Westfield Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 9.29%. Within Massachusetts, Westfield Bank is 45th of 59 on CET1 ratio, 12.47% as of Q2 2026. Westfield Bank reported 12.47% on CET1 ratio for Q2 2026, 1.02 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.47% |
| Tier 1 risk-based capital ratio | 12.47% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 9.37% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $257.4M |
| Tier 1 capital | $257.4M |
| Total risk-based capital | $278.1M |
| Total equity capital | $253.5M |
| Risk-weighted assets | $2.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.19% |
| Internal capital growth rate | -0.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $245.3M |
| Retained earnings | $24.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 12.54% | 13.56% | 9.69% | $1.99B |
| Q4 2023 | 12.88% | 12.88% | 13.94% | 9.62% | $1.95B |
| Q1 2024 | 12.92% | 12.92% | 13.96% | 9.77% | $1.95B |
| Q2 2024 | 12.96% | 12.96% | 13.98% | 9.78% | $1.94B |
| Q3 2024 | 12.66% | 12.66% | 13.71% | 9.61% | $1.98B |
| Q4 2024 | 12.64% | 12.64% | 13.65% | 9.34% | $1.98B |
| Q1 2025 | 12.55% | 12.55% | 13.56% | 9.26% | $1.99B |
| Q2 2025 | 12.67% | 12.67% | 13.69% | 9.29% | $1.98B |
| Q3 2025 | 12.52% | 12.52% | 13.58% | 9.30% | $2.02B |
| Q4 2025 | 12.46% | 12.46% | 13.48% | 9.32% | $2.06B |
| Q1 2026 | 12.44% | 12.44% | 13.46% | 9.36% | $2.07B |
| Q2 2026 | 12.47% | 12.47% | 13.47% | 9.37% | $2.06B |
Westfield Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Westfield Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Westfield Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90300) · FFIEC NIC profile (RSSD 892205)