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Westfield Bank

Westfield, MA · Cert 90300 · Western New England Bcorp Inc.

State savings bank · OCC · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 (n=322 to 328). 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer 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

Westfield, MA · Cert 90300 · Western New England Bcorp Inc.

State savings bank · OCC · 27 branches

Q2 2026

$2.7BAssets
$2.2BLoans
$2.4BDeposits
$253.5MEquity
Loan mix
90%RE $2.0B10%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $1.8B25%Noninterest $0.6BQ2 2025Q2 2026

NIM

4.13%Q2 ’244.28%Q2 ’254.43%Q2 ’26+6%+13%

Non-interest income vs. expense

2.19%Q2 ’242.19%Q2 ’252.25%Q2 ’26+3%+1%

Market Position · Springfield, MA · 2026 SOD (annual) · 13.9% share · #3 of 18 inst. · $2.0B of $14.1B

13.9% Hampden
0.6% Capitol
1.6% Hampshire

Executive Summary

  • Earnings: ROA of 0.73%, up 12 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.35% of loans (+8 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 9.37%, up 8 bps from a year ago.
  • Funding: loans stand at 91.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+33 bps YoY

Efficiency Ratio (YTD, annualized)

67.76%-641 bps YoY

Tier 1 Leverage Ratio

9.37%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.60%0.66%0.81%0.73%+12 bps
Return on Equity6.83%6.62%7.30%8.78%7.94%+111 bps
Net Interest Margin2.50%2.55%2.59%2.77%2.82%+33 bps
Efficiency Ratio74.16%72.89%71.73%67.90%67.76%-641 bps
Non-Interest Burden1.74%1.74%1.73%1.73%1.76%+2 bps
Growth
Asset Growth (YoY)4.86%3.55%3.14%1.99%0.70%-416 bps
Loan Growth (YoY)3.28%4.02%5.48%5.84%4.84%+156 bps
Deposit Growth (YoY)7.19%5.64%4.33%2.30%3.05%-414 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.26%0.23%0.21%0.35%+8 bps
Net Charge-Offs / Loans-0.05%-0.03%-0.02%0.01%0.17%+22 bps
Allowance / Loans0.94%0.96%0.93%0.93%0.92%-2 bps
Allowance Coverage of NPLs3.5x3.7x4.0x4.4x2.6x-0.8x
Capital
Tier 1 Leverage Ratio9.29%9.30%9.32%9.36%9.37%+8 bps
Total Risk-Based Capital13.69%13.58%13.48%13.46%13.47%-22 bps
Equity / Assets9.02%9.10%9.24%9.18%9.29%+27 bps
Liquidity & Funding
Loans / Deposits89.75%90.63%92.41%92.34%91.30%+155 bps
Liquid Assets / Assets9.40%8.90%7.55%7.79%6.99%-240 bps
CRE / Total Capitaln/a413%417%417%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

Westfield, MA · Cert 90300 · Peer group: banks $1B-$10B in assets (n=322-328) · Western New England Bcorp Inc.

State savings bank · OCC · 27 branches

Q2 2026

$2.7BAssets
$2.2BLoans
$2.4BDeposits
$253.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 65% of banks $1B-$10B in assets (rank 115 of 322).
  • Widest gap: net interest margin trails 85% of banks $1B-$10B in assets (rank 279 of 328).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.74%

Rank 273 of 328

Net Interest Margin

2.82%

Rank 279 of 328

Efficiency Ratio

68.17%

Rank 253 of 328

Equity / Assets

9.29%

Rank 234 of 328

Non-interest income vs. expense

$13.6M$62.1MINCOMEEXPENSE
Unfavorable gap of $48.5M · efficiency ratio beats 23% of banks $1B-$10B in assets
Bank 68.17%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.91%1.22%1.52%Beats 17%273 / 328
Return on Equity7.93%8.43%11.45%14.43%Beats 20%263 / 328
Net Interest Margin2.82%3.03%3.45%3.83%Beats 15%279 / 328
Efficiency Ratio68.17%51.61%59.56%67.53%Beats 23%253 / 328
Asset Quality
Nonperforming Loans / Loans0.35%0.24%0.51%1.03%Beats 65%115 / 322
Net Charge-Offs / Loans0.09%0.01%0.03%0.10%Beats 29%231 / 322
Capital
Tier 1 Capital Ratio12.47%11.75%13.15%15.47%Beats 39%201 / 328
Total Risk-Based Capital Ratio13.47%12.63%14.15%16.46%Beats 41%193 / 328
Equity / Assets9.29%9.15%10.33%12.01%Beats 29%234 / 328
Liquidity & Funding
Loans / Deposits91.30%76.63%87.92%95.36%62nd pctl123 / 323
Loans / Assets80.42%65.18%74.15%79.98%77th pctl76 / 328
Brokered Deposits / Depositsn/aNot reported for this institution