| Weiss Ratings |
Westfield Bank
Westfield, MA |
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| Rating | ||||
| Asset Quality Index | 8.20 | |||
| Capitalization Index | 6.70 | |||
| Liquidity Index | 2.20 | |||
| Profitability Index | 3.40 | |||
| Stability Index | 7.40 | |||
| Company Info |
Westfield Bank
Westfield, MA |
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| FDIC Number | 90300 | |||
| Phone Number | (413) 568-1911 | |||
| Website | www.westfieldbank.com | |||
| Asset Quality |
Westfield Bank
Westfield, MA |
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| 1-Year Asset Growth | 3.55% | |||
| 5-Year Asset Growth | 4.33% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | -0.03% | |||
| Non-Performing Assets to Assets | 0.20% | |||
| Non-Performing Loans to Capital | 1.96% | |||
| Non-Performing Loans to Loans | 0.26% | |||
| Balance Sheet |
Westfield Bank
Westfield, MA |
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| Total Assets | 2.73B | |||
| Total Deposits | 2.35B | |||
| Capital and Reserves |
Westfield Bank
Westfield, MA |
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| Capital | 248.58M | |||
| Leverage Ratio | 9.30 | |||
| Loan Loss Reserves to Loans | 0.96% | |||
| Risk-Based Capital Ratio | 13.58 | |||
| Liquidity |
Westfield Bank
Westfield, MA |
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| Hot Money Ratio | 19.85% | |||
| Liquidity Ratio | 10.85% | |||
| Profitability |
Westfield Bank
Westfield, MA |
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| 5-Year Return on Average Assets | 0.78% | |||
| Net Income | 12.13M | |||
| Net Interest Spread | 2.72% | |||
| Operating Profit to Average Assets | 0.76% | |||
| Overhead Efficiency Ratio | 73.35% | |||
| Return on Assets | 0.59% | |||
| Return on Equity | 6.63% | |||