Westfield Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 179.17 percentage points in Q2 2026, from 441.04% to 261.87%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Westfield Bank is 47th of 89 on return on assets, 0.65% as of Q2 2026. Westfield Bank reported 0.65% on return on assets for Q2 2026, 0.62 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.47% |
| Tier 1 risk-based capital ratio | 12.47% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 9.37% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 8.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.33% |
| Texas ratio | 2.90% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 261.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.65% |
| Return on equity | 7.10% |
| Net interest margin | 3.03% |
| Efficiency ratio | 67.49% |
| Yield on earning assets | 4.73% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.30% |
| Core deposits to total deposits | 88.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.08% |
| Securities to assets | 12.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 12.54% | 13.56% | 9.69% | 0.79% |
| Q4 2023 | 12.88% | 12.88% | 13.94% | 9.62% | 0.46% |
| Q1 2024 | 12.92% | 12.92% | 13.96% | 9.77% | 0.55% |
| Q2 2024 | 12.96% | 12.96% | 13.98% | 9.78% | 0.62% |
| Q3 2024 | 12.66% | 12.66% | 13.71% | 9.61% | 0.38% |
| Q4 2024 | 12.64% | 12.64% | 13.65% | 9.34% | 0.58% |
| Q1 2025 | 12.55% | 12.55% | 13.56% | 9.26% | 0.44% |
| Q2 2025 | 12.67% | 12.67% | 13.69% | 9.29% | 0.78% |
| Q3 2025 | 12.52% | 12.52% | 13.58% | 9.30% | 0.56% |
| Q4 2025 | 12.46% | 12.46% | 13.48% | 9.32% | 0.84% |
| Q1 2026 | 12.44% | 12.44% | 13.46% | 9.36% | 0.80% |
| Q2 2026 | 12.47% | 12.47% | 13.47% | 9.37% | 0.65% |
Westfield Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Westfield Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)