Bank Comparison
Chemung Canal Trust Company vs Westfield Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Chemung Canal Trust Company | Westfield Bank |
|---|---|---|
| CET1 Ratio | 13.83% | 12.44% |
| Tier 1 Capital Ratio | 13.83% | 12.44% |
| Total Capital Ratio | 14.97% | 13.46% |
| Tier 1 Leverage Ratio | 11.26% | 9.36% |
| Equity / Assets | 10.79% | 9.18% |
Profitability
| Metric | Chemung Canal Trust Company | Westfield Bank |
|---|---|---|
| Return on Assets (ROA) | 1.41% | 0.80% |
| Return on Equity (ROE) | 13.45% | 8.78% |
| Net Interest Margin (NIM) | 3.68% | 2.93% |
| Yield on Earning Assets | 5.05% | 4.65% |
| Cost of Funds | 1.53% | 1.82% |
Asset quality
| Metric | Chemung Canal Trust Company | Westfield Bank |
|---|---|---|
| Texas Ratio | 4.70% | 1.78% |
| Non-Performing Loan Ratio | 0.53% | 0.21% |
| Non-Performing Asset Ratio | 0.51% | 0.17% |
| Net Charge-Off Ratio | -0.02% | 0.01% |
| ACL / Loans | 1.08% | 0.93% |
Balance sheet
| Metric | Chemung Canal Trust Company | Westfield Bank |
|---|---|---|
| Total Assets | $2,748M | $2,761M |
| Total Deposits | $2,322M | $2,383M |
| Total Loans | $2,314M | $2,200M |
| Total Equity | $296,423K | $253,406K |
| Net Income (quarter) | $9,815K | $5,554K |
Liquidity & funding
| Metric | Chemung Canal Trust Company | Westfield Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.65% | 92.34% |
| Core Deposit Ratio | 95.36% | 89.52% |
| Uninsured Deposit Ratio | 30.34% | 29.64% |
Identity
| Metric | Chemung Canal Trust Company | Westfield Bank |
|---|---|---|
| Headquarters City | ELMIRA | WESTFIELD |
| Headquarters State | NY | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 717968 |
| Regulator | FED | OCC |
| Domestic Branches | 30 | 27 |
| Employees (FTE) | 331 | 311 |
| Established | Oct. 22, 1833, 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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