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
Unfavorable gap of $48.5M · efficiency ratio beats 23% of banks $1B-$10B in assets | 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 |