Western New England Bancorp, Inc. (WNEB) Balance Sheet
WNEB balance sheet, 2025
December 31, 2025 · U.S. dollars$2.74B assets = $2.49B liabilities + $247.6M equity
Both columns are drawn to the same scale: what WNEB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
WNEB financial health
Descriptive bands, not a rating. Fiscal 2025.
WNEB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.08B2016 | $2.74B2025 | +3.1%/yr | |
| Total liabilities | $1.84B2016 | $2.49B2025 | +3.4%/yr | |
| Shareholders’ equity | $238.4M2016 | $247.6M2025 | +0.4%/yr | |
| Cash & short-term investments | $366.0M2016 | $43.1M2025 | −21.1%/yr | |
| Total debt | $297.2M2016 | $106.1M2025 | −10.8%/yr | |
| Net cash (debt) | $68.8M2016 | −$62.9M2025 | −$131.7M | |
| Working capital | −$1.32B2016 | −$2.32B2025 | −$1.0B | |
| Book value per share | $12.042016 | $12.262025 | +0.2%/yr | |
| Debt / equity | 1.252016 | 0.432025 | −0.82 | |
| Shares outstanding | 19.8M2016 | 20.2M2025 | +0.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
WNEB assets
WNEB liabilities and equity
WNEB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
WNEB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $43.1M | $217.9M | $163.0M | $175.7M | $292.9M | $289.3M | $250.8M | $279.3M | $315.2M | $366.0M |
| Cash & equivalents | $38.1M | $57.2M | $25.8M | $28.7M | $98.6M | $87.4M | $23.1M | $25.5M | $26.8M | $65.8M |
| Short-term investments | $5.0M | $160.7M | $137.1M | $147.0M | $194.4M | $201.9M | $227.7M | $253.7M | $288.4M | $300.1M |
| Receivables | $8.8M | $8.5M | $8.5M | $8.1M | $7.8M | $8.5M | $5.3M | $5.7M | $5.9M | $5.8M |
| Inventory | $0 | $0 | −$37.4M | $0 | −$111.2M | −$95.9M | −$30.1M | $0 | $155,000 | $298,000 |
| Other current assets | $0 | $0 | $37.4M | $0 | $111.2M | $95.9M | $30.1M | $0 | $0 | $0 |
| Total current assets | $51.9M | $226.4M | $171.5M | $183.8M | $300.7M | $297.8M | $256.1M | $284.9M | $321.2M | $371.7M |
| Property, plant & equipment (net) | $23.3M | $24.4M | $25.6M | $25.0M | $26.2M | $25.1M | $23.8M | $24.6M | $23.5M | $20.9M |
| Goodwill & intangible assets | $13.6M | $13.9M | $14.3M | $14.7M | $15.1M | $15.4M | $15.8M | $16.2M | $16.6M | $18.2M |
| Long-term investments | $365.2M | $366.1M | $360.7M | $383.4M | $428.5M | $1.91B | $1.77B | $1.69B | $1.63B | $1.56B |
| Other non-current assets | $2.28B | $2.02B | $1.99B | $1.95B | $1.77B | $112.9M | $118.5M | $102.6M | $96.1M | $103.0M |
| Total assets | $2.74B | $2.65B | $2.56B | $2.55B | $2.54B | $2.37B | $2.18B | $2.12B | $2.08B | $2.08B |
| Liabilities | ||||||||||
| Accounts payable | — | — | $140,000 | $2.23B | $2.25B | $2.04B | $1.68B | $1.60B | $1.51B | $1.52B |
| Short-term debt | $13.3M | $5.4M | $16.1M | $41.4M | $1.4M | $43.9M | $35.0M | $59.2M | $144.7M | $172.4M |
| Deferred revenue | — | — | −$140,000 | — | — | — | — | — | — | — |
| Total current liabilities | $2.37B | $2.27B | $2.16B | $2.27B | $2.26B | $680.6M | $1.71B | $1.66B | $1.65B | $1.69B |
| Long-term debt | $92.8M | $117.8M | $140.4M | $19.7M | $19.6M | $57.9M | $205.5M | $208.0M | $164.8M | $124.8M |
| Other long-term liabilities | $21.9M | $31.4M | $27.0M | $34.5M | $38.2M | $0 | $31.1M | $18.5M | $20.3M | $22.4M |
| Total liabilities | $2.49B | $2.42B | $2.33B | $2.33B | $2.31B | $57.9M | $1.95B | $1.88B | $1.84B | $1.84B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $204,000 | $209,000 | $217,000 | $222,000 | $227,000 | $253,000 | $266,000 | $284,000 | $305,000 | $304,000 |
| Retained earnings (deficit) | $152.3M | $142.7M | $137.0M | $128.0M | $107.4M | $88.4M | $82.2M | $74.1M | $62.6M | $51.7M |
| Treasury stock | — | — | — | — | — | — | — | — | −$5.8M | −$6.4M |
