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=311 to 317). 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
48
Profitability
16
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=311-317) · Western New England Bcorp Inc.
State savings bank · OCC · 27 branches
Q2 2026
Return on Assets
0.74%
Rank 267 of 317
Net Interest Margin
2.82%
Rank 273 of 317
Efficiency Ratio
68.17%
Rank 244 of 317
Equity / Assets
9.29%
Rank 223 of 317
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.93% | 1.22% | 1.51% | Beats 16% | 267 / 317 | ||
| Return on Equity | 7.93% | 8.63% | 11.43% | 14.48% | Beats 19% | 256 / 317 | ||
| Net Interest Margin | 2.82% | 3.06% | 3.45% | 3.83% | Beats 14% | 273 / 317 | ||
| Efficiency Ratio | 68.17% | 51.90% | 59.69% | 67.53% | Beats 23% | 244 / 317 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.24% | 0.51% | 1.14% | Beats 66% | 108 / 311 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.12% | Beats 30% | 219 / 311 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.47% | 11.75% | 13.15% | 15.30% | Beats 38% | 197 / 317 | ||
| Total Risk-Based Capital Ratio | 13.47% | 12.63% | 14.21% | 16.26% | Beats 40% | 190 / 317 | ||
| Equity / Assets | 9.29% | 9.06% | 10.32% | 11.95% | Beats 30% | 223 / 317 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.30% | 76.63% | 88.04% | 95.67% | 62nd pctl | 119 / 312 | ||
| Loans / Assets | 80.42% | 65.41% | 74.05% | 79.71% | 78th pctl | 71 / 317 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||