BlastPoint's Banking Scorecard
Westfield Bank
Designations: ✓ Community bank
Westfield, MA
27 branches across MA · CT
Westfield Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.1% in tier
- - Flatlined Growth: Bottom 40.7% in tier
- - ROA 0.56% below tier average
- - Net Interest Margin 0.84% below tier average
- - Efficiency Ratio 6.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+2.0% YoY
+1.0% QoQ
|
-$54.3M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$2.2B
+5.9% YoY
+0.8% QoQ
|
+$215.7M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$2.4B
+2.3% YoY
+0.9% QoQ
|
+$40.3M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
0.81%
+80.9% YoY
+21.9% QoQ
|
-0.56% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.98%
+17.4% YoY
+5.4% QoQ
|
-0.84% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
67.90%
-13.4% YoY
-5.3% QoQ
|
+6.84% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.21%
-26.4% YoY
-9.8% QoQ
|
-0.68% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
91.48%
+3.5% YoY
-0.1% QoQ
|
+7.28% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
25.15%
-0.9% YoY
-0.4% QoQ
|
+3.86% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.17%
-23.6% YoY
-9.9% QoQ
|
-0.51% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.44%
-0.8% YoY
-0.1% QoQ
|
-2.72% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.12%
+22.2% YoY
-72.7% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.