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 | |