Westfield Bank
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
$2.7BAssets
$2.2BLoans
$2.4BDeposits
$253.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks $1B-$10B in assets (rank 108 of 311).
- Widest gap: net interest margin trails 86% of banks $1B-$10B in assets (rank 273 of 317).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
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% | 0.93% | 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 |