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Westfield Bank, FSB

Westfield Center, OH · Cert 57077

FDIC · 7 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=300). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

23

Q2 2024Q3 2025peer median (50)

Asset Quality

54

Q2 2024Q3 2025peer median (50)

Profitability

41

Q2 2024Q3 2025peer median (50)

Liquidity

95

Q2 2024Q3 2025peer median

Efficiency

50

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Westfield Bank, FSB

Westfield Center, OH · Cert 57077

FDIC · 7 branches

Q3 2025

$2.1BAssets
$1.6BLoans
$1.8BDeposits
$215.0MEquity
Loan mix
58%RE $887.7M36%C&I $559.6M6%Consumer $96.0MQ3 2024Q3 2025
Deposit mix
77%Interest-bearing $1.4B23%Noninterest $0.4BQ3 2024Q3 2025

NIM

4.24%Q3 ’234.75%Q3 ’244.92%Q3 ’25-4%+19%

Non-interest income vs. expense

1.97%Q3 ’232.05%Q3 ’242.17%Q3 ’25-8%+22%

Market Position · Cleveland, OH · 2025 SOD (annual) · 0.8% share · #12 of 37 inst. · $1.0B of $128.3B

14.9% Medina
2.6% Summit
0.2% Cuyahoga
1.7% Stark

Executive Summary

  • Earnings: ROA of 1.00%, up 19 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.24% of loans (+4 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.17%, down 135 bps from a year ago.
  • Funding: loans stand at 86.55% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.00%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+48 bps YoY

Efficiency Ratio (YTD, annualized)

62.68%-207 bps YoY

Tier 1 Leverage Ratio

10.17%-135 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.81%0.89%0.83%0.86%1.00%+19 bps
Return on Equity7.47%8.10%7.28%7.32%8.83%+136 bps
Net Interest Margin2.55%2.58%2.83%2.96%3.03%+48 bps
Efficiency Ratio64.75%64.10%65.16%65.40%62.68%-207 bps
Non-Interest Burden1.41%1.39%1.64%1.76%1.71%+30 bps
Growth
Asset Growth (YoY)0.73%-1.38%0.59%3.78%1.13%+39 bps
Loan Growth (YoY)-2.26%-1.98%-1.07%2.45%3.39%+565 bps
Deposit Growth (YoY)3.07%-0.11%-0.64%3.29%2.44%-63 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.10%0.10%0.24%0.24%+4 bps
Net Charge-Offs / Loans0.19%0.14%0.12%0.03%0.03%-16 bps
Allowance / Loans1.19%1.19%1.19%1.22%1.22%+3 bps
Allowance Coverage of NPLs6.1x11.7x11.4x5.1x5.1x-1.0x
Capital
Tier 1 Leverage Ratio11.53%11.79%11.81%12.28%10.17%-135 bps
Total Risk-Based Capital11.53%11.79%11.81%12.28%10.17%-135 bps
Equity / Assets11.53%11.42%11.49%12.19%10.42%-111 bps
Liquidity & Funding
Loans / Deposits85.75%88.20%82.82%89.41%86.55%+79 bps
Liquid Assets / Assets3.63%4.46%6.18%1.59%1.66%-196 bps
CRE / Total Capitaln/an/an/an/a206%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Westfield Bank, FSB

Westfield Center, OH · Cert 57077 · Peer group: banks $1B-$10B in assets operating in a single state (n=300)

FDIC · 7 branches

Q3 2025

$2.1BAssets
$1.6BLoans
$1.8BDeposits
$215.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 68% of banks $1B-$10B in assets operating in a single state (rank 97 of 300).
  • Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets operating in a single state (rank 282 of 300).
  • Overall: at or above the peer median on 4 of 10 directional measures.

Return on Assets

1.01%

Rank 163 of 300

Net Interest Margin

3.03%

Rank 193 of 300

Efficiency Ratio

62.68%

Rank 150 of 300

Equity / Assets

10.42%

Rank 139 of 300

Non-interest income vs. expense

$9.6M$45.6MINCOMEEXPENSE
Unfavorable gap of $35.9M · efficiency ratio beats 50% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.77%1.06%1.38%Beats 46%163 / 300
Return on Equity9.70%7.55%10.62%13.50%Beats 42%175 / 300
Net Interest Margin3.03%2.87%3.23%3.70%Beats 36%193 / 300
Efficiency Ratio62.68%53.29%62.72%70.47%Beats 50%150 / 300
Asset Quality
Nonperforming Loans / Loans0.24%0.17%0.39%0.80%Beats 68%97 / 300
Net Charge-Offs / Loans0.06%0.01%0.04%0.12%Beats 39%185 / 300
Capital
Tier 1 Capital Ratio10.17%11.71%13.33%14.99%Beats 8%275 / 300
Total Risk-Based Capital Ratio10.17%12.39%14.25%16.08%Beats 6%282 / 300
Equity / Assets10.42%8.96%10.02%11.69%Beats 54%139 / 300
Liquidity & Funding
Loans / Deposits86.55%73.76%85.63%95.78%52nd pctl144 / 300
Loans / Assets76.75%64.08%72.41%78.88%67th pctl98 / 300
Brokered Deposits / Deposits0.55%n/a1.56%7.51%Beats 56%132 / 300