| Accumulated other comprehensive income | −$16.7M | −$23.3M | −$21.7M | −$25.0M | −$12.3M | −$11.3M | −$9.0M | −$13.4M | −$12.6M | −$12.7M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $247.6M | $235.9M | $237.4M | $228.1M | $223.7M | $2.31B | $232.0M | $237.0M | $247.3M | $238.4M |
| Key figures | ||||||||||
| Total debt | $106.1M | $123.1M | $156.5M | $62.2M | $22.3M | $101.7M | $240.5M | $267.3M | $309.4M | $297.2M |
| Net cash (debt) | −$62.9M | $94.7M | $6.5M | $113.5M | $270.6M | $187.6M | $10.3M | $12.0M | $5.8M | $68.8M |
| Working capital | −$2.32B | −$2.04B | −$1.99B | −$2.09B | −$1.96B | −$382.8M | −$1.46B | −$1.37B | −$1.33B | −$1.32B |
| Tangible book value | $234.1M | $222.0M | $223.1M | $213.5M | $208.6M | $2.29B | $216.2M | $220.9M | $230.7M | $220.2M |
| Book value per share | $12.26 | $11.23 | $10.99 | $10.40 | $9.60 | $92.09 | $8.82 | $8.17 | $8.24 | $12.04 |
| Shares outstanding | 20.2M | 21.0M | 21.6M | 21.9M | 23.3M | 25.1M | 26.3M | 29.0M | 30.0M | 19.8M |
| Current ratio | 0.02 | 0.10 | 0.08 | 0.08 | 0.13 | 0.44 | 0.15 | 0.17 | 0.19 | 0.22 |
| Quick ratio | 0.02 | 0.10 | 0.08 | 0.08 | 0.13 | 0.44 | 0.15 | 0.17 | 0.19 | 0.22 |
| Debt / equity | 0.43 | 0.52 | 0.66 | 0.27 | 0.10 | 0.04 | 1.04 | 1.13 | 1.25 | 1.25 |
| Equity / assets | 9.0% | 8.9% | 9.3% | 8.9% | 8.8% | 97.6% | 10.6% | 11.2% | 11.9% | 11.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $37.7M | $22.2M | $43.1M | $80.8M | $92.2M | $110.8M | $217.9M | $216.1M | $186.6M | $160.3M | $163.0M | $183.9M |
| Cash & equivalents | $37.7M | $22.2M | $38.1M | $75.8M | $87.2M | $105.8M | $57.2M | $60.2M | $51.5M | $21.9M | $25.8M | $53.2M |
| Short-term investments | $170.6M | $173.2M | $5.0M | $5.0M | $5.0M | $5.0M | $160.7M | $155.9M | $135.1M | $138.4M | $137.1M | $130.7M |
| Receivables | $9.0M | $8.9M | $8.8M | $8.9M | $8.7M | $8.7M | $8.5M | $8.7M | $8.7M | $8.6M | $8.5M | $8.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$81.5M | −$62.2M | −$31.2M | −$37.4M | −$78.8M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $81.5M | $62.2M | $31.2M | $37.4M | $78.8M |
| Total current assets | $28.7M | $31.1M | $51.9M | $89.7M | $100.9M | $119.5M | $226.4M | $224.8M | $195.3M | $168.9M | $171.5M | $192.2M |
| Property, plant & equipment (net) | $23.8M | $23.6M | $23.3M | $23.2M | $23.5M | $23.7M | $24.4M | $24.2M | $24.7M | $25.0M | $25.6M | $24.8M |
| Goodwill & intangible assets | $13.4M | $13.5M | $13.6M | $13.6M | $13.7M | $13.8M | $13.9M | $14.0M | $14.1M | $14.2M | $14.3M | $14.4M |
| Long-term investments | $353.0M | $359.2M | $365.2M | $373.2M | $376.9M | $369.8M | $366.1M | $369.4M | $353.0M | $359.8M | $360.7M | $355.7M |
| Other non-current assets | $2.31B | $2.34B | $2.28B | $2.24B | $2.20B | $2.18B | $2.02B | $2.01B | $2.00B | $1.99B | $1.99B | $2.00B |
| Total assets | $2.73B | $2.76B | $2.74B | $2.74B | $2.71B | $2.71B | $2.65B | $2.64B | $2.59B | $2.56B | $2.56B | $2.59B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | $2.5M | $102,000 | — | $140,000 | — |
| Short-term debt | $17.7M | $23.8M | $13.3M | $3.0M | $4.0M | $4.5M | $5.4M | $4.4M | $6.6M | $11.5M | $16.1M | $8.9M |
| Deferred revenue | — | — | — | — | — | — | — | −$1.35B | −$102,000 | — | −$140,000 | — |
| Total current liabilities | $17.7M | $23.8M | $2.37B | $2.35B | $2.33B | $2.33B | $2.27B | $2.23B | $2.18B | $2.16B | $2.16B | $2.19B |
| Long-term debt | $44.8M | $92.8M | $92.8M | $117.8M | $117.8M | $117.8M | $117.8M | $148.0M | $148.0M | $140.4M | $140.4M | $140.9M |
| Other long-term liabilities | $2.42B | $2.40B | $21.9M | $21.3M | $19.8M | $20.7M | $31.4M | $23.2M | $23.2M | $25.9M | $27.0M | $28.0M |
| Total liabilities | $2.48B | $2.52B | $2.49B | $2.49B | $2.47B | $2.47B | $2.42B | $2.40B | $2.35B | $2.32B | $2.33B | $2.35B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $200,000 | $202,000 | $204,000 | $205,000 | $205,000 | $208,000 | $209,000 | $211,000 | $214,000 | $216,000 | $217,000 | $219,000 |
| Retained earnings (deficit) | $157.9M | $155.7M | $152.3M | $148.5M | $146.8M | $143.6M | $142.7M | $140.9M | $140.5M | $138.4M | $137.0M | $136.0M |
| Accumulated other comprehensive income | −$19.0M | −$19.5M | −$16.7M | −$17.8M | −$19.8M | −$20.7M | −$23.3M | −$18.3M | −$23.6M | −$23.6M | −$21.7M | −$28.7M |
| Total shareholders' equity | $248.3M | $248.1M | $247.6M | $243.6M | $239.4M | $237.7M | $235.9M | $240.7M | $236.5M | $235.8M | $237.4M | $230.9M |
| Key figures | ||||||||||||
| Total debt | $62.5M | $116.6M | $106.1M | $120.8M | $121.8M | $122.3M | $123.1M | $152.4M | $154.6M | $151.8M | $156.5M | $149.8M |
| Net cash (debt) | −$24.9M | −$94.5M | −$62.9M | −$39.9M | −$29.6M | −$11.5M | $94.7M | $63.7M | $32.0M | $8.4M | $6.5M | $34.1M |
| Working capital | $10.9M | $7.3M | −$2.32B | −$2.26B | −$2.23B | −$2.21B | −$2.04B | −$2.00B | −$1.98B | −$1.99B | −$1.99B | −$1.99B |
| Tangible book value | $234.9M | $234.6M | $234.1M | $230.0M | $225.7M | $223.8M | $222.0M | $226.6M | $222.4M | $221.6M | $223.1M | $216.5M |
| Book value per share | $12.43 | $12.36 | $12.26 | $12.04 | $11.79 | $11.59 | $11.40 | $11.50 | $11.17 | $11.09 | $11.09 | $10.65 |
| Shares outstanding | 20.0M | 20.1M | 20.2M | 20.2M | 20.3M | 20.5M | 20.7M | 20.9M | 21.2M | 21.3M | 21.4M | 21.7M |
| Current ratio | 1.62 | 1.31 | 0.02 | 0.04 | 0.04 | 0.05 | 0.10 | 0.10 | 0.09 | 0.08 | 0.08 | 0.09 |
| Quick ratio | 2.63 | 1.31 | 0.02 | 0.04 | 0.04 | 0.05 | 0.10 | 0.10 | 0.09 | 0.08 | 0.08 | 0.09 |
| Debt / equity | 0.25 | 0.47 | 0.43 | 0.50 | 0.51 | 0.51 | 0.52 | 0.63 | 0.65 | 0.64 | 0.66 | 0.65 |
| Equity / assets | 9.1% | 9.0% | 9.0% | 8.9% | 8.8% | 8.8% | 8.9% | 9.1% | 9.1% | 9.2% | 9.3% | 8.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 10, 2026); data from EODHD.
WNEB financial position
At the end of fiscal 2025 (December 31, 2025), Western New England Bancorp had total assets of $2.7 billion (up 3.1% from a year earlier), total liabilities of $2.5 billion and shareholders' equity of $247.6 million. It held $43.1 million in cash and short-term investments against $106.1 million of debt, net debt of $62.9 million. Its current ratio was 0.02. In the latest quarter (ended June 30, 2026) total assets were $2.7 billion and equity $248.3 million.
Related: WNEB income statement, WNEB cash flow statement, WNEB key metrics. See the WNEB stock overview for the latest quote and news.
WNEB balance sheet FAQ
What are Western New England Bancorp's total assets?
Western New England Bancorp reported total assets of $2.7 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.7 billion a year earlier.
How much debt does Western New England Bancorp have?
Western New England Bancorp had $106.1 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.43.
How much cash does Western New England Bancorp have?
Western New England Bancorp held $43.1 million in cash and short-term investments at the end of fiscal 2025; with $106.1 million of debt that is net debt of $62.9 million.
What is Western New England Bancorp's book value?
Western New England Bancorp's shareholders' equity (book value) was $247.6 million at the end of fiscal 2025, or $12.26 per share.
What is Western New England Bancorp's current ratio?
Western New England Bancorp had current assets of $51.9 million and current liabilities of $2.4 billion, a current ratio of 0.02 (current liabilities exceed current assets).
How much goodwill does Western New England Bancorp have?
Western New England Bancorp carried $13.6 million of goodwill and intangible assets, 0.5% of total assets, at the end of fiscal 2025.