Westfield Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Westfield Bank of Westfield, MA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.65% | 1.34% | -0.69% | 12th bottom |
| ROAE | 7.10% | 12.34% | -5.24% | 15th bottom |
| Net Interest Margin | 3.03% | 3.83% | -0.80% | 15th bottom |
| Efficiency Ratio | 67.49% | 58.97% | +8.52% | 24th bottom |
| PPNR / Avg Assets | 1.07% | — | — | 16th bottom |
| Yield on Earning Assets | 4.73% | 5.71% | -0.98% | 12th bottom |
| Cost of Funds | 1.81% | 2.02% | -0.21% | 61st above |
| Net Interest Spread | 2.34% | — | — | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 0.87% | -0.52% | 64th above |
| NPA / Total Assets | 0.28% | — | — | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.33% | 0.43% | -0.10% | 12th bottom |
| ACL / Total Loans | 0.92% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 261.87% | — | — | 59th above |
| Texas Ratio | 2.90% | 5.48% | -2.58% | 58th above |
| Provision / NCO | 87.03% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.47% | 14.99% | -2.52% | 32nd below |
| Tier 1 Ratio | 12.47% | 15.02% | -2.55% | 31st below |
| Total Capital Ratio | 13.47% | — | — | 30th below |
| Leverage Ratio | 9.37% | 11.11% | -1.74% | 20th bottom |
| Equity / Assets | 9.29% | 11.02% | -1.73% | 28th below |
| TCE / Tangible Assets | 8.85% | — | — | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.30% | 86.99% | +4.31% | 40th below |
| Core Deposit Ratio | 88.69% | 85.57% | +3.12% | 52nd above |
| Uninsured Deposit Ratio | 30.10% | 33.19% | -3.09% | 53rd above |
| Wholesale Funding Ratio | 1.57% | — | — | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.70% | — | — | 18th bottom |
| Loan Growth (Y/Y) | 4.84% | — | — | 44th below |
| Deposit Growth (Y/Y) | 3.05% | — | — | 36th below |
See Westfield Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Westfield Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Westfield Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Westfield Bank peer analysis.