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Westfield Bank
Westfield, MA·FDIC Cert #90300·Charter: OCC·Est. 18530415.0·HC: WESTERN NEW ENGLAND BCORP INC
Total Assets
$2.7B
Q4 2025
Return on Assets
0.66%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.73%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.66%+0.06
ROE
7.30%+0.68
Efficiency
71.73%-1.16
Equity/Assets
0.00%+0.00
NPL Ratio
0.24%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.55%+1.79
Charge-offs
-0.02%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.5 | 0.5 | 0.4 | 0.6 | 0.6 | 0.7 |
| ROE | 5.9 | 6.3 | 5.5 | 5.8 | 5.0 | 6.8 | 6.6 | 7.3 |
| Efficiency | 77.8 | 76.4 | 76.4 | 76.5 | 78.4 | 74.2 | 72.9 | 71.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 |
| Charge-offs | -0.0 | -0.0 | 0.0 | -0.0 | 0.0 | -0.1 | -0.0 | -0.0 |
| Loan/Deposit | 93.4 | 92.3 | 91.2 | 90.5 | 88.4 | 88.9 | 89.8 | 91.5 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.4B
Total Loans$2.2B
Total Equity$252.6M
Profitability
ROA0.66%
ROE7.30%
Efficiency Ratio71.73%
Net Income$18.0M
Risk & Asset Quality
NPL Ratio0.24%
Charge-off Rate-0.02%
Loan/Deposit91.55%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans