Eastern Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Eastern Bank is growing quickly. It reported $31.1 billion in assets at June 30, 2026, up 22.3% from a year earlier. It grew its loan book 27.3% over the year, 4.3 times the median of 6.3% for the 127 banks with $10 billion to $100 billion in assets. It also holds common equity equal to 12.07% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
Loans are outrunning deposits: over the year loans rose 27.3% and deposits rose 22.4%. The non-owner-occupied commercial real estate book ($4.2 billion) is worsening: 1.53% of it is past due or on nonaccrual, up from 0.83% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.46% of loans from 0.29% a year earlier.
As of June 30, 2026, Eastern Bank reported a CET1 capital ratio of 12.07%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 3.44%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 125 High St, Boston, MA 02110
- County
- Suffolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 19, 1989
- Offices
- 129 domestic
- Employees (FTE)
- 2,328
- Domestic deposits
- $26.15B
- Allowance for credit losses
- $325.4M
- Net charge-offs (YTD)
- $19.5M
- Average total assets
- $31.16B
- Average total loans
- $23.06B
- Average interest-bearing deposits
- $19.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 19, 1989
- FDIC Cert
- 32773
- Fed RSSD
- 128904
- SEC CIK
- 1810546 → filed by EASTERN BANKSHARES INC
- Website
- www.easternbank.com →
- Parent Holding Company
- EASTERN BANKSHARES INC (RSSD 1427239) · EBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Denis K Sheahan | CEO | Chief Executive Officer |
| Rivers Robert Francis | CHR | Executive Chair |
| Miller Quincy Lee | PRES | President |
| Rosato R David | CFO | Chief Financial Officer |
| Henry Kathleen Cloherty | GC | Executive VP, General Counsel |
| Westermann Donald Michael | CIO | Chief Information Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Eastern Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Eastern Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Eastern Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Eastern Bank: Uninsured deposits.
Banks merged into Eastern Bank
- HarborOne Bank, effective November 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.07% | 1.38% | 0.68% | 3.44% | 3.60% |
| Q1 2026 | 12.29% | 0.86% | 0.88% | 4.32% | 3.54% |
| Q4 2025 | 12.41% | 1.48% | 0.89% | 5.31% | 3.75% |
| Q3 2025 | 13.36% | 1.65% | 0.54% | 2.48% | 3.45% |
| Q2 2025 | 13.68% | 1.62% | 0.41% | 1.95% | 3.47% |
| Q1 2025 | 13.30% | -3.35% | 0.65% | 3.78% | 3.22% |
| Q4 2024 | 14.77% | 0.83% | 0.86% | 5.20% | 3.04% |
| Q3 2024 | 14.56% | -0.02% | 0.79% | 4.62% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 129 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Eastern Bank (main office) | Boston , MA | 02110 | $7.57B |
| Boston Federal Street Branch | Boston , MA | 02110 | $660.7M |
| Lynnfells Branch | Saugus , MA | 01906 | $504.8M |
| Fellsway Plaza Branch | Medford , MA | 02155 | $429.1M |
| Cambridge Trust Branch | Cambridge , MA | 02138 | $409.6M |
| Liberty Tree Branch | Danvers , MA | 01923 | $375.0M |
| Plymouth Branch | Plymouth , MA | 02360 | $369.4M |
| Vinnin Square Branch | Swampscott , MA | 01907 | $339.7M |
| Bridgewater Branch | Bridgewater , MA | 02324 | $326.8M |
| Wollaston Branch | Quincy , MA | 02170 | $300.4M |
| West Branch | Brockton , MA | 02301 | $283.4M |
| Harborone Bank Branch | Brockton , MA | 02301 | $264.8M |
| Randolph Branch | Randolph , MA | 02368 | $261.1M |
| Melrose Branch | Melrose , MA | 02176 | $259.9M |
| Highlander Branch | Salem , MA | 01970 | $255.9M |
| Lynnfield Branch | Lynnfield , MA | 01940 | $255.1M |
| Quincy Branch | Quincy , MA | 02169 | $236.2M |
| Lakeville Branch | Lakeville , MA | 02347 | $219.7M |
| Huron Village | Cambridge , MA | 02138 | $219.7M |
| Lynngate Branch | Lynn , MA | 01904 | $216.9M |
| Foster Street Peabody Branch | Peabody , MA | 01960 | $210.5M |
| Market Street Branch | Lynn , MA | 01901 | $210.5M |
| Easton Branch | North Easton , MA | 02356 | $207.2M |
| Norwell Branch | Norwell , MA | 02061 | $206.0M |
| Jamaica Plain Branch | Jamaica Plain , MA | 02130 | $204.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2025 | Structure Change | Acquired HarborOne Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2024 | Structure Change | Acquired Cambridge Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2021 | Structure Change | Acquired Century Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2014 | Structure Change | Acquired Centrix Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired The Community Bank, A Massachusetts Cooperative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 19, 2011 | Structure Change | Acquired Wainwright Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 18, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2008 | Structure Change | Acquired MassBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 12, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 12, 2007 | Structure Change | Acquired Sharon Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 28, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 28, 2005 | Structure Change | Acquired Plymouth Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 22, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 2002 | Structure Change | Acquired Eastern Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 1998 | Structure Change | Acquired The Hibernia Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 1994 | Structure Change | Acquired Saugus Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 1993 | Structure Change | Acquired First Colonial Bank for Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 1992 | Structure Change | Acquired Malden Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 15, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 25, 1992 | Structure Change | Acquired Shore Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 24, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 19, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 30, 1981 | Structure Change | Acquired First East Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 32 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Eastern Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.8% of deposits in MA, rank 5 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,794 applications, 3,969 loans originated, $1.62B originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 368 loans, $63.4M approved, $172K average. 1.90% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 35 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Eastern Bank
What are Eastern Bank's total assets?
As of the Q2 2026 filing, Eastern Bank reported total assets of $31.13 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Eastern Bank headquartered?
Eastern Bank is headquartered in Boston, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Eastern Bank founded?
Eastern Bank was established in 1989, per the FDIC institution directory.
Is Eastern Bank FDIC-insured?
Yes. Eastern Bank is an FDIC-insured commercial bank (FDIC Certificate #32773). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eastern Bank?
Eastern Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Eastern Bank's CET1 capital ratio?
Eastern Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does Eastern Bank operate?
Eastern Bank operates 129 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eastern Bank's Texas Ratio?
Eastern Bank's Texas Ratio is 3.44% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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