# WESTFIELD BANK FSB
WESTFIELD CENTER, OH · FDIC certificate 57077 · asset band $1-10B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.06B | |
| Deposits | $1.83B | |
| Loans and leases | $1.58B | |
| Total equity | $215.0M | |
| Loans / deposits | 85.50% (p48 of band) | 86.09% |
| Liquid assets / assets | 17.41% (p33 of band) | |
| Uninsured deposits / deposits | 49.43% (p91 of band) | 30.69% |
| Brokered deposits | 0.49% | |
| Wholesale funding | 0.59% (p18 of band) | |
| FHLB advances / assets | 0.10% | |
| Tier 1 leverage | 10.17% (p44 of band) | 10.36% |
| Unrealized securities loss / equity | -8.83% (p49 of band) | -8.45% |
| AOCI / equity | 4.56% (p74 of band) | |
| ROA (annualized) | 1.00% (p41 of band) | 1.10% |
| Net interest margin | 3.30% (p36 of band) | 3.55% |
| Efficiency ratio | 62.68% (p56 of band) | |
| Noncurrent loans | 0.24% (p28 of band) | 0.48% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 508.24% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 26.73% (p25 of band) | |
| Auto loans | $50.9M (3.21% of loans; DQ 2.17%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 180 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | wholesale funding >15% |  |
| 2016-12 | 1 | capital falling | wholesale funding >15% |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 2 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2018-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | reserve under noncurrent | loans exceed deposits |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | assets shrinking |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-03 [First Financial Bancorp. Announces the Completion of its Acquisition of Westfield Bancorp, Inc., and Westfield Bank, FSB - PR Newswire](https://news.google.com/rss/articles/CBMigAJBVV95cUxQdGRCOTdyWW1TOU5tWEtYR0RJLS13T1ZOeHpUUDhYQllWOVVQanR5VlhXeE04OTB2M25hZHRMeFItXzRhUko2NktYS01lcFRRc1QtUzFYdlB2VTNvV2FYWTVoaWNUcnZ3LXAxanBnbTI3bkVvNE4tSmRZbDMyUzRfRlhZczBaOGJXdHdiTXRTdFVDUXBxTXNtU0ZlX1ZCTWQyV3NUeXo4bktVS2lOUHZUUVprak1Lc0htVDl0dzBaSnJBRDk2b1hjOFJuVWczRWx2N0hUWFRCNEViaXRIZllwY1FDUHlUMUo2UndpcEZfY0dsN2o3RWwzRDdrNjc0cE1R?oc=5) · PR Newswire
- 2025-11-03 [First Financial completes $325 million Westfield Bank acquisition - Crain's Cleveland](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMlVpWGcwRG5DRUI1c3JjR0E1X3YtRUZ2TjhYQ25QYmpoZHB0eGdYeWhZZWc0c2ZseDdkVFVrSHZqTlNsMC1TRnY0a3U3eXRJZllfcDU0M2NIUTJHYjY1YzVmRkFsOG1FMU50V014TFRrdWRnNEs5bF9PVFVxclpjTXQ2RkUzenVvczZvMUdJWWcyOW5VRHhETE81VWFLalZiQ3JPOGRHME05bGhNUWxnOA?oc=5) · Crain's Cleveland
- 2025-06-24 [First Financial acquires Westfield Bancorp - The Republic News](https://news.google.com/rss/articles/CBMiigFBVV95cUxPc2FWVzVHVW1tUWlNd08zb2RVcGpnaHdsWHdEaHk3c09GeGVzc0lVQjA2dHQyZnNEWVdlZWx2VkxSN1RRaVdtTm1iaEc5TkRtbW1FU0NnSHRIWFJLalNvdUtVNnVHcWZjMjQ1Tzg5MlJuSzlQMmFTaVVDVVBmVFVtejBzMVhCOVM2Mmc?oc=5) · The Republic News
- 2025-06-23 [First Financial Bancorp and Westfield Jointly Announce First Financial's Acquisition of Westfield Bancorp - PR Newswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOYUx1dS1NY3lYZElySlcwd2llQUE2YW5USlowN3JuM2U4Wmstc0NYWnBtM3JyWVQzTGdQZ0ZXMlVucFA4THlpQnVKMVFkSU1sMmtjWk5uVWZDODRaRm9WTnBoc0VhNjd4SEw2cTU2dHV1RXpNSlZaeW9yZXdfenFZdlhRY2VMaEFrTTU4UlVoSDVIYXBfYWVBcTZBWTY2UUhrWE5kNno5ZFMwdWZEcW5EUVpIVVNPci13dXF1QTBFcm1sNUlRdzhaT0JBcVMtNE1vd0VTcjVycGtRa2ZfS1YtbnE3TEtYZktzeUtIRWhyOERZdw?oc=5) · PR Newswire
- 2025-03-24 [2025 Plan Sponsor of the Year Winners - plansponsor](https://news.google.com/rss/articles/CBMiV0FVX3lxTFBLNnItNmxtVXd4dTNaMjZ6eXdDZFl0X3c2REFHQ3lwZkQxSnlueEdYZllaeGc4X1VDTWJ6X0JKcmYteldTZ0tNXzg5cmdZMnRhWE9XWWJ2UQ?oc=5) · plansponsor
- 2025-04-24 [First Financial Bancorp (FFBC) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE83UzRhVmpwR0Zfb0s3WEE3UFdsM0NSdGNmUGJaUnZsQ2F2VEJadG56bHdlSFhpVmdETFVEMnNGdjY3TGRKeE4xMTNaX2hadkhQMlZz?oc=5) · Stock Titan
- 2025-06-04 [2025 PLANSPONSOR of the Year Award Winners Named - plansponsor](https://news.google.com/rss/articles/CBMigwFBVV95cUxNVnRuTEc0c1laeWZrNHg1Z2xtTG83MC0yd2t2SFdVb2RrN2xJTHA0UFJXV25sQTdkY1lfXzlZWFppNVNwcExMOG0yYVhsaExnM2QtaGRWb2lpT0xXX0thdUhxTjlRNEJHbndKWnVYeHVGZTNCNkdkV3JsaUtScGVXUWticw?oc=5) · plansponsor

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57077 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "57077", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide