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Westfield Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90300

Designations: ✓ Community bank

Westfield, MA

27 branches across MA · CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +3.1% year over year ($2.4B on the books).
  • Delinquency rate 0.35%.
  • Return on assets 0.73%.
  • Efficiency ratio 67.76% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.46% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Westfield Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 15.8% in tier
  • - Credit Risk Growth: Bottom 18.7% in tier
  • - Credit Quality Pressure: Bottom 23.6% in tier
  • - Flatlined Growth: Bottom 24.1% in tier
  • - ROA 0.66% below tier average
  • - Net Interest Margin 0.84% below tier average
  • - Efficiency Ratio 8.03% above tier average
Get updates when Westfield Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.7B
+0.7% YoY -1.2% QoQ
-$65.3M $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $2.2B
+4.9% YoY -0.3% QoQ
+$210.4M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $2.4B
+3.1% YoY +0.8% QoQ
+$84.0M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 0.73%
+18.9% YoY -9.3% QoQ
-0.66% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 3.03%
+12.4% YoY +1.8% QoQ
-0.84% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 67.76%
-8.6% YoY -0.2% QoQ
+8.03% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.35%
+28.8% YoY +66.8% QoQ
-0.51% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 90.46%
+1.8% YoY -1.1% QoQ
+5.43% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 25.05%
-2.1% YoY -0.4% QoQ
+3.78% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 0.28%
+34.1% YoY +68.3% QoQ
-0.39% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 12.47%
-1.6% YoY +0.2% QoQ
-2.37% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.25%
+9.7% YoY +99.5% QoQ
-0.28% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 25.1%
-0.5pp YoY
-0.1pp QoQ
 +3.7pp 21.4% 16.2% 22.2% 71%
Brokered Deposits n/a n/a 9.5% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 10.0%
-0.3pp YoY
+0.3pp QoQ
 -4.0pp 14.0% 6.5% 12.5% 45%
CRE 47.9%
-0.7pp YoY
-1.3pp QoQ
 -2.1pp 50.0% 40.3% 41.4% 44%
1-4 Family 41.7%
+1.5pp YoY
+1.0pp QoQ
 +15.2pp 26.4% 52.4% 31.3% 84%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.6pp 4.7% 1.6% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 12.5%
-0.2pp YoY
0.0pp QoQ
 -3.1pp 15.6% 16.6% 19.7% 32%
Leverage Ratio 9.4%
+0.1pp YoY
0.0pp QoQ
 -1.9pp 11.3% 11.5% 12.6% 20%
Total Capital Ratio 13.5%
-0.2pp YoY
0.0pp QoQ
 -3.2pp 16.7% 17.5% 20.8% 30%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 337
+13 (+4.0%) YoY
+26 (+8.4%) QoQ
 +23 313 755 482 71%
Assets per Employee ($) $8.1M
-3.2% YoY
-8.8% QoQ
 -$2.4M $10.5M $10.7M $8.8M 41%
Branch Count 27
0 YoY
0 QoQ
 +7 20 13 18 78%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
+0.1pp QoQ
 -0.5pp 0.8% 0.8% 1.0% 36%
Allowance Coverage 2.62x
-24.3% YoY
-40.6% QoQ
 -16.09x 18.71x 7.95x 20.23x 59%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 7.9%
+1.1pp YoY
-0.8pp QoQ
 -4.7pp 12.6% 5.6% 11.6% 19%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.9% 2.0% 1.7% 40%
Net Income ($, YTD) $10.1M
+21.2% YoY
— QoQ
 -$9.2M $19.2M $31.7M $40.4M 40%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Strain

risk
#58 of 361 • Bottom 15.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.46%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#76 of 402 • Bottom 18.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#117 of 492 • Bottom 23.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.35%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Flatlined Growth

risk
#40 of 162 • Bottom 24.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.73%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

751
Return on Assets
profitability
Value: 0.73%
Peer Median: 1.39%
#751 of 885 Bottom 15.3% in $1B-$10B
746
Net Interest Margin
profitability
Value: 3.03%
Peer Median: 3.87%
#746 of 885 Bottom 15.8% in $1B-$10B
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