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134bhlb:InvestmentSecuritiesandCashMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134bhlb:OtherCollateralMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2021-12-310001108134us-gaap:RealEstateMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134bhlb:InvestmentSecuritiesandCashMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134bhlb:ConsumerOtherMemberbhlb:OtherCollateralMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001108134us-gaap:RealEstateMember2021-12-310001108134bhlb:InvestmentSecuritiesandCashMember2021-12-310001108134bhlb:OtherCollateralMember2021-12-310001108134us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberbhlb:InvestmentSecuritiesandCashMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberus-gaap:ConstructionLoansMemberbhlb:OtherCollateralMember2020-12-310001108134us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberbhlb:InvestmentSecuritiesandCashMember2020-12-310001108134us-gaap:CommercialPortfolioSegmentMemberbhlb:CommercialMultifamilyMemberbhlb:OtherCollateralMember2020-12-310001108134us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134bhlb:InvestmentSecuritiesandCashMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:OtherCollateralMemberbhlb:RealEstateOwnerOccupiedMember2020-12-310001108134us-gaap:RealEstateMemberbhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberbhlb:InvestmentSecuritiesandCashMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:RealEstateNonOwnerOccupiedMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:OtherCollateralMember2020-12-310001108134us-gaap:RealEstateMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134bhlb:InvestmentSecuritiesandCashMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberbhlb:OtherCollateralMember2020-12-310001108134us-gaap:RealEstateMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:InvestmentSecuritiesandCashMemberus-gaap:RealEstateLoanMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateLoanMemberbhlb:OtherCollateralMember2020-12-310001108134us-gaap:RealEstateMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134bhlb:InvestmentSecuritiesandCashMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134bhlb:OtherCollateralMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-12-310001108134us-gaap:RealEstateMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134bhlb:InvestmentSecuritiesandCashMemberbhlb:ConsumerOtherMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134bhlb:ConsumerOtherMemberbhlb:OtherCollateralMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134us-gaap:RealEstateMember2020-12-310001108134bhlb:InvestmentSecuritiesandCashMember2020-12-310001108134bhlb:OtherCollateralMember2020-12-31bhlb:loan0001108134bhlb:OtherRealEstateLoansMemberbhlb:CommercialRealEstateNonOwnerOccupiedMember2021-01-012021-12-310001108134bhlb:OtherRealEstateLoansMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2021-01-012021-12-310001108134bhlb:OtherRealEstateLoansMemberbhlb:CommercialRealEstateNonOwnerOccupiedMember2019-01-012019-12-310001108134bhlb:OtherRealEstateLoansMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2019-01-012019-12-310001108134bhlb:OtherRealEstateLoansMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134bhlb:OtherRealEstateLoansMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:A1to4FamilyMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMemberus-gaap:HomeEquityLoanMember2020-01-012020-12-310001108134bhlb:OtherRealEstateLoansMemberus-gaap:ConsumerPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134bhlb:LoansFromBusinessActivitiesMember2020-01-012020-12-310001108134bhlb:OtherRealEstateLoansMemberbhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-01-012020-12-310001108134bhlb:OtherRealEstateLoansMemberbhlb:LoansAcquiredFromBusinessCombinationsMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-01-012020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:A1to4FamilyMemberbhlb:LoansAcquiredFromBusinessCombinationsMember2020-01-012020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:HomeEquityLoanMember2020-01-012020-12-310001108134bhlb:OtherRealEstateLoansMemberbhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:ConsumerPortfolioSegmentMember2020-01-012020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-01-012020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-01-012020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:LoansAcquiredFromBusinessCombinationsMember2020-01-012020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:ConsumerPortfolioSegmentMember2020-01-012020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMember2020-01-012020-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2019-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2019-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2019-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2019-12-310001108134bhlb:LoansFromBusinessActivitiesMember2019-12-310001108134us-gaap:CommercialRealEstatePortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-12-310001108134bhlb:CommercialAndIndustrialLoansPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-12-310001108134us-gaap:ConsumerPortfolioSegmentMemberbhlb:LoansFromBusinessActivitiesMember2020-12-310001108134bhlb:LoansFromBusinessActivitiesMember2020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2019-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2019-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:LoansAcquiredFromBusinessCombinationsMember2019-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMember2019-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberbhlb:CommercialAndIndustrialLoansPortfolioSegmentMember2020-12-310001108134us-gaap:ResidentialPortfolioSegmentMemberbhlb:LoansAcquiredFromBusinessCombinationsMember2020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001108134bhlb:LoansAcquiredFromBusinessCombinationsMember2020-12-310001108134us-gaap:LandMember2021-12-310001108134us-gaap:LandMember2020-12-310001108134us-gaap:BuildingImprovementsMember2021-12-310001108134us-gaap:BuildingImprovementsMember2020-12-310001108134us-gaap:BuildingImprovementsMembersrt:MinimumMember2021-01-012021-12-310001108134us-gaap:BuildingImprovementsMembersrt:MaximumMember2021-01-012021-12-310001108134bhlb:FurnitureAndEquipmentMember2021-12-310001108134bhlb:FurnitureAndEquipmentMember2020-12-310001108134srt:MinimumMemberbhlb:FurnitureAndEquipmentMember2021-01-012021-12-310001108134bhlb:FurnitureAndEquipmentMembersrt:MaximumMember2021-01-012021-12-310001108134us-gaap:ConstructionInProgressMember2021-12-310001108134us-gaap:ConstructionInProgressMember2020-12-310001108134bhlb:ContinuingAndDiscontinuedOperationsMember2021-12-310001108134bhlb:ContinuingAndDiscontinuedOperationsMember2020-12-31bhlb:acquisition0001108134bhlb:NonMaturityDepositsMember2021-12-310001108134bhlb:InsuranceContractsMember2021-12-310001108134us-gaap:OtherIntangibleAssetsMember2021-12-310001108134bhlb:NonMaturityDepositsMember2020-12-310001108134bhlb:InsuranceContractsMember2020-12-310001108134us-gaap:OtherIntangibleAssetsMember2020-12-310001108134bhlb:MidAtlanticBranchSaleMemberus-gaap:DisposalGroupDisposedOfBySaleNotDiscontinuedOperationsMember2020-12-310001108134srt:MinimumMember2021-01-012021-12-310001108134srt:MaximumMember2021-01-012021-12-310001108134us-gaap:SegmentContinuingOperationsMember2021-01-012021-12-310001108134us-gaap:SegmentContinuingOperationsMember2020-01-012020-12-310001108134us-gaap:SegmentContinuingOperationsMember2019-01-012019-12-310001108134us-gaap:SegmentDiscontinuedOperationsMember2020-01-012020-12-310001108134us-gaap:SegmentDiscontinuedOperationsMember2019-01-012019-12-310001108134srt:AffiliatedEntityMember2021-12-310001108134srt:AffiliatedEntityMember2020-12-310001108134us-gaap:FederalHomeLoanBankCertificatesAndObligationsFHLBMember2021-12-310001108134us-gaap:FederalHomeLoanBankCertificatesAndObligationsFHLBMember2020-12-310001108134bhlb:PaycheckProtectionProgramCARESActMember2021-12-310001108134bhlb:PaycheckProtectionProgramCARESActMember2020-12-310001108134bhlb:PrivatePlacementSubordinatedNotesMember2021-12-310001108134bhlb:PrivatePlacementSubordinatedNotesMember2020-12-310001108134us-gaap:JuniorSubordinatedDebtMember2021-12-310001108134us-gaap:JuniorSubordinatedDebtMember2020-12-310001108134bhlb:SICapitalTrustIIMember2021-12-310001108134bhlb:SICapitalTrustIIMember2020-12-310001108134us-gaap:FederalReserveBankAdvancesMember2021-12-310001108134us-gaap:FederalReserveBankAdvancesMember2020-12-310001108134us-gaap:FederalReserveBankAdvancesMember2021-12-310001108134us-gaap:FederalReserveBankAdvancesMember2020-12-310001108134bhlb:FederalHomeLoanBankCertificatesAndObligationsFHLBCallableAdvancesMember2021-12-310001108134bhlb:FederalHomeLoanBankCertificatesAndObligationsFHLBAmortizingAdvancesMember2021-12-310001108134bhlb:FederalHomeLoanBankCertificatesAndObligationsFHLBCallableAdvancesMember2020-12-310001108134bhlb:FederalHomeLoanBankCertificatesAndObligationsFHLBAmortizingAdvancesMember2020-12-310001108134bhlb:FederalHomeLoanBankFixedRateAdvancesMember2021-12-310001108134srt:WeightedAverageMemberbhlb:FederalHomeLoanBankFixedRateAdvancesMember2021-12-310001108134srt:WeightedAverageMember2021-12-310001108134bhlb:PrivatePlacementSubordinatedNotesMember2012-09-012012-09-300001108134bhlb:PrivatePlacementSubordinatedNotesMember2012-09-300001108134bhlb:PrivatePlacementSubordinatedNotesMemberbhlb:DebtInstrumentVariableRateThreeMonthLIBORMember2012-09-012012-09-300001108134bhlb:PrivatePlacementSubordinatedNotesMemberbhlb:DebtInstrumentVariableRateThreeMonthLIBORMember2021-12-310001108134bhlb:PrivatePlacementSubordinatedNotesMemberbhlb:DebtInstrumentVariableRateThreeMonthLIBORMember2020-12-310001108134bhlb:BerkshireHillsCapitalTrustIMemberus-gaap:JuniorSubordinatedDebtMember2021-12-310001108134bhlb:BerkshireHillsCapitalTrustIMemberus-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMember2021-01-012021-12-310001108134bhlb:BerkshireHillsCapitalTrustIMemberus-gaap:JuniorSubordinatedDebtMember2020-12-310001108134bhlb:BerkshireHillsCapitalTrustIMemberus-gaap:JuniorSubordinatedDebtMember2021-01-012021-12-310001108134us-gaap:JuniorSubordinatedDebtMemberbhlb:SICapitalTrustIIMember2021-12-310001108134us-gaap:JuniorSubordinatedDebtMemberbhlb:SICapitalTrustIIMemberus-gaap:LondonInterbankOfferedRateLIBORMember2021-01-012021-12-310001108134us-gaap:JuniorSubordinatedDebtMemberbhlb:SICapitalTrustIIMember2020-12-310001108134us-gaap:JuniorSubordinatedDebtMemberbhlb:SICapitalTrustIIMember2021-01-012021-12-310001108134us-gaap:PensionPlansDefinedBenefitMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMember2019-12-310001108134us-gaap:PensionPlansDefinedBenefitMember2021-01-012021-12-310001108134us-gaap:PensionPlansDefinedBenefitMember2020-01-012020-12-310001108134us-gaap:PensionPlansDefinedBenefitMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:OtherAssetsMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:OtherAssetsMember2020-12-310001108134us-gaap:OtherLiabilitiesMemberus-gaap:PensionPlansDefinedBenefitMember2021-12-310001108134us-gaap:OtherLiabilitiesMemberus-gaap:PensionPlansDefinedBenefitMember2020-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesMember2021-12-310001108134us-gaap:FixedIncomeFundsMember2021-12-310001108134us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberbhlb:DefinedBenefitPlanEquityMutualFundsLargeCapMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberbhlb:DefinedBenefitPlanEquityMutualFundsLargeCapMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Memberbhlb:DefinedBenefitPlanEquityMutualFundsLargeCapMember2021-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesMidCapMemberus-gaap:PensionPlansDefinedBenefitMember2021-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesMidCapMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Member2021-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesMidCapMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Member2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanEquitySecuritiesSmallCapMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberus-gaap:DefinedBenefitPlanEquitySecuritiesSmallCapMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanEquitySecuritiesSmallCapMemberus-gaap:FairValueInputsLevel2Member2021-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMemberus-gaap:PensionPlansDefinedBenefitMember2021-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Member2021-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Member2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FixedIncomeFundsMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMemberus-gaap:FairValueInputsLevel2Member2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberbhlb:IntermediateDurationMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberbhlb:IntermediateDurationMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Memberbhlb:IntermediateDurationMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberus-gaap:MoneyMarketFundsMember2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMemberus-gaap:FairValueInputsLevel2Member2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Member2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Member2021-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberbhlb:DefinedBenefitPlanEquityMutualFundsLargeCapMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberbhlb:DefinedBenefitPlanEquityMutualFundsLargeCapMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Memberbhlb:DefinedBenefitPlanEquityMutualFundsLargeCapMember2020-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesMidCapMemberus-gaap:PensionPlansDefinedBenefitMember2020-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesMidCapMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Member2020-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesMidCapMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Member2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanEquitySecuritiesSmallCapMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberus-gaap:DefinedBenefitPlanEquitySecuritiesSmallCapMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanEquitySecuritiesSmallCapMemberus-gaap:FairValueInputsLevel2Member2020-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMemberus-gaap:PensionPlansDefinedBenefitMember2020-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Member2020-12-310001108134us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMemberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Member2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FixedIncomeFundsMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMemberus-gaap:FairValueInputsLevel2Member2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberbhlb:IntermediateDurationMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberbhlb:IntermediateDurationMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Memberbhlb:IntermediateDurationMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Memberus-gaap:MoneyMarketFundsMember2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMemberus-gaap:FairValueInputsLevel2Member2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel1Member2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMemberus-gaap:FairValueInputsLevel2Member2020-12-310001108134us-gaap:PensionPlansDefinedBenefitMember2021-07-010001108134us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2014-08-012014-08-010001108134us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2020-12-310001108134us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2019-12-310001108134us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2021-01-012021-12-310001108134us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2020-01-012020-12-310001108134us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2021-12-310001108134us-gaap:OtherLiabilitiesMemberus-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2021-12-310001108134us-gaap:OtherLiabilitiesMemberus-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember2020-12-310001108134us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember2021-01-012021-12-310001108134us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember2021-12-310001108134us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember2020-12-310001108134us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember2020-01-012020-12-310001108134us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember2019-01-012019-12-310001108134us-gaap:DomesticCountryMember2021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMember2021-12-310001108134us-gaap:NondesignatedMember2021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:InterestRateSwapMember2021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:RiskParticipationAgreementsMember2021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ForwardCommitmentsMember2021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:NontaxableMunicipalBondsMemberus-gaap:InterestRateSwapMember2021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:NontaxableMunicipalBondsMemberus-gaap:InterestRateSwapMember2021-01-012021-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:InterestRateSwapMember2021-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:InterestRateSwapMember2021-01-012021-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ReverseInterestRateSwapsMember2021-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ReverseInterestRateSwapsMember2021-01-012021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:RiskParticipationAgreementsMember2021-01-012021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ForwardCommitmentsMember2021-01-012021-12-310001108134us-gaap:CommitmentsToExtendCreditMemberus-gaap:NondesignatedMember2021-12-310001108134us-gaap:CommitmentsToExtendCreditMemberus-gaap:NondesignatedMember2021-01-012021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:NontaxableMunicipalBondsMemberus-gaap:InterestRateSwapMember2020-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:NontaxableMunicipalBondsMemberus-gaap:InterestRateSwapMember2020-01-012020-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:InterestRateSwapMember2020-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:InterestRateSwapMember2020-01-012020-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ReverseInterestRateSwapsMember2020-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ReverseInterestRateSwapsMember2020-01-012020-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:RiskParticipationAgreementsMember2020-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:RiskParticipationAgreementsMember2020-01-012020-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ForwardCommitmentsMember2020-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ForwardCommitmentsMember2020-01-012020-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMember2020-12-310001108134us-gaap:CommitmentsToExtendCreditMemberus-gaap:NondesignatedMember2020-12-310001108134us-gaap:CommitmentsToExtendCreditMemberus-gaap:NondesignatedMember2020-01-012020-12-310001108134us-gaap:NondesignatedMember2020-12-310001108134bhlb:EconomicHedgingMemberus-gaap:NontaxableMunicipalBondsMemberus-gaap:InterestRateSwapMember2021-12-310001108134bhlb:EconomicHedgingMemberus-gaap:NontaxableMunicipalBondsMember2021-12-310001108134bhlb:EconomicHedgingMemberus-gaap:NontaxableMunicipalBondsMember2021-01-012021-12-310001108134bhlb:EconomicHedgingMember2021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:IndustrialRevenueBondMemberus-gaap:InterestRateSwapMember2021-01-012021-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:IndustrialRevenueBondMemberus-gaap:InterestRateSwapMember2020-01-012020-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:IndustrialRevenueBondMemberus-gaap:InterestRateSwapMember2019-01-012019-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberus-gaap:InterestRateSwapMember2019-01-012019-12-310001108134us-gaap:CommercialPaperMemberus-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ReverseInterestRateSwapsMember2019-01-012019-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:RiskParticipationAgreementsMember2019-01-012019-12-310001108134us-gaap:DesignatedAsHedgingInstrumentMemberbhlb:EconomicHedgingMemberbhlb:ForwardCommitmentsMember2019-01-012019-12-310001108134us-gaap:CommitmentsToExtendCreditMemberus-gaap:NondesignatedMember2019-01-012019-12-310001108134bhlb:FinancialInstitutionsMemberus-gaap:InterestRateSwapMember2021-12-310001108134bhlb:FinancialInstitutionsMemberus-gaap:InterestRateSwapMember2020-12-310001108134bhlb:CommercialCounterpartiesMemberus-gaap:InterestRateSwapMember2021-12-310001108134bhlb:CommercialCounterpartiesMemberus-gaap:InterestRateSwapMember2020-12-310001108134bhlb:InstitutionalCounterpartiesMemberus-gaap:InterestRateSwapMember2021-12-310001108134us-gaap:InterestRateSwapMember2021-12-310001108134bhlb:InstitutionalCounterpartiesMemberus-gaap:InterestRateSwapMember2020-12-310001108134us-gaap:InterestRateSwapMember2020-12-310001108134us-gaap:LoanOriginationCommitmentsMember2021-12-310001108134us-gaap:LoanOriginationCommitmentsMember2020-12-310001108134us-gaap:UnusedLinesOfCreditMember2021-12-310001108134us-gaap:UnusedLinesOfCreditMember2020-12-310001108134bhlb:UnadvancedFundsOnLinesOfCreditMember2021-12-310001108134bhlb:UnadvancedFundsOnLinesOfCreditMember2020-12-310001108134bhlb:UnadvancedFundsOnLoansMember2021-12-310001108134bhlb:UnadvancedFundsOnLoansMember2020-12-310001108134us-gaap:StandbyLettersOfCreditMember2021-12-310001108134us-gaap:StandbyLettersOfCreditMember2020-12-310001108134srt:SubsidiariesMember2021-12-310001108134srt:SubsidiariesMember2020-12-310001108134us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2021-12-310001108134us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2020-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-01-012021-12-310001108134us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2021-01-012021-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-01-012020-12-310001108134us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2020-01-012020-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-01-012019-12-310001108134us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2019-01-012019-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-12-310001108134us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2019-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2018-12-310001108134us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2018-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2021-01-012021-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2020-01-012020-12-310001108134us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2019-01-012019-12-310001108134us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2021-01-012021-12-310001108134us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2020-01-012020-12-310001108134us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2019-01-012019-12-310001108134us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2021-01-012021-12-310001108134us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2020-01-012020-12-310001108134us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2019-01-012019-12-310001108134us-gaap:RestrictedStockMember2021-01-012021-12-310001108134us-gaap:RestrictedStockMember2020-01-012020-12-310001108134us-gaap:RestrictedStockMember2019-