Boston, MA · Cert 32773 · Eastern Bankshares Inc.
State charter, non-member · FDIC · 129 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 4.1% share · #5 of 100 inst. · $23.9B of $580.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.53% | -3.39% | -0.88% | -0.03% | 0.39% | 0.87% | 1.13% | +201 bps | |
| Return on Equity | 2.96% | 3.94% | -25.12% | -6.45% | -0.20% | 2.88% | 6.46% | 8.52% | +1,498 bps | |
| Net Interest Margin | 2.32% | 2.40% | 3.08% | 3.21% | 3.19% | 2.95% | 3.31% | 3.33% | +12 bps | |
| Efficiency Ratio | 68.30% | 65.95% | 54.71% | 53.18% | 53.69% | 54.83% | 64.50% | 56.83% | +365 bps | |
| Non-Interest Burden | 1.39% | 1.40% | 1.50% | 1.47% | 1.47% | 1.40% | 1.99% | 1.67% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.67% | 20.99% | 18.07% | 21.04% | -0.18% | 19.68% | 22.55% | 22.30% | +126 bps | |
| Loan Growth (YoY) | 27.54% | 27.45% | 27.50% | 29.79% | 4.55% | 29.97% | 28.04% | 27.35% | -244 bps | |
| Deposit Growth (YoY) | 21.81% | 21.26% | 17.72% | 20.80% | 0.11% | 19.35% | 20.70% | 22.39% | +159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.76% | 0.55% | 0.30% | 0.37% | 0.75% | 0.60% | 0.47% | +17 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.24% | 0.25% | 0.12% | 0.12% | 0.12% | 0.17% | 0.17% | +5 bps | |
| Allowance / Loans | 1.43% | 1.29% | 1.25% | 1.27% | 1.26% | 1.44% | 1.43% | 1.39% | +13 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.7x | 2.3x | 4.2x | 3.4x | 1.9x | 2.4x | 3.0x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.85% | 11.68% | 10.99% | 11.50% | 11.19% | 10.93% | 10.25% | 10.15% | -135 bps | |
| Total Risk-Based Capital | 15.62% | 15.82% | 14.34% | 14.79% | 14.49% | 13.53% | 13.28% | 13.07% | -172 bps | |
| Equity / Assets | 13.64% | 13.38% | 13.65% | 13.90% | 13.86% | 13.55% | 13.29% | 13.00% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.13% | 82.67% | 85.47% | 85.74% | 86.81% | 90.03% | 90.67% | 89.21% | +347 bps | |
| Liquid Assets / Assets | 4.78% | 5.22% | 2.73% | 3.51% | 3.17% | 2.58% | 3.05% | 2.71% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 285% | 327% | 329% | n/a | n/a | |