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Eastern Bankshares (EBC) investor relations material
Eastern Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Celebrated five years as a public company, growing assets by 95% and deposits by 241% since the IPO, and now holding the #1 deposit market share among independent Boston-based banks and the largest independent bank in Massachusetts.
Net income for Q3 2025 was $106.1 million ($0.53 per diluted share), including a GAAP tax benefit; operating net income was $74.1 million ($0.37 per diluted share), up 44% year-over-year.
Wealth management assets under management reached a record $9.2 billion, making it the #1 bank-owned investment advisor in Massachusetts by AUM.
Received all regulatory approvals for the HarborOne merger, expected to close November 1, 2025, expanding presence into Rhode Island and enhancing organic growth opportunities.
Announced a 5% share repurchase program (up to 11.9 million shares) expiring October 31, 2026, and declared a $0.13 per share dividend.
Financial highlights
Q3 2025 net income was $106.1 million ($0.53 per diluted share), with operating net income of $74.1 million ($0.37 per diluted share), up 44% year-over-year but down sequentially due to lower net discount accretion and fee income.
Net interest income was $200.2 million, with a net interest margin of 3.47%, down 12 bps sequentially.
Efficiency ratio improved to 52.8% from 59.7% year-over-year; operating efficiency ratio was 52.8%, and reported efficiency ratio was 58.2%.
Tangible book value per share increased 5% from June 30 and 10% year-to-date, reaching $13.14.
Return on average assets was 1.66% (1.16% operating); return on average tangible common equity was 16.4% (11.7% operating).
Outlook and guidance
Margin expected to remain roughly flat in Q4, with deposit costs staying elevated due to competition; original margin expansion guidance for the combined institution remains valid.
Management expects meaningful earnings accretion from the HarborOne merger and continued focus on organic growth and profitability; no near-term plans for additional M&A.
Medium-term CET1 capital target set at approximately 12%.
Expenses projected to be flat or slightly down in Q4.
Explain the NPL and NCO increase this quarter
How will deposit competition impact future NIM?
Capital allocation post-merger, including buyback
Office loan portfolio risk management?
Future M&A strategy?
Upside to growth and profitability?
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Next Eastern Bankshares earnings date
Q4 202523 Jan, 2026
Next Eastern Bankshares earnings date
Q4 202523 Jan, 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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