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
Unfavorable gap of $35.9M · efficiency ratio beats 50% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.77% | 1.06% | 1.38% | Beats 46% | 163 / 300 | |
| Return on Equity | 9.70% | 7.55% | 10.62% | 13.50% | Beats 42% | 175 / 300 | |
| Net Interest Margin | 3.03% | 2.87% | 3.23% | 3.70% | Beats 36% | 193 / 300 | |
| Efficiency Ratio | 62.68% | 53.29% | 62.72% | 70.47% | Beats 50% | 150 / 300 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.17% | 0.39% | 0.80% | Beats 68% | 97 / 300 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.12% | Beats 39% | 185 / 300 | |
| Capital |
| Tier 1 Capital Ratio | 10.17% | 11.71% | 13.33% | 14.99% | Beats 8% | 275 / 300 | |
| Total Risk-Based Capital Ratio | 10.17% | 12.39% | 14.25% | 16.08% | Beats 6% | 282 / 300 | |
| Equity / Assets | 10.42% | 8.96% | 10.02% | 11.69% | Beats 54% | 139 / 300 | |
| Liquidity & Funding |
| Loans / Deposits | 86.55% | 73.76% | 85.63% | 95.78% | 52nd pctl | 144 / 300 | |
| Loans / Assets | 76.75% | 64.08% | 72.41% | 78.88% | 67th pctl | 98 / 300 | |
| Brokered Deposits / Deposits | 0.55% | n/a | 1.56% | 7.51% | Beats 56% | 132 / 300 | |