| Metric | Westfield Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.5% | -4.8 pts |
| Deposit growth (YoY) | +3.0% | +5.1% | -2.0 pts |
| Loan growth (YoY) | +4.9% | +5.9% | -1.1 pts |
| ROA | 0.73% | 1.26% | -0.5 pts |
| ROE | 7.9% | 12.2% | -4.2 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.73B | $2.40B | $2.17B | $253.5M | $10.1M | 0.73% | 3.03% | 0.28% |
| Q1 2026 | $2.76B | $2.38B | $2.18B | $253.4M | $5.6M | 0.81% | 2.98% | 0.17% |
| Q4 2025 | $2.73B | $2.36B | $2.16B | $252.6M | $18.0M | 0.66% | 2.83% | 0.19% |
| Q3 2025 | $2.73B | $2.35B | $2.11B | $248.6M | $12.1M | 0.60% | 2.77% | 0.20% |
| Q2 2025 | $2.71B | $2.33B | $2.07B | $244.5M | $8.3M | 0.62% | 2.70% | 0.21% |
| Q1 2025 | $2.71B | $2.33B | $2.06B | $243.0M | $3.0M | 0.45% | 2.54% | 0.22% |
| Q4 2024 | $2.65B | $2.26B | $2.05B | $241.0M | $14.0M | 0.54% | 2.53% | 0.20% |
| Q3 2024 | $2.64B | $2.23B | $2.03B | $245.8M | $10.1M | 0.52% | 2.52% | 0.18% |
Loan mix (Q2 2026): real estate $1.95B · commercial $218.2M · consumer $2.2M · securities $353.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Westfield Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 12.2% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 59.0% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Westfield Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Westfield Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Westfield Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Westfield Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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