Western New England Bancorp is a community bank holding company operating through its wholly owned subsidiary, Westfield Bank. The bank serves individuals, small businesses, commercial real estate investors, and municipalities across 25 branch locations in western Massachusetts and the greater Hartford, Connecticut area. Like most community banks, Westfield Bank earns money by collecting interest on loans funded primarily by customer deposits, with loan interest income representing roughly 80% of total revenue. The bank's $2.2B loan portfolio is heavily weighted toward real estate, which makes up about 90% of total loans. Commercial real estate is the largest segment at roughly 50% of loans, covering office, multifamily, industrial, and retail properties. Residential mortgages make up another 33%, with the bank selling eligible loans to the secondary market or holding them depending on rate and liquidity conditions. Commercial and industrial loans to local businesses account for about 10% of the portfolio. The bank funds itself primarily through $2.4B in customer deposits, with core deposits representing about 71% of the total, supplemented by modest FHLB borrowings. Profitability is driven by loan growth, deposit funding costs, and net interest margin. Credit quality is strong, with nonaccrual loans at just 0.24% of total loans at year-end 2025. Beyond lending, the bank earns fee income through wealth management services offered via a partnership with LPL Financial, branded as Westfield Investment Services.