Westfield Bank
Founded in 1853, Westfield Bank is among the oldest continuously operating FDIC-insured banks, headquartered in Westfield, MA, during the antebellum free-banking period. As of Q1 2026, the bank held approximately $2.8B in total assets and $2.4B in deposits. Returns are in line with industry norms at 0.80% ROA and 8.78% ROE; net interest margin is 2.93%. Capital cushions are healthy: 12.44% CET1, 9.36% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.21%. Westfield operates a 27-branch network.
Headquarters Profile
- Address
- 141 Elm St, WESTFIELD, MA 01085
- County
- Hampden
- Metro Area
- SPRINGFIELD, MA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 2
- Established
- April 15, 1853
- Branches
- 27 domestic
- Employees (FTE)
- 311
- FDIC Cert
- 90300
- Fed RSSD
- 892205
- Website
- www.westfieldbank.com →
- Parent Holding Company
- WESTERN NEW ENGLAND BANCORP, INC. (RSSD 3866382)
Capital & Liquidity
Inside the full Westfield Bank terminal
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Westfield Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
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Frequently asked about Westfield Bank
What are Westfield Bank's total assets?
As of the Q1 2026 filing, Westfield Bank reported total assets of $2.76 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Westfield Bank headquartered?
Westfield Bank is headquartered in WESTFIELD, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Westfield Bank founded?
Westfield Bank was established in 1853, per the FDIC institution directory.
Is Westfield Bank FDIC-insured?
Yes. Westfield Bank is an FDIC-insured commercial bank (FDIC Certificate #90300). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Westfield Bank?
Westfield Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Westfield Bank's CET1 capital ratio?
Westfield Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.44% in its most recent quarterly filing — above regulatory minimums.
How many branches does Westfield Bank operate?
Westfield Bank operates 27 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Westfield Bank's Texas Ratio?
Westfield Bank's Texas Ratio is 1.78% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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