Westfield Bank
Westfield, MA
IDRSSD: 892205
Total Assets
$2.73B
Latest filing
Total Deposits
$2.36B
Latest filing
Net Interest Margin
3.00%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211871604WESTFIELD, MA
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Westfield Bank
141 Elm St
Westfield, MA 01085
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/15/1853FDIC Certificate 17889
Branches (26)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Westfield Bank (Main) | 141 Elm St | Westfield, MA |
| CHICOPEE BRANCH OFFICE | 70 Center St | Chicopee, MA |
| MEMORIAL DRIVE BRANCH | 599 Memorial Dr | Chicopee, MA |
| EAST STREET BRANCH | 569 East St | Chicopee, MA |
| BURNETT ROAD BRANCH | 241 Burnett Rd | Chicopee, MA |
| DRIVE-UP FACILITY | 26 Arnold St | Westfield, MA |
| WEST SPRINGFIELD BRANCH | 206 Park St | West Springfield, MA |
| AGAWAM BRANCH | 655 Main St | Agawam, MA |
Showing 7 of 26
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
UniBank for Savings
Whitinsville, Massachusetts
→
Assets: $2.77BΔ +1.4%
Avidia Bank
Hudson, Massachusetts
→
Assets: $2.78BΔ +1.8%
BayCoast Bank
Swansea, Massachusetts
→
Assets: $2.86BΔ +4.9%
Dedham Institution for Savings
Dedham, Massachusetts
→
Assets: $2.55BΔ -6.5%
North Shore Bank, a Co-operative Bank
Peabody, Massachusetts
→
Assets: $2.98BΔ +9.0%
South Shore Bank
South Weymouth, Massachusetts
→
Assets: $2.44BΔ -10.6%
Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 04/15/1853 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01085 |
| State and County Number | 25013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Springfield, MA |
Operational Info
| Number of Employees | 314 |
| Domestic Offices | 27 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.westfieldbank.com |
| Data Updated | 01/30/2026 |
| CERT | 90300 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.73B |
| Total Deposits | $2.36B |
| Total Liabilities | $2.48B |
| Total Equity Capital | $252.55M |
| Net Income | $5.82M |
| Net Loans and Leases | $2.16B |
| Assets Per Employee ($Millions) | $8.6M |
| Bank Premises and Fixed Assets | $29.33M |
| Cash and Balances due from Depository Institutions | $37.54M |
| Deposits Held in Domestic Offices | $2.36B |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 9.3% |
| Net Interest Margin | 3% |
| Efficiency Ratio | 68.52% |
| Tier 1 Risk-Based Capital Ratio | 12.456% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.237% |
| Earning Assets to total Assets | 93.39% |
Income and Expense
| Total Interest Income | $30.53M |
| Total Noninterest Income | $3.18M |
| Total Interest Expense | $11.45M |
| Total Noninterest Expense | $15.35M |
| Net Interest Income | $19.08M |
| Pre-tax Net Operating Income | $7.40M |
| Provision for Credit Losses | $-485,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $86.27M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.23M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $27.29M |
| Total Liabilities and Capital | $2.73B |
Securities
| Securities | $365.23M |
| Available-for-sale debt securities | $175.80M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $188.80M |
| Subordinated Debt | $0 |
| Trading Account Assets | $4.96M |
| Trading Liabilities | $4.96M |
Frequently Asked Questions
What are the total assets of Westfield Bank?
$2.73B as of the latest filing.
How much are Westfield Bank's total deposits?
$2.36B in total deposits.
Where is Westfield Bank located?
Westfield, MA.
What is the Net Interest Margin?
3.00%.
How many domestic offices does it operate?
27.
When was it established?
04/15/1853.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$2.16B (latest filing).
What is the total interest income (latest filing)?
$30.53M.