Westfield, MA · Cert 90300 · Western New England Bcorp Inc.
State savings bank · OCC · 27 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
36
Asset Quality
47
Profitability
17
Liquidity
75
Efficiency
23
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.
Westfield, MA · Cert 90300 · Western New England Bcorp Inc.
State savings bank · OCC · 27 branches
Q2 2026
Market Position · Springfield, MA · 2026 SOD (annual) · 13.9% share · #3 of 18 inst. · $2.0B of $14.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.54% | 0.45% | 0.62% | 0.60% | 0.66% | 0.81% | 0.73% | +12 bps | |
| Return on Equity | 5.53% | 5.75% | 4.95% | 6.83% | 6.62% | 7.30% | 8.78% | 7.94% | +111 bps | |
| Net Interest Margin | 2.32% | 2.27% | 2.34% | 2.50% | 2.55% | 2.59% | 2.77% | 2.82% | +33 bps | |
| Efficiency Ratio | 76.43% | 76.48% | 78.45% | 74.16% | 72.89% | 71.73% | 67.90% | 67.76% | -641 bps | |
| Non-Interest Burden | 1.66% | 1.63% | 1.75% | 1.74% | 1.74% | 1.73% | 1.73% | 1.76% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | 3.48% | 5.96% | 4.86% | 3.55% | 3.14% | 1.99% | 0.70% | -416 bps | |
| Loan Growth (YoY) | 1.70% | 2.11% | 2.67% | 3.28% | 4.02% | 5.48% | 5.84% | 4.84% | +156 bps | |
| Deposit Growth (YoY) | 2.14% | 5.47% | 8.50% | 7.19% | 5.64% | 4.33% | 2.30% | 3.05% | -414 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.29% | 0.27% | 0.26% | 0.23% | 0.21% | 0.35% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | -0.05% | -0.03% | -0.02% | 0.01% | 0.17% | +22 bps | |
| Allowance / Loans | 0.97% | 0.94% | 0.95% | 0.94% | 0.96% | 0.93% | 0.93% | 0.92% | -2 bps | |
| Allowance Coverage of NPLs | 4.1x | 3.7x | 3.3x | 3.5x | 3.7x | 4.0x | 4.4x | 2.6x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.61% | 9.34% | 9.26% | 9.29% | 9.30% | 9.32% | 9.36% | 9.37% | +8 bps | |
| Total Risk-Based Capital | 13.71% | 13.65% | 13.56% | 13.69% | 13.58% | 13.48% | 13.46% | 13.47% | -22 bps | |
| Equity / Assets | 9.32% | 9.09% | 8.97% | 9.02% | 9.10% | 9.24% | 9.18% | 9.29% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.05% | 91.40% | 89.25% | 89.75% | 90.63% | 92.41% | 92.34% | 91.30% | +155 bps | |
| Liquid Assets / Assets | 9.28% | 9.17% | 10.34% | 9.40% | 8.90% | 7.55% | 7.79% | 6.99% | -240 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 413% | 417% | 417% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.91% | 1.22% | 1.52% | Beats 17% | 273 / 328 | ||
| Return on Equity | 7.93% | 8.43% | 11.45% | 14.43% | Beats 20% | 263 / 328 | ||
| Net Interest Margin | 2.82% | 3.03% | 3.45% | 3.83% | Beats 15% | 279 / 328 | ||
| Efficiency Ratio | 68.17% | 51.61% | 59.56% | 67.53% | Beats 23% | 253 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.24% | 0.51% | 1.03% | Beats 65% | 115 / 322 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.03% | 0.10% | Beats 29% | 231 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.47% | 11.75% | 13.15% | 15.47% | Beats 39% | 201 / 328 | ||
| Total Risk-Based Capital Ratio | 13.47% | 12.63% | 14.15% | 16.46% | Beats 41% | 193 / 328 | ||
| Equity / Assets | 9.29% | 9.15% | 10.33% | 12.01% | Beats 29% | 234 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.30% | 76.63% | 87.92% | 95.36% | 62nd pctl | 123 / 323 | ||
| Loans / Assets | 80.42% | 65.18% | 74.15% | 79.98% | 77th pctl | 76 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||