BlastPoint's Banking Scorecard
Westfield Bank
Community
Specialty: Commercial
MA
FDIC cert 90300
Westfield, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Westfield Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+3.1% YoY
+0.1% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$2.2B
+5.5% YoY
+2.5% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.4B
+4.3% YoY
+0.5% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.66%
+23.5% YoY
+10.7% QoQ
|
-0.50% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.83%
+11.9% YoY
+2.2% QoQ
|
-0.84% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
71.73%
-6.2% YoY
-1.6% QoQ
|
+9.10% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.24%
-9.3% YoY
-11.2% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
91.55%
+1.1% YoY
+2.0% QoQ
|
+8.48% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
25.25%
+0.7% YoY
+0.3% QoQ
|
+4.20% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.19%
-7.2% YoY
-9.1% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.46%
-1.4% YoY
-0.5% QoQ
|
+2.21% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.46%
-6.1% YoY
+34.1% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#109 of 513 · Bottom 21% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.55%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.25% · Tier avg: 21.05%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.46% · Tier avg: 10.24%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.55% · Tier avg: 83.06%
23
23th pctile
Efficiency Ratio
Current: 71.73% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
Top Weaknesses
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
23
23th pctile
Efficiency Ratio
Current: 71.73% · Tier avg: 62.63%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.55% · Tier avg: 83.06%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.46% · Tier avg: 10.24%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.25% · Tier avg: 21.05%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M