01-012019-12-310001108134us-gaap:EmployeeStockOptionMember2021-01-012021-12-310001108134us-gaap:EmployeeStockOptionMember2020-01-012020-12-310001108134us-gaap:EmployeeStockOptionMember2019-01-012019-12-310001108134us-gaap:EmployeeStockOptionMember2021-01-012021-12-310001108134us-gaap:EmployeeStockOptionMember2019-01-012019-12-310001108134bhlb:EquityCompensationPlan2018Member2021-12-310001108134us-gaap:RestrictedStockMemberbhlb:EquityCompensationPlan2018Member2021-01-012021-12-310001108134us-gaap:EmployeeStockOptionMemberbhlb:EquityCompensationPlan2018Member2021-01-012021-12-310001108134us-gaap:RestrictedStockMember2020-12-310001108134us-gaap:EmployeeStockOptionMember2020-12-310001108134us-gaap:RestrictedStockMember2021-12-310001108134us-gaap:EmployeeStockOptionMember2021-12-310001108134us-gaap:EmployeeStockOptionMember2019-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001108134us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2021-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:EquitySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:EquitySecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:EquitySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:EquitySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2020-12-310001108134us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2020-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMemberus-gaap:CollateralizedMortgageObligationsMember2020-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CorporateBondSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:OtherDebtSecuritiesMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:DebtSecuritiesMember2020-12-310001108134us-gaap:FairValueInputsLevel1Memberus-gaap:EquitySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:EquitySecuritiesMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:EquitySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:EquitySecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-31bhlb:transfer0001108134us-gaap:TradingAssetsExcludingDebtAndEquitySecuritiesMember2021-01-012021-12-31bhlb:security0001108134bhlb:LoansHeldforInvestmentMembersrt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2020-01-010001108134us-gaap:SegmentContinuingOperationsMemberbhlb:LoansHeldforInvestmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:SegmentContinuingOperationsMemberbhlb:LoansHeldforInvestmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:SegmentContinuingOperationsMemberus-gaap:FairValueInputsLevel2Memberbhlb:LoansHeldForSaleMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:SegmentContinuingOperationsMemberus-gaap:FairValueInputsLevel2Memberbhlb:LoansHeldForSaleMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:SegmentContinuingOperationsMemberbhlb:LoansHeldForSaleMember2021-01-012021-12-310001108134us-gaap:SegmentContinuingOperationsMemberbhlb:LoansHeldForSaleMember2020-01-012020-12-310001108134bhlb:LoansHeldForSaleMemberus-gaap:SegmentDiscontinuedOperationsMember2020-01-012020-12-310001108134us-gaap:TradingAssetsExcludingDebtAndEquitySecuritiesMember2019-12-310001108134us-gaap:AvailableforsaleSecuritiesMember2019-12-310001108134bhlb:LoansHeldforInvestmentMember2019-12-310001108134us-gaap:CommitmentsToExtendCreditMember2019-12-310001108134us-gaap:ForwardContractsMember2019-12-310001108134bhlb:CapitalizedMortgageServicingRightsMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberbhlb:LoansHeldforInvestmentMember2019-12-310001108134srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberbhlb:CapitalizedMortgageServicingRightsMember2019-12-310001108134us-gaap:AvailableforsaleSecuritiesMember2020-01-012020-12-310001108134us-gaap:TradingAssetsExcludingDebtAndEquitySecuritiesMember2020-01-012020-12-310001108134bhlb:LoansHeldforInvestmentMember2020-01-012020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMember2020-01-012020-12-310001108134us-gaap:CommitmentsToExtendCreditMemberus-gaap:SegmentDiscontinuedOperationsMember2020-01-012020-12-310001108134us-gaap:ForwardContractsMemberus-gaap:SegmentDiscontinuedOperationsMember2020-01-012020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:SegmentDiscontinuedOperationsMember2020-01-012020-12-310001108134us-gaap:CommitmentsToExtendCreditMember2020-01-012020-12-310001108134us-gaap:TradingAssetsExcludingDebtAndEquitySecuritiesMember2020-12-310001108134us-gaap:AvailableforsaleSecuritiesMember2020-12-310001108134bhlb:LoansHeldforInvestmentMember2020-12-310001108134us-gaap:CommitmentsToExtendCreditMember2020-12-310001108134us-gaap:ForwardContractsMember2020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMember2020-12-310001108134us-gaap:AvailableforsaleSecuritiesMember2021-01-012021-12-310001108134bhlb:LoansHeldforInvestmentMember2021-01-012021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMember2021-01-012021-12-310001108134us-gaap:CommitmentsToExtendCreditMember2021-01-012021-12-310001108134us-gaap:TradingAssetsExcludingDebtAndEquitySecuritiesMember2021-12-310001108134us-gaap:AvailableforsaleSecuritiesMember2021-12-310001108134bhlb:LoansHeldforInvestmentMember2021-12-310001108134us-gaap:CommitmentsToExtendCreditMember2021-12-310001108134us-gaap:ForwardContractsMember2021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:AvailableforsaleSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:MarketApproachValuationTechniqueMemberus-gaap:AvailableforsaleSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberbhlb:MeasurementInputPriceIndicationMember2021-12-310001108134bhlb:CollateralValueMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134bhlb:CollateralValueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMembersrt:MaximumMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:CommitmentsToExtendCreditMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberbhlb:HistoricalTrendValuationTechniqueMemberus-gaap:CommitmentsToExtendCreditMemberus-gaap:FairValueMeasurementsRecurringMemberbhlb:MeasurementInputClosingRatioMember2021-12-310001108134bhlb:MeasurementInputOriginationCostsMemberus-gaap:FairValueInputsLevel3Memberbhlb:PricingModelValuationTechniqueMemberus-gaap:CommitmentsToExtendCreditMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-31bhlb:uSDPerLoan0001108134us-gaap:FairValueInputsLevel3Memberbhlb:ForwardCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberbhlb:ForwardCommitmentsMemberbhlb:HistoricalTrendValuationTechniqueMemberus-gaap:FairValueMeasurementsRecurringMemberbhlb:MeasurementInputClosingRatioMember2021-12-310001108134bhlb:MeasurementInputOriginationCostsMemberus-gaap:FairValueInputsLevel3Memberbhlb:ForwardCommitmentsMemberbhlb:PricingModelValuationTechniqueMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:AvailableforsaleSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:MarketApproachValuationTechniqueMemberus-gaap:AvailableforsaleSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberbhlb:MeasurementInputPriceIndicationMember2020-12-310001108134bhlb:CollateralValueMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134bhlb:CollateralValueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMembersrt:MaximumMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:CommitmentsToExtendCreditMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberbhlb:HistoricalTrendValuationTechniqueMemberus-gaap:CommitmentsToExtendCreditMemberus-gaap:FairValueMeasurementsRecurringMemberbhlb:MeasurementInputClosingRatioMember2020-12-310001108134bhlb:MeasurementInputOriginationCostsMemberus-gaap:FairValueInputsLevel3Memberbhlb:PricingModelValuationTechniqueMemberus-gaap:CommitmentsToExtendCreditMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberbhlb:ForwardCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberbhlb:ForwardCommitmentsMemberbhlb:HistoricalTrendValuationTechniqueMemberus-gaap:FairValueMeasurementsRecurringMemberbhlb:MeasurementInputClosingRatioMember2020-12-310001108134bhlb:MeasurementInputOriginationCostsMemberus-gaap:FairValueInputsLevel3Memberbhlb:ForwardCommitmentsMemberbhlb:PricingModelValuationTechniqueMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputLossSeverityMembersrt:MinimumMemberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputLossSeverityMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMember2021-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputLossSeverityMemberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMember2021-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMembersrt:MaximumMember2021-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMember2021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMember2021-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMembersrt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMember2021-12-310001108134bhlb:CapitalizedMortgageServicingRightsMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputLossSeverityMembersrt:MinimumMemberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputLossSeverityMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMember2020-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputLossSeverityMemberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMember2020-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMembersrt:MaximumMember2020-12-310001108134bhlb:FairValueOfCollateralValuationTechniqueMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMember2020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMember2020-12-310001108134us-gaap:MeasurementInputConstantPrepaymentRateMemberbhlb:CapitalizedMortgageServicingRightsMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMembersrt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMember2020-12-310001108134bhlb:CapitalizedMortgageServicingRightsMembersrt:WeightedAverageMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001108134us-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMember2020-12-310001108134us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:MeasurementInputAppraisedValueMembersrt:MaximumMember2020-12-310001108134us-gaap:CarryingReportedAmountFairValueDisclosureMember2021-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMember2021-12-310001108134us-gaap:FairValueInputsLevel1Member2021-12-310001108134us-gaap:FairValueInputsLevel2Member2021-12-310001108134us-gaap:FairValueInputsLevel3Member2021-12-310001108134us-gaap:CarryingReportedAmountFairValueDisclosureMember2020-12-310001108134us-gaap:EstimateOfFairValueFairValueDisclosureMember2020-12-310001108134us-gaap:FairValueInputsLevel1Member2020-12-310001108134us-gaap:FairValueInputsLevel2Member2020-12-310001108134us-gaap:FairValueInputsLevel3Member2020-12-310001108134srt:ParentCompanyMembersrt:ReportableLegalEntitiesMember2021-12-310001108134srt:ParentCompanyMembersrt:ReportableLegalEntitiesMember2020-12-310001108134srt:ParentCompanyMembersrt:ReportableLegalEntitiesMember2021-01-012021-12-310001108134srt:ParentCompanyMembersrt:ReportableLegalEntitiesMember2020-01-012020-12-310001108134srt:ParentCompanyMembersrt:ReportableLegalEntitiesMember2019-01-012019-12-310001108134srt:ParentCompanyMembersrt:ReportableLegalEntitiesMember2019-12-310001108134srt:ParentCompanyMembersrt:ReportableLegalEntitiesMember2018-12-3100011081342021-07-012021-09-3000011081342021-04-012021-06-3000011081342021-01-012021-03-3100011081342020-10-012020-12-3100011081342020-07-012020-09-3000011081342020-04-012020-06-3000011081342020-01-012020-03-310001108134bhlb:ServiceChargesMember2021-01-012021-12-310001108134bhlb:ServiceChargesMember2020-01-012020-12-310001108134bhlb:ServiceChargesMember2019-01-012019-12-310001108134bhlb:InterchangeIncomeMember2021-01-012021-12-310001108134bhlb:InterchangeIncomeMember2020-01-012020-12-310001108134bhlb:InterchangeIncomeMember2019-01-012019-12-31
Table of Contents

