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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
Achieved a 62% increase in full-year operating earnings for 2025, with strong organic loan growth and record wealth assets under management at $10.1 billion.
Completed the HarborOne merger, adding $4.5 billion in loans and $4.3 billion in deposits, significantly expanding the balance sheet and presence in key markets.
Operating net income for Q4 2025 was $94.7 million, up 28% sequentially, with a return on average tangible common equity of 13.8%.
Focused on organic growth and capital return, with no plans for further acquisitions.
Robust capital return to shareholders through share repurchases and dividends.
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 diluted share).
Net interest income reached $237.4 million, up $37.2 million from Q3, with net interest margin (FTE) up 14 bps to 3.61%.
Noninterest income was $46.1 million, up $4.8 million from Q3, driven by mortgage banking and investment advisory fees.
Noninterest expense was $189.4 million, up $49 million linked quarter due to merger costs and higher operating expenses.
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 noninterest income forecasted at $190-$200 million; operating noninterest 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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