Westfield Financial is the holding company for Westfield Bank, which serves western Massachusetts' Hampden County and surrounding areas from more than 20 branch locations. Founded in 1853, the bank has traditionally been a community-oriented provider of retail deposit accounts and loans, but it is placing more emphasis on serving commercial and industrial clients. Commercial real estate loans account for approximately 45% of the company's loan portfolio and business loans are more than 25%. The bank also makes a smaller number of consumer and home equity loans. In 2016, Westfield Financial merged with Chicopee Bancorp, the holding company of Chicopee Savings Bank (another bank serving Hampden County).