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 10-K
 
      ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the fiscal year ended: December 31, 2021
 
         TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the transition period from           to           
 
Commission File Number: 001-15781
bhlb-20211231_g1.jpg
BERKSHIRE HILLS BANCORP, INC.
(Exact name of registrant as specified in its charter)
 
Delaware 04-3510455
(State or other jurisdiction of
incorporation or organization)
 (I.R.S. Employer Identification No.)
 
60 State StreetBoston Massachusetts02109
(Address of principal executive offices)(Zip Code)
 
Registrant’s telephone number, including area code: (617) 641-9206,
 
Securities registered pursuant to Section 12(b) of the Act:
 
 Title of each classTrading Symbol(s) Name of Exchange on which registered 
 Common stock, par value $0.01 per shareBHLB New York Stock Exchange 
 
Securities registered pursuant to Section 12(g) of the Act: None
 
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes ý
No o
 
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.  Yes o No ý
 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes ý No o
 
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).  Yes ý No o
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company.  See the definition of “large accelerated filer,” “accelerated filer”, “smaller reporting company”, and "emerging growth company" in Rule 12b-2 of the Exchange Act.  (Check one)
 
Large Accelerated Filer xAccelerated Filer
   
Non-Accelerated Filer oSmaller Reporting Company
Emerging Growth Company
 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of
the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15
U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).  Yes No ý
 
The aggregate market value of the voting and non-voting common equity held by non-affiliates was approximately $1.4 billion, based upon the closing price of $27.41 as quoted on the New York Stock Exchange as of the last business day of the registrant’s most recently completed second fiscal quarter.
 
The number of shares outstanding of the registrant’s common stock as of February 25, 2022 was 48,378,891.
 
DOCUMENTS INCORPORATED BY REFERENCE:  Portions of the Proxy Statement for the 2022 Annual Meeting of Shareholders are incorporated by reference in Part III of this Form 10-K.



Table of Contents

INDEX
 
 
   
   
   
   
   
   
   
 
   

   
   

   
   
   

   
   
   
 
   
   
   

2

Table of Contents


   
   
 
   
   
   
TABLE INDEX 
   
   
   
 
ITEM 1 TABLE 1 — LOAN PORTFOLIO ANALYSIS
   
 
   
 
   
 
   
 
   
 
   
 
   
   
   
 
ITEM 7 TABLE 1 — AVERAGE BALANCES, INTEREST AND AVERAGE YIELD COSTS
   
 
   
 
3

Table of Contents
PART I

ITEM 1. BUSINESS

FORWARD-LOOKING STATEMENTS
Certain statements contained in this document that are not historical facts may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (referred to as the Securities Act), and Section 21E of the Securities Exchange Act of 1934, as amended (referred to as the Securities Exchange Act), and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. 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, changes in general economic and business conditions, increased competitive pressures, changes in the interest rate environment, legislative and regulatory change, changes in the financial markets, and other risks and uncertainties disclosed from time to time in documents that Berkshire Hills Bancorp files with the Securities and Exchange Commission, including the Risk Factors in Item 1A of this report.

Further, the ongoing COVID-19 pandemic and the related local and national economic disruption may continue to result in a decline in demand for our products and services; increased levels of loan delinquencies, problem assets and foreclosures; an increase in our allowance for loan losses; a decline in the value of loan collateral, including real estate; a greater decline in the yield on our interest-earning assets than the decline in the cost of our interest-bearing liabilities; and increased cybersecurity risks, as employees continue to work remotely. Additionally, financial markets and/or Company operations may be adversely affected by the current or anticipated impact of military conflict, including escalating military tension between Russia and Ukraine, terrorism or other geopolitical events.

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. In addition, Berkshire’s past results of operations do not necessarily indicate Berkshire’s combined future results. You should not place undue reliance on any of the forward-looking statements, which speak only as of the dates on which they were made. Berkshire is not undertaking an obligation to update forward-looking statements, even though its situation may change in the future, except as required under federal securities law. Berkshire qualifies all of its forward-looking statements by these cautionary statements.

GENERAL
Berkshire Hills Bancorp, Inc. (“Berkshire” or “the Company”) is headquartered in Boston, Massachusetts. Berkshire is a Delaware corporation and the holding company for Berkshire Bank (“the Bank”).

Berkshire Bank is transforming what it means to bank its neighbors socially, humanly, and digitally to empower the financial potential of people, families, and businesses in its communities as it pursues its vision of being the leading socially responsible omni-channel community bank in the markets it serves. Berkshire Bank provides business and consumer banking, mortgage, wealth management, and investment services.

