Bank Comparison
Baycoast Bank vs Westfield Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Baycoast Bank | Westfield Bank |
|---|---|---|
| CET1 Ratio | 10.69% | 12.44% |
| Tier 1 Capital Ratio | 10.69% | 12.44% |
| Total Capital Ratio | 11.94% | 13.46% |
| Tier 1 Leverage Ratio | 8.22% | 9.36% |
| Equity / Assets | 8.95% | 9.18% |
Profitability
| Metric | Baycoast Bank | Westfield Bank |
|---|---|---|
| Return on Assets (ROA) | 0.36% | 0.80% |
| Return on Equity (ROE) | 3.96% | 8.78% |
| Net Interest Margin (NIM) | 3.26% | 2.93% |
| Yield on Earning Assets | 5.16% | 4.65% |
| Cost of Funds | 1.98% | 1.82% |
Asset quality
| Metric | Baycoast Bank | Westfield Bank |
|---|---|---|
| Texas Ratio | 14.77% | 1.78% |
| Non-Performing Loan Ratio | 1.67% | 0.21% |
| Non-Performing Asset Ratio | 1.32% | 0.17% |
| Net Charge-Off Ratio | 0.19% | 0.01% |
| ACL / Loans | 1.18% | 0.93% |
Balance sheet
| Metric | Baycoast Bank | Westfield Bank |
|---|---|---|
| Total Assets | $2,885M | $2,761M |
| Total Deposits | $2,481M | $2,383M |
| Total Loans | $2,274M | $2,200M |
| Total Equity | $258,226K | $253,406K |
| Net Income (quarter) | $2,557K | $5,554K |
Liquidity & funding
| Metric | Baycoast Bank | Westfield Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.66% | 92.34% |
| Core Deposit Ratio | 92.05% | 89.52% |
| Uninsured Deposit Ratio | 33.37% | 29.64% |
Identity
| Metric | Baycoast Bank | Westfield Bank |
|---|---|---|
| Headquarters City | SWANSEA | WESTFIELD |
| Headquarters State | MA | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 717968 |
| Regulator | FDIC | OCC |
| Domestic Branches | 25 | 27 |
| Employees (FTE) | 533 | 311 |
| Established | Nov. 15, 1851, midnight | April 15, 1853, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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