WESTFIELD BANK

WESTFIELD, MA | Large | Est. April 15, 1853, midnight | FDIC #90300 | RSSD #892205 | OCC
Latest Report: 2025-12-31

WESTFIELD BANK is aln large FDIC-insured commercial bank headquartered in WESTFIELD, MA, established in April 15, 1853, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.4B. Profitability stands at 0.85% ROA and 9.30% ROE, with a net interest margin of 3.04%. The bank's CET1 capital ratio is 12.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.87%. FDIC Certificate #90300.

Assets

$2.7B

Deposits

$2.4B

Loans

$2.2B

Equity

$253M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 9.30%
Net Interest Margin (NIM) 3.04%
Yield on Assets 4.86%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio -0.02%
Texas Ratio 1.87%
NPA Ratio 0.19%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 12.46%
Tier 1 Capital 12.46%
Total Capital Ratio 13.48%
Leverage Ratio 9.32%
Loan-to-Deposit 92.41%

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