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Eastern Bankshares
Eastern Bankshares (EBC) investor relations material
Eastern Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Operating earnings rose 62% year-over-year, with strong organic loan growth and record wealth assets under management at $10.1 billion in 2025.
The HarborOne merger expanded the footprint, adding $4.5 billion in loans and $4.3 billion in deposits, making the company the largest independent bank in Massachusetts.
Operating net income for Q4 2025 was $94.7 million, up 28% sequentially, with a return on average tangible common equity of 13.8%.
Strategic focus is on organic growth, merger integration, and capital return, with no acquisitions planned for the foreseeable future.
Talent acquisition and integration of new teams have driven commercial lending and wealth management momentum.
Financial highlights
Q4 2025 net income was $99.5 million ($0.46 per diluted share), including a GAAP tax benefit and merger-related costs; operating net income was $94.7 million ($0.44 per share).
Net interest income was $237.4 million ($243.4 million FTE), up $37.2 million from Q3, with net interest margin up 14 bps to 3.61%.
Non-interest income reached $46.1 million, up $4.8 million from Q3, driven by mortgage banking and investment advisory fees.
Non-interest expense was $189.4 million, up $49 million linked quarter, mainly due to merger-related costs.
Book value per share ended at $18.42; tangible book value per share at $12.90.
Outlook and guidance
2026 loan growth expected at 3%-5%, deposit growth at 1%-2%.
Net interest income projected at $1.2-$1.5 billion, with FTE margin of 365-375 bps.
Operating non-interest income expected at $190-$200 million; non-interest expense at $655-$675 million.
CET1 ratio to be managed toward 12% over time, with continued share repurchases and dividend growth.
Focus remains on merger integration, cost savings, and enhanced earnings power for 2026 and beyond.
Merger synergy realization timeline?
Acquired NPLs: expected future trend?
Organic deposit growth strategy for 2026?
Timeline for CET1 ratio reduction to 12%
HarborOne NPL resolution plan and timing
Accretion impact on 2026 margin guidance
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Next Eastern Bankshares earnings date
Q1 202624 Apr, 2026
Eastern Bankshares
Next Eastern Bankshares earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Eastern Bankshares Inc. is a bank holding company that operates through its subsidiary, Eastern Bank, providing banking and financial services to individuals, businesses, and nonprofit organizations. The company offers a range of products, including checking and savings accounts, commercial and consumer loans, mortgage lending, wealth management, and insurance services. Eastern Bank serves customers primarily in the Northeastern United States through a network of branches and digital banking platforms. The company is headquartered in Boston, Massachusetts, and its shares are listed on the NASDAQ.
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