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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.
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. 
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