The group's principal activity is to provide residential and commercial mortgage loans, commercial non-mortgage loans and other banking services. The group acting as a holding company for the berkshire bank accepts deposits from general public and invests them in loans and debt obligations issued by the United States government and mortgaged backed securities. Loans consist of residential and commercial mortgage loans and commercial non-mortgage loans, both unsecured and secured by personal property. The group operates through nine deposit taking offices in New York city, orange and sullivan counties, New York. The group's main office at manhattan provides personal, face to face banking services for professionals and other high balance depositors.