At year-end 2021, the Bank had 106 full-service banking offices in its New England and New York footprint. During 2021, the Company opened commercial banking offices in New Haven, CT and Providence, RI. During the year 2021, the Company sold its 8 Mid-Atlantic banking offices and related operations, while maintaining a commercial lending office with an asset-based lending focus. Also during the year, the Bank consolidated 16 branch offices in its New England/New York footprint. and sold its insurance operations.

The emergence of the global COVID-19 pandemic in the first quarter of 2020 affected many aspects of the Company’s operations and financial condition through 2020 and 2021, as further described in other sections of this report. The Company’s markets were initially among the hardest hit areas in the world. Beginning in the first
4

Table of Contents
quarter of 2021, the Company’s markets were among the leading areas of the country in achieving high rates of vaccination with new vaccines that were deployed.

FILINGS
Information regarding the Company is available through the Investor Relations tab at berkshirebank.com. The Company’s annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and any amendments to those reports filed pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 are available free of charge at sec.gov and, as soon as reasonably practicable after we electronically file such material with the Securities and Exchange Commission, at berkshirebank.com under the Investor Relations tab. Information on the website is not incorporated by reference and is not a part of this annual report on Form 10-K.

COMPETITION
The Company is subject to strong competition from banks and other financial institutions and financial service providers. Its competition includes national and super-regional banks. Non-bank competitors include credit unions, brokerage firms, insurance providers, financial planners, and the mutual fund industry. New technology is reshaping customer interaction with financial service providers and the increase of internet-accessible financial institutions increases competition for the Company’s customers. The Company generally competes on the basis of customer service, relationship management, and the fair pricing of its products. The location and convenience of branch offices is also a significant competitive factor, particularly regarding new offices. The Company is pursuing a “banker heavy, branch light” model in newer markets, and uses its mobile MyBanker teams which provide personalized service to customers with committed relationships. The Company does not rely on any individual, group, or entity for a material portion of its deposits. Due to recent mergers of in-market bank competitors, the Company is pursuing opportunities to expand its market share and talent recruitment.

LENDING ACTIVITIES
General. The Bank originates loans in the four basic portfolio categories discussed below. Lending activities are limited by federal and state laws and regulations. Loan interest rates and other key loan terms are affected principally by the Bank’s credit policy, asset/liability strategy, loan demand, competition, and the supply of money available for lending purposes. These factors, in turn, are affected by general and economic conditions, monetary policies of the federal government, including the Federal Reserve, legislative tax policies, and governmental budgetary matters. Most of the Bank’s loans held for investment are made in its market areas and are secured by real estate located in its market areas. Lending is therefore affected by activity in these real estate markets. The Bank monitors and manages the amount of long-term fixed-rate lending volume. Adjustable-rate loan products generally reduce interest rate risk but may produce higher loan losses in the event of sustained rate increases. The Bank generally originates loans for investment except for residential mortgages, which are generally originated for sale on a servicing released basis. Additionally, the Bank also originates Small Business Administration ("SBA") 7A loans for sale to investors. The Bank also conducts wholesale purchases and sales of loans and loan participations generally with other banks doing business in its markets, including selected national banks. The information discussed below describes the Company’s ongoing lending activities. The COVID-19 pandemic conditions that affected the Company’s activities in 2021 and 2020 are discussed in Management’s Discussion and Analysis in Item 7 of this report.


5

Table of Contents
Loan Portfolio Analysis. The following table sets forth the year-end composition of the Bank’s loan portfolio in dollar amounts and as a percentage of the portfolio at the dates indicated. Further information about the composition of the loan portfolio is contained in Note 7 - Loans of the Consolidated Financial Statements.

Item 1 - Table 1 - Loan Portfolio Analysis
202120202019
(In millions)Amount Percent of Total AmountPercent of TotalAmountPercent of Total
Loans:
Construction$324 4.7 %$455 5.6 %$449 4.7 %
Commercial multifamily516 7.6 483 6.0 632 6.7 
Commercial real estate owner occupied607 8.9 552 6.8 673 7.1 
Commercial real estate non-owner occupied2,157 31.6 2,119 26.2 2,190 23.0 
Commercial and industrial1,285 18.8 1,943 24.0 1,844 19.4 
Residential real estate1,489 21.8 1,932 23.9 2,853 30.0 
Home equity252 3.7 294 3.7 379 4.0 
Consumer other196 2.9 303 3.8 483 5.1 
Total$6,826 100.0 %$8,081 100.0 %$9,503 100.0 %
Allowance for credit losses (1)
(106)(127)(64)
Net loans$6,720 $7,954 $9,439 
(1)    Beginning January 1, 2020, the allowance calculation is based on current expected loss methodology. Prior to January 1, 2020, the allowance calculation was based on the incurred loss model.

Commercial Real Estate. The Bank originates commercial real estate loans on properties used for business purposes such as small office buildings, industrial, healthcare, lodging, recreation, or retail facilities. Commercial real estate loans are provided on owner-occupied properties and on investor-owned properties. The portfolio includes commercial 1-4 family and multifamily properties. Loans may generally be made with amortizations of up to 30 years and with interest rates that adjust periodically (primarily from short-term to five years). Most commercial real estate loans are originated with final maturities of 10 years or less. As part of its business activities, the Bank also enters into commercial loan participations.

Commercial real estate loans are among the largest of the Bank’s loans, and may have higher credit risk and lending spreads. Because repayment is often dependent on the successful operation or management of the properties, repayment of commercial real estate loans may be affected by adverse conditions in the real estate market or the economy. The Bank seeks to manage these risks through its underwriting disciplines and portfolio management processes. The Bank generally requires that borrowers have debt service coverage ratios (the ratio of available cash flows before debt service to debt service) of at least 1.25 times based on stabilized cash flows of leases in place, with some exceptions for national credit tenants. For variable rate loans, the Bank underwrites debt service coverage to interest rate shocks of 300 basis points or higher based on a minimum of 1.0 times coverage and it uses loan maturities to manage risk based on the lease base and interest sensitivity. Loans at origination may be made up to 80% of appraised value based on property type and risk, with sublimits of 75% or less for designated specialty property types. Generally, commercial real estate loans are supported by full or partial personal guarantees by the principals. Credit enhancements in the form of additional collateral or guarantees are normally considered for start-up businesses without a qualifying cash flow history.

The Bank offers interest rate swaps to certain larger commercial mortgage borrowers. These swaps allow the Bank to originate a mortgage based on short-term published interest rates and allow the borrower to swap into a longer-term fixed rate. The Bank simultaneously sells an offsetting back-to-back swap to an investment grade national bank so that it does not retain this fixed-rate risk. The Bank also records fee income on these interest rate swaps based on the terms of the offsetting swaps with the bank counterparties.

The Bank originates construction loans to developers and commercial borrowers in and around its markets. The maximum loan to value limits for construction loans follow Federal Deposit Insurance Corporation ("FDIC") supervisory limits, up to a maximum of 85 percent. The Bank commits to provide the permanent mortgage
6

Table of Contents
financing on most of its construction loans on income-producing property. Advances on construction loans are made in accordance with a schedule reflecting the cost of the improvements. Construction loans include land acquisition loans up to a maximum 50 percent loan to value on raw land. Construction loans may have greater credit risk due to the dependence on completion of construction and other real estate improvements, as well as the sale or rental of the improved property. The Bank generally mitigates these risks with presale or preleasing requirements and phasing of construction.
 
Commercial and Industrial Loans ("C&I"). C&I loans are mostly managed through the Bank’s commercial middle market banking organization. The Bank offers secured commercial term loans with repayment terms which are normally limited to the expected useful life of the asset being financed, and generally not exceeding ten years. The Bank also offers revolving loans, lines of credit, letters of credit, time notes and SBA guaranteed loans. Business lines of credit have adjustable rates of interest and can be committed or are payable on demand, subject to annual review and renewal. Commercial and industrial loans are generally secured by a variety of collateral such as accounts receivable, inventory and equipment, and are generally supported by personal guarantees. Loan-to-value ratios depend on the collateral type and generally do not exceed 80 percent of orderly liquidation value. Some commercial loans may also be secured by liens on real estate. The Bank generally does not make unsecured commercial loans. Commercial loans are of higher risk and are made primarily on the basis of the borrower’s ability to make repayment from the cash flows of its business. Further, any collateral securing such loans may depreciate over time, may be difficult to monitor and appraise and may fluctuate in value. The Bank gives additional consideration to the borrower’s credit history and the guarantor’s capacity to help mitigate these risks. Additionally, the Bank uses loan structures including shorter terms, amortizations, and advance rate limitations to additionally mitigate credit risk. The Company considers these loans, together with its owner-occupied commercial real estate loans, as constituting the primary relationship based component of its commercial lending activities. The loans originated through the Company’s participation in the SBA’s Paycheck Protection Program (“PPP”) lending program in 2020 were classified as C&I loans. This program was an integral component of federal support programs in response to the emergence of the pandemic in the first half of 2020. These loans were viewed as zero credit risk due to the related SBA guarantee. Most of these loans were repaid via SBA forgiveness in 2021. The balance of these PPP loans was $30 million at year-end 2021, compared to $633 million at year-end 2020.

