Berkshire Hills Bancorp (Berkshire) is a holding company for the Berkshire Bank (the Bank) and Berkshire Insurance Group (BIG). The Bank has 75 full-service banking offices serving communities throughout Western Massachusetts, Northeastern New York and in Southern Vermont. The Bank operates in four regions: Berkshire County Region, New York Region, Springfield Region and Vermont Region. It offers a range of deposit, lending, insurance, and wealth management products to retail, commercial, not-for-profit, and municipal customers in its market areas. It operates in two segments: Banking and Insurance. Banking includes the activities of the Bank and its subsidiaries, which provide commercial and retail banking services. Insurance includes the activities of Berkshire Insurance Group, which provides commercial and consumer insurance services. On April 20, 2012, it acquired CBT - The Connecticut Bank and Trust Company. On October 19, 2012, the Company acquired Beacon Federal Bancorp, Inc.