Romney, WV · Cert 6794 · Eastern Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Winchester, VA-WV · 2026 SOD (annual) · 6.4% share · #7 of 13 inst. · $0.2B of $3.5B
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 | 0.60% | 0.70% | 0.67% | 0.71% | 0.75% | 0.85% | 0.89% | 0.99% | +28 bps | |
| Return on Equity | 7.13% | 8.35% | 7.77% | 8.15% | 8.54% | 9.59% | 9.73% | 10.79% | +264 bps | |
| Net Interest Margin | 2.97% | 3.02% | 3.36% | 3.34% | 3.36% | 3.45% | 3.59% | 3.69% | +35 bps | |
| Efficiency Ratio | 79.25% | 76.96% | 77.67% | 75.92% | 74.33% | 72.17% | 71.17% | 68.90% | -702 bps | |
| Non-Interest Burden | 2.21% | 2.16% | 2.48% | 2.38% | 2.33% | 2.32% | 2.38% | 2.34% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | -1.35% | 0.20% | 1.59% | 3.09% | 5.90% | 2.17% | 4.59% | +301 bps | |
| Loan Growth (YoY) | -3.09% | -1.75% | -0.30% | 4.53% | 5.67% | 5.65% | 4.46% | 3.05% | -148 bps | |
| Deposit Growth (YoY) | 1.53% | 1.95% | 3.06% | 3.39% | 6.33% | 7.64% | 4.36% | 7.49% | +410 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.64% | 0.56% | 0.53% | 0.48% | 0.43% | 0.43% | 0.45% | -8 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.17% | 0.21% | 0.20% | 0.16% | 0.01% | 0.23% | +3 bps | |
| Allowance / Loans | 1.16% | 1.12% | 1.08% | 1.03% | 1.01% | 1.04% | 1.07% | 0.97% | -6 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.7x | 1.9x | 1.9x | 2.1x | 2.4x | 2.5x | 2.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 10.10% | 10.42% | 10.38% | 10.45% | 10.24% | 10.49% | 10.60% | +22 bps | |
| Total Risk-Based Capital | 10.18% | 10.10% | 10.42% | 10.38% | 10.45% | 10.24% | 10.49% | 10.60% | +22 bps | |
| Equity / Assets | 8.83% | 8.62% | 8.69% | 8.84% | 9.09% | 9.06% | 9.22% | 9.35% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.38% | 87.52% | 85.44% | 88.48% | 87.83% | 85.91% | 85.52% | 84.82% | -365 bps | |
| Liquid Assets / Assets | 1.32% | 1.32% | 1.85% | 1.54% | 1.54% | 1.71% | 1.68% | 1.87% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 168.12% | 167.84% | 166.23% | n/a | n/a | |