Bank Comparison
Heartland Bank vs Westfield Bank, FSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 14
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Heartland Bank | Westfield Bank, FSB |
|---|---|---|
| CET1 Ratio | 12.78% | — |
| Tier 1 Capital Ratio | 12.78% | — |
| Total Capital Ratio | 14.03% | — |
| Tier 1 Leverage Ratio | 9.95% | 10.17% |
| Equity / Assets | 9.54% | 10.42% |
Profitability
| Metric | Heartland Bank | Westfield Bank, FSB |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 1.28% |
| Return on Equity (ROE) | 12.98% | 11.57% |
| Net Interest Margin (NIM) | 3.28% | 3.40% |
| Yield on Earning Assets | 5.81% | 5.38% |
| Cost of Funds | 2.74% | 2.19% |
Asset quality
| Metric | Heartland Bank | Westfield Bank, FSB |
|---|---|---|
| Texas Ratio | 4.34% | 2.23% |
| Non-Performing Loan Ratio | 0.31% | 0.30% |
| Non-Performing Asset Ratio | 0.25% | 0.23% |
| Net Charge-Off Ratio | 0.02% | 0.03% |
| ACL / Loans | 1.15% | 1.22% |
Balance sheet
| Metric | Heartland Bank | Westfield Bank, FSB |
|---|---|---|
| Total Assets | $1,968M | $2,062M |
| Total Deposits | $1,764M | $1,828M |
| Total Loans | $1,559M | $1,582M |
| Total Equity | $187,771K | $214,993K |
| Net Income (quarter) | $6,111K | $6,742K |
Liquidity & funding
| Metric | Heartland Bank | Westfield Bank, FSB |
|---|---|---|
| Loan-to-Deposit Ratio | 88.40% | 86.55% |
| Core Deposit Ratio | 94.19% | 92.77% |
| Uninsured Deposit Ratio | 35.84% | 49.43% |
Identity
| Metric | Heartland Bank | Westfield Bank, FSB |
|---|---|---|
| Headquarters City | Whitehall | Westfield Center |
| Headquarters State | OH | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 716697 |
| Regulator | FED | OCC |
| Domestic Branches | 23 | 7 |
| Employees (FTE) | 264 | 180 |
| Established | Jan. 1, 1911, midnight | Feb. 5, 2001, 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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