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Westfield Bank
Westfield, MA · FDIC Certificate #90300 · Chartered 04/1
Total assets
$2.73B
Total deposits
$2.40B
Total equity
$253.50M
Net loans
$2.17B
Branches (offices)
27
Net income (YTD)
$10.05M
Rank: #470 of 4,213 U.S. banks by assets · #19 of 89 in Massachusetts. Assets changed 0.7% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.73% |
| Return on equity | 7.94% |
| Net interest margin (YTD) | 3.03% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 9.37% |
| Uninsured deposits (share of deposits) | 30.1% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 90.5% |
| Real estate loans (share of loans) | 89.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.95B | 89.6% | |
| Commercial & industrial | $218.23M | 10.0% | |
| Consumer / individual | $2.21M | 0.1% | |
| Construction & development | $93.39M | 4.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.57B | $2.30B | $12.31M | $220.60M |
| Jun 2023 | $2.56B | $2.16B | $9.59M | $240.04M |
| Jun 2024 | $2.58B | $2.18B | $7.57M | $241.87M |
| Jun 2025 | $2.71B | $2.33B | $8.29M | $244.46M |
| Jun 2026 | $2.73B | $2.40B | $10.05M | $253.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $2.07B | 23 |
| Connecticut | $336.80M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.40B.
Similar-sized banks
Cornerstone Bank ($2.73B) · Home Federal Bank Of Tennessee ($2.73B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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