Westfield Bank (FDIC certificate #90300) is based in Westfield, Massachusetts. Its Q2 2026 call report shows $2.7B in total assets and $2.4B in deposits and 27 offices across 2 states.
Based on its Q2 2026 filing, Westfield Bank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 52nd. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is capital cushion (44/100; 9.37%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 62).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 62 |
| Q1 2025 | 61 |
| Q2 2025 | 63 |
| Q3 2025 | 62 |
| Q4 2025 | 63 |
| Q1 2026 | 64 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.78% |
| Q3 2024 | 9.61% |
| Q4 2024 | 9.34% |
| Q1 2025 | 9.26% |
| Q2 2025 | 9.29% |
| Q3 2025 | 9.30% |
| Q4 2025 | 9.32% |
| Q1 2026 | 9.36% |
| Q2 2026 | 9.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $2.7B | 9.37% | 0.35% | 0.73% | 90.5% |
| Q1 2026 | 64 | $2.8B | 9.36% | 0.21% | 0.81% | 91.5% |
| Q4 2025 | 63 | $2.7B | 9.32% | 0.23% | 0.66% | 91.5% |
| Q3 2025 | 62 | $2.7B | 9.30% | 0.26% | 0.60% | 89.8% |
| Q2 2025 | 63 | $2.7B | 9.29% | 0.27% | 0.62% | 88.9% |
| Q1 2025 | 61 | $2.7B | 9.26% | 0.29% | 0.45% | 88.4% |
| Q4 2024 | 62 | $2.7B | 9.34% | 0.26% | 0.54% | 90.5% |
| Q3 2024 | 63 | $2.6B | 9.61% | 0.24% | 0.52% | 91.2% |
| Q2 2024 | 64 | $2.6B | 9.78% | 0.29% | 0.59% | 92.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Avidia BankBank Hudson, MA | 67 out of 100, Moderate | $2.8B | 12.4% | 0.75% | vs |
| Dedham Institution for SavingsBank Dedham, MA | 59 out of 100, Moderate | $2.6B | 11.4% | 1.15% | vs |
| BayCoast BankBank Swansea, MA | 46 out of 100, Below average | $2.9B | 8.3% | 1.45% | vs |
| Cornerstone BankBank Spencer, MA | 60 out of 100, Moderate | $2.6B | 9.2% | 0.35% | vs |
| South Shore BankBank South Weymouth, MA | 65 out of 100, Moderate | $2.5B | 10.1% | 0.24% | vs |
| UniBank for SavingsBank Whitinsville, MA | 62 out of 100, Moderate | $3.1B | 8.8% | 0.62% | vs |
Deposit insurance
Is my money safe at Westfield Bank?
Yes. Westfield Bank is an FDIC-insured institution (FDIC certificate #90300). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.1% of deposits ($723.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.47% (benchmark: 10%).
27 locations
Branches
Westfield Bank lists 25 offices in 17 cities across 2 states. Most locations:
- Chicopee, MA (4)
- Westfield, MA (4)
- Springfield, MA (2)
- West Springfield, MA (2)
- Agawam, MA (1)
- Bloomfield, CT (1)
- East Longmeadow, MA (1)
- Enfield, CT (1)
- Feeding Hills, MA (1)
- Granby, CT (1)
- Holyoke, MA (1)
- Huntington, MA (1)
HMDA 2025
Mortgage lending
In 2025, Westfield Bank reported 1,107 home-loan applications under HMDA (LEI 549300KV83NH6PNL5E48): 875 originated ($191,395,000 total), 87 denied, and 121 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Westfield Bank
- Former names
- Westfield Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 90300
- RSSD ID
- 892205
- Primary regulator
- OCC
- Holding company
- Western New England Bcorp Inc
- Established
- April 15, 1853
- Headquarters
- 141 Elm St, Westfield, MA 01085
- Website
- www.westfieldbank.com
- Employees
- 337
Quick answers
Westfield Bank: common questions
Is Westfield Bank FDIC insured?
Yes. Westfield Bank is an FDIC-insured institution (FDIC certificate #90300). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Westfield Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Westfield Bank ever failed?
There is no failure record for FDIC certificate #90300 in the FDIC failed bank list.
How many branches does Westfield Bank have?
27 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Westfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greater Springfield Credit UnionCredit union Springfield, MA | 94 out of 100, Very strong | $230.3M | 19.7% | 0.45% | vs |
| MassMutual Private Wealth & Trust, FSBBank Springfield, MA | 93 out of 100, Very strong | $93.7M | 32.2% | 0.00% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |
| Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT | 80 out of 100, Strong | $605K | 22.2% | 0.00% | vs |
| Liberty BankBank Middletown, CT | 79 out of 100, Strong | $9.4B | 13.4% | 0.32% | vs |
| Dutch Point Credit UnionCredit union Wethersfield, CT | 77 out of 100, Strong | $565.4M | 10.6% | 0.12% | vs |