Asset Based Lending. The Asset Based Lending Group serves the commercial middle market in New England, as well as the Bank’s market in northeastern New York and in the Mid-Atlantic. The group expands the Bank’s business lending offerings to include revolving lines of credit and term loans secured by accounts receivable, inventory, and other assets to manufacturers, distributors and select service companies experiencing seasonal working capital needs, rapid sales growth, a turnaround, buyout or recapitalization with credit needs generally ranging from $2 to $25 million. Asset based lending involves monitoring loan collateral so that outstanding balances are always properly secured by business assets, which reduces the risks associated with these loans.

Small Business Banking. This group is also referred to as Business Banking, and handles most business relationships which are smaller than the middle market category. Additionally, some smaller business needs are handled through the Bank’s retail branch system. Berkshire Bank also owns 44 Business Capital, a dedicated SBA 7A program lending team based in the Philadelphia area. This team originates loans in the Northeast, Mid-Atlantic and nationally. 44 Business Capital also works with business banking and small business teams to provide SBA guaranteed loans to business Banking Customers in Berkshire’s footprint. This team sells the guaranteed portions of these loans with servicing retained and the Bank retains the unguaranteed portions of the loans in its C&I loan portfolio. The Bank is a preferred SBA lender and closely manages the servicing portfolio pursuant to SBA requirements. This team is the Bank’s largest source of commercial lending fee revenue, and it is targeting to further expand these operations. Berkshire Bank also owns Firestone Financial Corp. ("Firestone"), which is located in Needham, MA. Firestone originates loans secured by business-essential equipment through over 160 equipment distributors and manufacturers and directly via the end borrower in all 50 states. Key customer segments include the fitness, carnival, gaming, and entertainment industries.

Residential Mortgages. Through its mortgage banking operations, the Bank offers fixed-rate and adjustable-rate residential mortgage loans to individuals with maturities of up to 30 years that are fully amortizing with monthly loan payments. The majority of loans are originated for sale with rate lock commitments which are recorded as
7

Table of Contents
derivative financial instruments. Mortgages are generally underwritten according to U.S. government sponsored enterprise guidelines designated as “A” or “A-” and referred to as “conforming loans”. The Bank also originates jumbo loans above conforming loan amounts which generally are consistent with secondary market guidelines for these loans and are often held in portfolio. The Bank does not offer subprime mortgage lending programs. The Bank buys and sells seasoned mortgages primarily with smaller financial institutions operating in its markets. The Bank is developing conduit relationships in its markets as an additional business channel for newly originated mortgages.

The majority of the Bank’s secondary marketing is to U.S. secondary market investors on a servicing-released basis. The Bank also sells directly to government sponsored enterprises with servicing retained. Mortgage sales generally involve customary representations and warranties and are nonrecourse in the event of borrower default. The Bank is also an approved originator of loans for sale to the Federal Housing Administration (“FHA”), U.S. Department of Veteran Affairs (“VA”), state housing agency programs, and other government sponsored mortgage programs.

The Bank does not offer interest-only or negative amortization mortgage loans. Adjustable rate mortgage loan interest rates may rise as interest rates rise, thereby increasing the potential for default. The Bank also originates construction loans which generally provide 15-month construction periods followed by a permanent mortgage loan, and follow the Bank’s normal mortgage underwriting guidelines. Mortgage banking also requires flexible and scalable operations due to the volatility of mortgage demand over time. Investor management is integral to maintaining the secondary market support that is required for these operations. In 2021, the Bank entered into a third party relationship to service the residential mortgages and real estate secured consumer loans in its portfolio.

Consumer Loans. The Bank’s consumer loans are centrally underwritten and processed by its experienced consumer lending team based in Syracuse, New York. The Bank’s primary consumer lending activity in recent years was indirect auto lending. In 2019, the Company decided to end the origination of indirect auto loans. The Bank’s other major consumer lending activity is prime home equity lending, following its conforming mortgage underwriting guidelines with more streamlined verifications and documentation. Most of these outstanding loans are prime based home equity lines with a maximum combined loan-to-value of 85 percent. Home equity line credit risks include the risk that higher interest rates will affect repayment and possible compression of collateral coverage on second lien home equity lines. In 2021, the Company expanded its consumer lending in its markets through a third party relationship with a financial technology company which originates unsecured consumer loans through the internet using artificial intelligence technology in combination with the Bank’s underwriting criteria.

Maturity and Sensitivity of Loan Portfolio. The following table shows contractual final maturities of loans at year-end 2021. The contractual maturities do not reflect premiums, discounts, deferred costs, or prepayments.
 
Item 1 - Table 2A - Loan Contractual Maturity - Scheduled loan amortizations are not included in the maturities presented.
Contractual MaturityOne YearOne toFive to More Than 
(In thousands)or LessFive YearsFifteen YearsFifteen YearsTotal
Loans:
Construction$80,052 $142,114 $87,478 $14,638 $324,282 
Commercial multifamily39,899 177,740 293,666 4,512 515,817 
Commercial real estate owner occupied45,827 173,858 316,684 70,108 606,477 
Commercial real estate non-owner occupied280,160 1,049,631 748,396 78,742 2,156,929 
Commercial and industrial303,706 683,365 274,324 23,034 1,284,429 
Residential real estate3,430 33,530 233,909 1,218,379 1,489,248 
Home equity1,388 4,195 65,897 180,886 252,366 
Consumer other9,396 133,138 44,001 9,764 196,299 
Total$763,858 $2,397,571 $2,064,355 $1,600,063 $6,825,847 
 

8

Table of Contents
Item 1 - Table 2B - Total loans due after one year as of December 31, 2021 - fixed and variable interest rates
(In thousands)Fixed Interest Rate Variable Interest RateTotal
Loans:
Construction$28,215 $216,015 $244,230 
Commercial multifamily115,278 360,640 475,918 
Commercial real estate owner occupied199,055 361,595 560,650 
Commercial real estate non-owner occupied581,824 1,294,945 1,876,769 
Commercial and industrial356,189 624,534 980,723 
Residential real estate1,148,983 336,835 1,485,818 
Home equity2,045 248,933 250,978 
Consumer other180,932 5,971 186,903 
Total$2,612,521 $3,449,468 $6,061,989 

Loan Administration. Lending activities are governed by a loan policy approved by the Board’s Risk Management and Capital Committee. Internal staff perform and monitor post-closing loan documentation review, quality control, and commercial loan administration. The lending staff assigns a risk rating to all commercial loans, excluding point scored small business loans. Management primarily relies on internal risk management staff to review the risk ratings of the majority of commercial loan balances.

The Bank’s lending activities follow written, non-discriminatory underwriting standards and loan origination procedures established by the Risk Management and Capital Committee and Management, under the leadership of the Chief Risk Officer. The Bank’s loan underwriting is based on a review of certain factors including risk ratings, recourse, loan-to-value ratios, and material policy exceptions. The Risk Management and Capital Committee has established individual and combined loan limits and lending approval authorities. Management’s Executive Loan Committee is responsible for commercial loan approvals in accordance with these standards and procedures. Generally, pass rated secured commercial loans can be approved jointly up to $7 million by the business line Managing Director and Credit Director. Loans up to $10 million can be approved with the additional signature of the Chief Credit Officer. Loans in excess of this amount, and designated lower rated loans are approved by the Executive Loan Committee. The Bank tracks loan underwriting exceptions and exception reports are actively monitored by executive lending management.

The Bank’s lending activities are conducted by its salaried and commissioned loan personnel. Designated salaried branch staff originate conforming residential mortgages and receive bonuses based on overall performance. Additionally, the Bank employs commissioned residential mortgage originators. Commercial lenders receive salaries and are eligible for bonuses based on individual and overall performance. The Bank purchases whole loans and participations in loans from banks headquartered in its market and from outside of its market. These loans are underwritten according to the Bank’s underwriting criteria and procedures and are generally serviced by the originating lender under terms of the applicable agreement. The Bank routinely sells newly originated, fixed-rate residential mortgages in the secondary market. Customer rate locks are offered without charge and rate locked applications are generally committed for forward sale or hedged with derivative financial instruments to minimize interest rate risk pending delivery of the loans to the investors. The Bank also sells interest rate derivatives to larger commercial borrowers desiring to fix their interest rates, and includes these derivatives in its underwriting and administrative procedures.

