Berkshire Hills Bancorp is the holding company for Berkshire Bank, which serves individuals and small businesses through some 90 branches in Massachusetts, New York, Connecticut, and Vermont. Established in 1846, the bank provides standard deposit products such as savings, checking, and money market accounts, CDs, and IRAs, in addition to credit cards, investments, private banking, wealth management, and lending services. Real estate mortgages make up nearly three-quarters of Berkshire Hills Bancorp's loan portfolio, which also includes business and consumer loans. In addition to its banking activities, the company also owns insurance agency Berkshire Insurance Group.