Westfield Financial, Inc. (Westfield Financial) serves as a holding company for Westfield Bank (the Bank). As a community bank, it focuses on servicing commercial customers, including commercial and industrial lending and commercial deposit relationships. As of December 31, 2011, the Bank operates 12 banking offices in Agawam, East Longmeadow, Holyoke, Southwick, Springfield, West Springfield and Westfield, Massachusetts. It also has 13 free-standing automated teller machine (ATM) locations in Feeding Hills, Holyoke, Springfield, West Springfield and Westfield, Massachusetts. Its primary deposit gathering area is concentrated in the communities surrounding these locations and its primary lending area includes all of Hampden County in western Massachusetts. In addition, it provides online banking services through its Website located at www.westfieldbank.com.