The Bank also sells residential mortgages and commercial loan participations on a non-recourse basis. The Bank issues loan commitments to its prospective borrowers conditioned on the occurrence of certain events. Loan origination commitments are made in writing on specified terms and conditions and are generally honored for up to 60 days from approval; some commercial commitments are made for longer terms. The Company also monitors pipelines of loan applications and has processes for issuing letters of interest for commercial loans and pre-approvals for residential mortgages, all of which are generally conditional on completion of underwriting prior to the issuance of formal commitments.
9

Table of Contents

The loan policy sets certain limits on concentrations of credit and requires periodic reporting of concentrations to the Risk Management and Capital Committee. The Bank has heightened monitoring of its 25 largest borrower relationships. Commercial real estate is generally managed within federal regulatory monitoring guidelines of 300% of risk based capital for non-owner occupied commercial real estate and 100% for construction loans. The Bank has hold limits for numerous categories of commercial specialty lending including healthcare, hospitality, designated franchises, and leasing, as well as hold limits for designated commercial loan participations purchased. In most cases, these limits are below 100% of risk based capital for all outstanding loans in each monitored category.

Problem Assets. The Bank prefers to work with borrowers to resolve problems rather than proceeding to foreclosure. For commercial loans, this may result in a period of forbearance or restructuring of the loan, which is normally done at current market terms and does not result in a “troubled” loan designation. For residential mortgage loans, the Bank generally follows FDIC guidelines to attempt a restructuring that will enable owner-occupants to remain in their home. However, if these processes fail to result in a performing loan, then the Bank generally will initiate foreclosure or other proceedings no later than the 90th day of a delinquency, as necessary, to minimize any potential loss. Management reports delinquent loans and non-performing assets to the Board quarterly. Loans are generally removed from accruing status when they reach 90 days delinquent, except for certain loans which are well secured and in the process of collection. Loan collections are managed by a combination of the related business units and the Bank’s special assets group, which focuses on larger, riskier collections and the recovery of purchased credit deteriorated loans.

Real estate obtained by the Bank as a result of loan collections, including foreclosures, is classified as real estate owned until sold. When property is acquired it is recorded at fair market value less estimated selling costs at the date of foreclosure, establishing a new cost basis. Holding costs and decreases in fair value after acquisition are expensed. Interest income on accruing troubled debt restructurings totaled $0.2 million for 2021. The total carrying value of troubled debt restructurings was $26.8 million at year-end.

Asset Classification and Delinquencies. The Bank performs an internal analysis of its commercial loan portfolio and assets to classify such loans and assets in a manner similar to that employed by federal banking regulators. There are four classifications for loans with higher than normal risk: Loss, Doubtful, Substandard, and Special Mention. Usually an asset classified as Loss is fully charged-off. Substandard assets have one or more defined weaknesses and are characterized by the distinct possibility that the insured institution will sustain some loss if the deficiencies are not corrected. Doubtful assets have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values questionable, and there is a high possibility of loss. Assets that do not currently expose the insured institution to sufficient risk to warrant classification in one of the aforementioned categories, but possess weaknesses, are designated Special Mention. Please see the additional discussion of non-accruing and potential problem loans in Item 7 and additional information in notes to the financial statements. Impaired loans acquired in business combinations are normally rated Substandard or lower and the fair value assigned to such loans at acquisition includes a component for the possibility of loss if deficiencies are not corrected.

Allowance for Credit Losses on Loans. The Bank’s loan portfolio is regularly reviewed by management to evaluate the adequacy of the allowance for loan losses. Prior to 2020, the allowance represented management’s estimate of inherent incurred losses that are probable and estimable as of the date of the financial statements. The allowance included a specific component for impaired loans (a “specific loan loss reserve”) and a general component for portfolios of all outstanding loans (a “general loan loss reserve”). At the time of acquisition, no allowance for loan losses was assigned to loans acquired in business combinations. These loans were initially recorded at fair value, including the impact of expected losses, as of the acquisition date. An allowance on such loans was established subsequent to the acquisition date through the provision for loan losses based on an analysis of factors including environmental factors.

On January 1, 2020, the Company adopted the new loan loss allowance standard based on Current Expected Credit losses (“CECL”). Under this standard, management makes estimates of future economic conditions over the life of the loan portfolio and other future conditions and arrives at a reasonable estimate of expected loan losses. The basis
10

Table of Contents
of the allowance changed from an incurred model to an expected model based on this standard. As a result, the amount of the loan loss allowance and the loan loss provision beginning in 2020 is not comparable to prior years. Also, since different banks may use different estimates and arrive at different expectations, comparisons between banks are more difficult. Further, since the accounting is based on future projections our estimates may change significantly from period to period, the amounts of the allowance and provision may be more volatile than under the previous model. Further information about the allowance is discussed further in Note 1 - Summary of Significant Accounting Policies of the Consolidated Financial Statements.

Management believes that it uses the best information available to establish the allowance. However, future adjustments to the allowance for credit losses on loans may be necessary, and results of operations could be adversely affected if circumstances differ substantially from the assumptions used in making its determinations. There can be no assurance that the existing allowance for loan losses is adequate or that increases will not be necessary should the quality of any loan or loan portfolio category deteriorate. Regulatory agencies may require the Bank to make additional provisions for credit losses based upon judgments different from those of management. Any material increase in the allowance may adversely affect the Bank’s financial condition and results of operations.


Item 1 - Table 3 - Credit Quality Ratios
202120202019
Ratios:   
Allowance for credit losses/total loans1.55 %1.58 %0.67 %
Non-accrual loans/total loans0.52 0.80 0.42 
Allowance for credit losses/non-accruing loans300.33 196.01 160.38 
Net charge-offs/average loans0.29 0.41 0.35 

Item 1 - Table 3.a - Net charge-offs to average loans for each loan category
202120202019
Net charge-offs to average loans:
Construction— %0.01 %— %
Commercial multifamily— — 0.01 
Commercial real estate owner occupied0.02 0.08 0.05 
Commercial real estate non-owner occupied0.18 0.12 — 
Commercial and industrial0.09 0.16 0.24 
Residential real estate— 0.01 0.01 
Home equity— — 0.01 
Consumer other0.01 0.02 0.03 


11

Table of Contents
The following tables present year-end data for the approximate allocation of the allowance for loan losses by loan categories at the dates indicated (including an apportionment of any unallocated amount). The first table shows for each category the amount of the allowance allocated to that category as a percentage of the outstanding loans in that category. The second table shows the allocated allowance together with the percentage of loans in each category to total loans. Management believes that the allowance can be allocated by category only on an approximate basis. The allocation of the allowance to each category is not indicative of future losses and does not restrict the use of any of the allowance to absorb losses in any category. Due to the impact of accounting standards for acquired loans, data in the accompanying tables may not be comparable between accounting periods.

Item 1 - Table 4A - Allocation of Allowance for Credit Losses by Category (as of year-end) 
 202120202019
(Dollars in thousands)Amount
Allocated
Percent  Allocated to Total Loans in Each CategoryAmount
Allocated
Percent  Allocated to Total Loans in Each CategoryAmount
Allocated
Percent  Allocated to Total Loans in Each Category
Construction$3,206 1.0 %$5,111 1.1 %$2,713 0.6 %
Commercial multifamily6,120 1.2 5,916 1.2 4,413 0.7 
Commercial real estate owner occupied12,752 2.1 12,380 2.2 4,880 0.7 
Commercial real estate non-owner occupied32,106 1.5 35,850 1.7 16,344 0.8 
Commercial and industrial22,584 1.8 25,013 1.3 20,099 1.1 
Residential real estate22,734 1.5 28,491 1.5 9,970 0.4 
Home equity4,006 1.6 6,482 2.2 1,470 0.4 
Consumer other2,586 1.3 8,059 2.7 3,686 0.8 
Total (1)
$106,094 1.6 %$127,302 1.6 %$63,575 0.7 %
(1)    Beginning January 1, 2020, the allowance calculation is based on current expected loss methodology. Prior to January 1, 2020, the allowance calculation was based on the incurred loss model.

Item 1 - Table 4B - Allocation of Allowance for Credit Losses (as of year-end)
 202120202019
(Dollars in thousands)Amount
Allocated
Percent 
of
Loans in
Each
Category to Total
Loans
Amount
Allocated
Percent 
of
Loans in
Each
Category to Total
Loans
Amount
Allocated
Percent 
of
Loans in
Each
Category to Total
Loans
Construction$3,206 4.8 %$5,111 5.6 %$2,713 4.7 %
Commercial multifamily6,120 7.5 5,916 6.0 4,413 6.7 
Commercial real estate owner occupied12,752 8.9 12,380 6.8 4,880 7.1 
Commercial real estate non-owner occupied32,106 31.6 35,850 26.2 16,344 23.0 
Commercial and industrial22,584 18.8 25,013 24.0 20,099 19.4 
Residential real estate22,734 21.8 28,491 23.9 9,970 30.0 
Home equity4,006 3.7 6,482 3.7 1,470 4.0 
Consumer other2,586 2.9 8,059 3.8 3,686 5.1 
Total (1)
$106,094 100.0 %$127,302 100.0 %$63,575 100.0 %
(1)    Beginning January 1, 2020, the allowance calculation is based on current expected loss methodology. Prior to January 1, 2020, the allowance calculation was based on the incurred loss model.
12

Table of Contents
INVESTMENT SECURITIES ACTIVITIES
The securities portfolio provides cash flow to protect the safety of customer deposits and as a potential source of liquidity. The portfolio is also used to manage interest rate risk and to earn a reasonable return on investment. Decisions are made in accordance with the Company’s investment policy and include consideration of risk, return, duration, and portfolio concentrations. Day-to-day oversight of the portfolio rests with the Chief Financial Officer and the Treasurer. The Enterprise Risk Management/Asset-Liability Committee meets multiple times each quarter and reviews investment strategies. The Risk Management and Capital Committee of the Board of Directors provides general oversight of the investment function.

Historically, the Company has maintained short-term investment balances as a component of cash and cash equivalents which are a component of short-term liquidity management. Due to the pandemic, with a surge in demand deposits and a reduction in loan balances, the balance of short-term investments has increased due to the comparatively low yields and spreads on longer duration investment securities. Most short-term investments have been maintained at the Federal Reserve Bank of Boston.

The Company has historically maintained a high-quality portfolio of managed duration mortgage-backed securities, together with a portfolio of municipal bonds including national and local issuers and local economic development bonds issued to non-profit organizations. Nearly all of the mortgage-backed securities are issued by Ginnie Mae, Fannie Mae, or Freddie Mac, consisting principally of collateralized mortgage obligations (generally consisting of planned amortization class bonds and pass-through securities). The municipal portfolio provides tax-advantaged yield, and the local economic development bonds were originated by the Company to area borrowers. The Company invests in investment grade corporate bonds and Agency commercial mortgage-backed securities. Purchases of non-investment grade fixed-income securities have consisted primarily of capital instruments issued by local and regional financial institutions. The Company also invests in funds financing community reinvestment projects. The Bank owns restricted equity in the Federal Home Loan Bank of Boston (“FHLBB”) based on its operating relationship with the FHLBB. The Company has various hold limits limiting credit and instrument exposures.
The Company owns an interest rate swap against a tax advantaged economic development bond issued to a local not-for-profit organization, and as a result this security is carried as a trading account security. The Company generally designates debt securities as available for sale, but sometimes designates longer-duration municipal and other securities as held to maturity based on its intent. This also allows the Company to more effectively manage the potential impact of longer-duration, fixed-rate securities on stockholders' equity in the event of rising interest rates.

The following table summarizes year-end 2021 amortized cost, weighted average yields, and contractual maturities of debt securities. Yields are shown on a fully taxable equivalent basis and are based on amortized cost. A significant portion of the mortgage-based securities are planned amortization class bonds. Their expected durations are 3-5 years at current interest rates, but the contractual maturities shown reflect the underlying maturities of the collateral mortgages. Additionally, the mortgage-based securities maturities shown below are based on final maturities and do not include scheduled amortization. Yields include amortization and accretion of premiums and discounts. There were no material changes in the tax-exempt portfolio.

Item 1 - Table 5 - Weighted Average Yield
 One Year or LessMore than One
Year to Five Years
More than Five Years
to Ten Years
More than Ten YearsTotal
(In millions)Amortized
Cost
Weighted
Average
Yield
Amortized
Cost
Weighted
Average
Yield
Amortized
Cost
Weighted
Average
Yield
Amortized
Cost
Weighted
Average
Yield
Amortized
Cost
Weighted
Average
Yield
Municipal bonds and obligations$2.1 3.0 %$5.5 5.0 %$36.5 5.0 %$309.2 4.0 %$353.3 4.0 %
Mortgage-backed securities0.1 2.0 %31.8 2.0 %255.4 2.0 %1,752.8 1.0 %2,040.1 2.0 %
Other bonds and obligations61.0 — %1.7 2.0 %40.1 4.0 %22.3 3.0 %125.1 2.0 %
Total$63.2 0.3 %$39.0 2.7 %$332.0 2.4 %$2,084.3 1.9 %$2,518.5 1.9 %


DEPOSIT ACTIVITIES AND OTHER SOURCES OF FUNDS
Deposits are the major source of funds for the Bank’s lending and investment activities. Deposit accounts are the primary product and service interaction with the Bank’s customers. The Bank serves personal, commercial, non-profit, and municipal deposit customers. Most of the Bank’s deposits are generated from the areas surrounding its branch offices. The Bank offers a wide variety of deposit accounts with a range of interest rates and terms. The Bank also periodically offers promotional interest rates and terms for limited periods of time. The Bank’s deposit accounts consist of demand deposits (non-interest-bearing checking), NOW (interest-bearing checking), regular savings, money market savings, and time certificates of deposit. The Bank emphasizes its transaction deposits checking and NOW accounts for personal accounts and checking accounts promoted to businesses. These accounts have the lowest marginal cost to the Bank and are also often a core account for a customer relationship. The Bank offers a courtesy overdraft program to improve customer service, and also provides debit cards and other electronic fee producing payment services to transaction account customers. The Bank offers targeted online and mobile deposit account opening capabilities for personal accounts. The Bank promotes remote deposit capture devices so that commercial accounts can make deposits from their place of business. Additionally, the Bank offers a variety of retirement deposit accounts to personal and business customers. Deposit related fees are a significant source of fee income to the Bank, including overdraft and interchange fees related to debit card usage. Deposit service fee income also includes other miscellaneous transactions and convenience services sold to customers through the branch system as part of an overall service relationship. The Bank offers compensating balance arrangements for larger business customers as an alternative to fees charged for checking account services. Berkshire’s Business Connection is a personal financial services benefit package designed for the employees of its business customers. In addition to providing service through its branches, Berkshire provides services to deposit customers through its private bankers, MyBankers, commercial/small business relationship managers, and call center representatives. Commercial cash management services are an important commercial service offered to commercial and governmental depositors and a fee income source to the bank. The Bank also operates a commercial payment processing business that serves regional and national payroll service bureau customers. Online banking and mobile banking functionality is increasingly important as a component of deposit account access and service delivery. The Bank is also gradually deploying its MyTeller video tellers to complement and extend its service capabilities in its branches. The Bank has partnered with a third party fintech company to provide enhanced online deposit account opening services. The Company also is monitoring the development of payment services which are growing in their importance in the personal and commercial deposit markets.
13

Table of Contents

The following table presents information concerning average balances and weighted average interest rates on the Bank’s interest-bearing deposit accounts for the years indicated.

Item 1 - Table 6 - Average Balance and Weighted Average Rates for Deposits
 202120202019
(In millions)Average
Balance
Percent
of Total
Average
Deposits
Weighted
Average
Rate
Average
Balance
Percent
of Total
Average
Deposits
Weighted
Average
Rate
Average
Balance
Percent
of Total
Average
Deposits
Weighted
Average
Rate
Demand$3,008.5 30 %— %$2,324.6 23 %— %$1,745.2 18 %— %
NOW and other976.4 10 0.1 1,216.6 12 0.3 1,053.9 11 0.6 
Money market3,293.5 32 0.2 2,713.6 26 0.6 2,542.6 26 1.2 
Savings1,111.6 11 0.1 914.1 0.1 798.2 0.2 
Time1,678.9 17 0.9 3,102.9 30 1.7 3,754.2 37 2.0 
Total$10,068.9 100 %0.3 %$10,271.8 100 %0.7 %$9,894.1 100 %1.2 %

Estimated uninsured deposits were $3.7 billion and $4.1 billion at December 31, 2021 and 2020, respectively. At year-end 2021, time deposits in excess of the FDIC insurance limit and estimated time deposits that are otherwise uninsured by maturity were as follows:
 
Item 1 - Table 7 - Maturity of Deposits >$250,000
Maturity PeriodTime Deposits that
Meet or Exceed the
FDIC Insurance
Limit
Estimated Aggregate
Time Deposits that
Meet or Exceed the
FDIC Insurance
Limit and Otherwise
Uninsured Time
Deposits
(In thousands) 
Three months or less$114,373 $180,053 
Over 3 months through 6 months102,789 153,912 
Over 6 months through 12 months77,235 123,310 
Over 12 months97,390 177,493 
Total$391,787 $634,768