Side-by-side · Q2 2026 data
Northern Bank & Trust Company vs Westfield Bank
Metric by metric
| Measure | Northern Bank & Trust Company | Westfield Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 62 |
| Capital cushion | 96 (stronger) | 44 |
| Loan quality | 31 | 88 (stronger) |
| Earnings | 96 (stronger) | 49 |
| Funding & liquidity | 40 | 53 (stronger) |
| Problem-loan coverage | 75 | 94 (stronger) |
| Peer percentile | 53rd | 27th |
| Total assets | $3.4B | $2.7B |
| Deposits / shares | $2.8B | $2.4B |
| Capital ratio | 14.55% (stronger) | 9.37% |
| Problem loans | 2.07% | 0.35% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.17% |
| Return on assets | 1.90% (stronger) | 0.73% |
| Loans ÷ deposits | 100.7% | 90.5% (stronger) |
| Uninsured deposits | 33.0% | 30.1% (stronger) |
| Offices | 12 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 8.8% |
Northern Bank & Trust Company has the higher TellerScore (69 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Northern Bank & Trust Company leads on 4 and Westfield Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.