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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 , 2020 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from 60 State Street Delaware ( State or other jurisdiction of incorporation or organization ) * Berkshire Hills Bancorp Commission File Number : 001-15781 BERKSHIRE HILLS BANCORP , INC . ( Exact name of registrant as specified in its charter ) Boston ( Address of principal executive offices ) Massachusetts to Title of each class Common stock , par value $ 0.01 per share Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) BHLB 04-3510455 Registrant's telephone number , including area code : ( 617 ) 641-9206 , ( I.R.S. Employer Identification No. ) 02109 ( Zip Code ) Name of Exchange on which registered 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 ompany , or an emerging growth company . See the definition of " large accelerated filer , " " accelerated filer " , " smaller reporting