# WESTFIELD BANK
WESTFIELD, MA · FDIC certificate 90300 · asset band $1-10B · latest filing 2026-06 · live

**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 | $2.73B | |
| Deposits | $2.40B | |
| Loans and leases | $2.19B | |
| Total equity | $253.5M | |
| Loans / deposits | 90.46% (p61 of band) | 87.10% |
| Liquid assets / assets | 14.29% (p19 of band) | |
| Uninsured deposits / deposits | 30.10% (p48 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.57% (p26 of band) | |
| FHLB advances / assets | 1.41% | |
| Tier 1 leverage | 9.37% (p21 of band) | 10.50% |
| Unrealized securities loss / equity | -21.32% (p18 of band) | -7.75% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 0.73% (p16 of band) | 1.26% |
| Net interest margin | 3.03% (p16 of band) | 3.70% |
| Efficiency ratio | 67.76% (p75 of band) | |
| Noncurrent loans | 0.35% (p36 of band) | 0.51% |
| Net charge-offs (annualized) | 0.13% (p79 of band) | |
| Reserve coverage of noncurrent | 261.87% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 36.84% (p38 of band) | |
| Auto loans | $1.3M (0.06% of loans; DQ 1.24%, NCO 0.00%) | |
| Loans to nondepository financials | $7.0M (3% of equity) (p79 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 337 | |

## 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 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | NIM <2.5% |  |
| 2012-06 | 2 |  | NIM <2.5% |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | expense ratio p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 1 |  | capital falling, expense ratio p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | reserve under noncurrent |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | NIM <2.5% | capital falling |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 2 | capital falling | NIM <2.5% |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | expense ratio p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | loans exceed deposits, reserve under noncurrent | wholesale funding >15% |
| 2017-03 | 3 | wholesale funding >15% | expense ratio p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | capital falling | wholesale funding >15% |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | loans exceed deposits |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | charge-offs p90, deposits shrinking |  |
| 2023-06 | 1 |  | securities losses >30% of equity, charge-offs p90 |
| 2023-09 | 1 | securities losses >30% of equity | deposits shrinking |
| 2023-12 | 1 | capital falling | securities losses >30% of equity |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-11-26 [Westfield Bank names new leader to oversee CT commercial lending operations - Hartford Business Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxNekt5LVVrOERDMHR3R1FHQnJmU0R1eDJ1TnRid3RqWm1zSjJ6a2Z5UE4yeVhURHVBbGR5Y2ZRVzAtSlNOc3pQWk43QlNmaXdkTm4za1FHaVc3QmVLWEp2RFBnZFl0T01rTC1wTHNNa2p0bEFadlJDMzdQbFFrTEtVclBNZFBTU3pITjZFQndMQ3l0NDJ0Qmt4dzhBdEV1dUE5bU1TT2p1SmtJWFJkN2xkaldJaw?oc=5) · Hartford Business Journal
- 2026-02-13 [Picture This - BusinessWest](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1pbllNX3RwallaRTFuc3VQVTlWeHZxTEZFaWpqSlJKQ0tLek1hb0h5c3lvQnFVM2pmaW05SVh5U3dsWWgxRG45a3Y1XzVLeUV1dG55YnpnY29fOVk?oc=5) · BusinessWest
- 2025-12-02 [Woman sentenced for robbing Westfield Bank in South Hadley - WWLP](https://news.google.com/rss/articles/CBMilgFBVV95cUxOS1ZHbFpsdWFDNDJLcU15ckNuVV9TMEROc0ljZkxhWWN0cF9jNUkxcHB1bDNFU1VxTUU0dnc0ZmhLZ1NjbzV0Uy00VF9iSHY2TjhhZzd0T1AyaDZjTGVBcy1sVzlISTVrR3dSNk1BbEE0ODFKZkYxRk81dExOQXBOY01nVWRkX2ZRWjkyTGp2ekVzdXhYaVHSAZsBQVVfeXFMTXZsWDRoaHZDbGZIV012dVlTdjFZdFRFc1lic2h5RmowX09hdmVTQlcxX1Vmd3lUUHh2NDh0ZVlpTW9lRHdwWWlFZ2I3eVA5c29VUjV0S2N1NUF1X0hGT2x1NE4zTEFkSzAxd1VsNkpRSkw2dTgwZWtxYUcyWWdZODhHY3FUVHZqV0doTDZwakNON2F0UnJQLXNrbkU?oc=5) · WWLP
- 2026-02-03 [WMass banks on the front line in battling high-tech fraud attempts - MassLive](https://news.google.com/rss/articles/CBMitwFBVV95cUxOLWJYN2toV05Oa2ItMTFCQmRNNkFUbTBDNzF4OUFqajlfQV83OUJPV2VlWVpya05EajJGTlFXTC03OXAzcWhlMWh6RUUySTFfNFd5ZkwtMlBoNHJEa1pjNXNsbXJBanhYRUVpNV94TnhPN1lzU0o1SFN3bjJWb1cxck5OVU53U2paODR2dUhuTmFNal96N09zMl9KakhJLUk1Sm56SGlmekFSYk1ZTi1hcVFLaFBfd0E?oc=5) · MassLive
- 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
- 2025-12-16 [Westfield Bank Appoints Michael Harrington Senior Lender for Massachusetts - BusinessWest](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQbzBCazNfaHR5X2p3ODVRUUs4VkVrbU43OFhPTm16Mks0MlEtRTFQaTJYQVlzRk84QTBwOGNEdGtGalNMSU0xb0twREJzVmllRUt6OWpQemhGVS1VSHNialJRMkZLblRpbmtFMG5IQmpadTZNekdKTUpjaU9LblpjSGpYd0Q0X0VlM1VqVnprdmtOa2R2a19JdlVjQlR5YUF1eGJkUHFON1QxNFk?oc=5) · BusinessWest
- 2025-12-02 [Woman sentenced in local bank robbery case - Northwestern District Attorney](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBOOU8xcFdELU1GM1NKdG44NFAzaGY5V1VnZnZpWG1rdWpYY29xUHVpMGJmRkRYTVR5TTNRdWpFaVg2TzI0cGxEU1RITlZXbmZxVy1ZcDBKa3BUdVJKQjZn?oc=5) · Northwestern District Attorney
- 2017-04-03 [Westfield Bank’s Kevin O’Connor Promoted - The Westfield News](https://news.google.com/rss/articles/CBMid0FVX3lxTE1yb0hIVmV6RWNvbi1mclI2dURnbmJUQV9KM3NXWFptNWMtSDFfeW1KRDdBM3ZUSlQ0elZxVW1BcElVUXN6bEpSSV85eEZpdFpqM0YyLW1KSDhKcHRLb2JsUUZFeDgtREdfWVFoeGZqckl6bEhhZ2hz?oc=5) · The Westfield News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90300 (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/60.json (key "90300", 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.

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