Eastern Bankshares, Inc. Reports Fourth Quarter 2025 Financial Results

About this update from Eastern Bankshares, Inc.

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(the "Company") (NASDAQ: EBC), the holding company of Eastern Bank, today announced its fourth quarter 2025 financial results.","length":204,"tagName":"p"},{"type":"text","content":" FINANCIAL HIGHLIGHTS ","length":20,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;border-top:solid black 1.0pt;border-left:solid black 1.0pt;width:44%;padding-left:5.0px;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"6","rowspan":"1","style":"vertical-align:bottom;border-top:solid black 1.0pt;border-bottom:solid black 1.0pt;padding-left:0.0px;","val":[{"type":"text","content":"As of and for three months ended","length":32,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;border-top:solid black 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merger. The merger added approximately $4.5 billion in loans, and $4.3 billion in deposits, each at fair value.","length":370,"tagName":"p"},{"type":"readMore"},{"type":"text","content":""We are pleased with our performance in 2025," said Denis Sheahan, Chief Executive Officer. "Full year results were highlighted by a 62% increase in operating net income, strong organic loan growth, and record levels of Wealth assets under management. On a full year operating basis, return on average assets of 1.21%, return on average tangible common equity of 12.7%, and the efficiency ratio of 51.7%, improved significantly from the prior year. Eastern is well-positioned for 2026 and beyond and we look forward to executing on the meaningful opportunities in front of us — driving organic growth in both our banking and fee-based businesses, returning capital to shareholders, and demonstrating the enhanced earnings power of the company to deliver top quartile financial returns. We believe this approach will create meaningful value for shareholders. Finally, I want to welcome our new colleagues from HarborOne and thank all our employees for another successful year."","length":996,"tagName":"p"},{"type":"text","content":"David Rosato, Chief Financial Officer, added, "Our fourth quarter results marked a strong finish to the year. Operating net income of $94.7 million increased 28% linked quarter and generated an operating return on average tangible common equity of 13.8%. The quarter benefited from the addition of HarborOne and solid organic loan growth. We are focused on merger integration and ensuring a smooth transition for customers and employees while capturing projected cost savings and other long-term benefits of the transaction. Importantly, we are on track to achieve the merger-related financial targets set forth at the time of our announcement last year. In addition, our commitment to returning capital was evident in the quarter. We repurchased 3.1 million shares of common stock for $55.4 million, or 26% of the share repurchase program authorized in October."","length":873,"tagName":"p"},{"type":"text","content":" NET INTEREST INCOME ","length":19,"tagName":"p"},{"type":"text","content":"Net interest income was $237.4 million, an increase of $37.2 million from the third quarter.","length":92,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net interest income included net discount accretion of $22.6 million, compared to $10.0 million in the prior quarter. Net discount accretion contributed 34 basis points to the net interest margin on an FTE basis, compared to 17 basis points in the prior quarter.","length":262,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The net interest margin on an FTE basis increased 14 basis points to 3.61%, due to higher interest-earning asset yields.","length":120,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The yield on total interest-earning assets was up 21 basis points to 5.08%, primarily due to an increase in loan yields driven by higher net discount accretion.","length":160,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The cost of total interest-bearing liabilities increased 4 basis points to 2.15% due to modestly higher deposit costs.","length":118,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":660,"olType":false},{"type":"text","content":" NONINTEREST INCOME ","length":18,"tagName":"p"},{"type":"text","content":"Noninterest income was $46.1 million, an increase of $4.8 million. The current quarter included a non-operating loss of $0.7 million, compared to non-operating income of $1.5 million in the prior quarter.","length":204,"tagName":"p"},{"type":"text","content":"Operating noninterest income was $46.7 million, an increase of $7.0 million, mostly due to the addition of HarborOne and driven primarily by the following:","length":155,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Mortgage banking income increased $2.9 million to $3.0 million.","length":63,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Card income increased $1.8 million to $5.9 million.","length":51,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Service charges on deposit accounts increased $1.4 million to $9.9 million.","length":75,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Investment advisory fees increased $1.1 million to $18.6 million due to higher Wealth assets under management.","length":110,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Interest rate swap income increased $0.5 million to $1.4 million.","length":65,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":364,"olType":false},{"type":"text","content":"These increases in operating noninterest income were partially offset by a $2.2 million decrease in income from investments held in rabbi trust accounts. This lower income was partially offset by a $0.7 million decrease in rabbi trust benefit costs reported in noninterest expense.","length":281,"tagName":"p"},{"type":"text","content":" NONINTEREST EXPENSE ","length":19,"tagName":"p"},{"type":"text","content":"Noninterest expense was $189.4 million, an increase of $49.0 million from the third quarter primarily driven by higher operating noninterest expense and merger-related costs.","length":174,"tagName":"p"},{"type":"text","content":"Non-operating noninterest expense of $33.4 million increased $30.2 million, due to $26.7 million in higher merger-related costs and a $3.5 million lease impairment.","length":164,"tagName":"p"},{"type":"text","content":"Operating noninterest expense, was $156.1 million, an increase of $18.9 million, primarily due to the addition of HarborOne and largely driven by the following:","length":160,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Salaries and employee benefits increased $7.5 million to $91.5 million.","length":71,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Amortization of intangible assets increased $2.9 million to $10.8 million.","length":74,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Technology and data processing increased $2.7 million to $22.4 million.","length":71,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Professional services increased $2.6 million to $5.6 million.","length":61,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":277,"olType":false},{"type":"text","content":" BALANCE SHEET ","length":13,"tagName":"p"},{"type":"text","content":"Total assets were $30.6 billion at December 31, 2025, an increase of $5.1 billion from September 30, 2025.","length":106,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Loans totaled $23.6 billion, an increase of $4.7 billion. The merger added $4.5 billion in loans. Excluding the merger impact, the loan portfolio grew $255 million, or 1.4%, primarily driven by continued strong commercial lending results.","length":238,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Securities were $4.4 billion, an increase of $100.4 million. Acquired securities totaling $298 million were sold following the completion of the merger.","length":152,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Cash and equivalents were $0.3 billion, a decrease of $93.5 million.","length":68,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":458,"olType":false},{"type":"text","content":"Deposits totaled $25.5 billion, an increase of $4.4 billion. The merger added $4.3 billion in deposits. Excluding the merger impact, deposits increased by $20 million, or less than 1%.","length":184,"tagName":"p"},{"type":"text","content":"Book value per share and tangible book value per share ended the quarter at $18.42 and $12.90, respectively.","length":108,"tagName":"p"},{"type":"text","content":"Please refer to Appendix D for a roll-forward of tangible shareholders’ equity.","length":79,"tagName":"p"},{"type":"text","content":" ASSET QUALITY ","length":13,"tagName":"p"},{"type":"text","content":"Non-performing loans ("NPLs") totaled $172.3 million, or 0.75% of total loans, compared to $69.2 million, or 0.37% of total loans, at September 30, 2025. The increase in NPLs was due primarily to loans acquired from HarborOne that were thoroughly assessed and adequately reserved.","length":290,"tagName":"p"},{"type":"text","content":"Total net charge-offs were $9.8 million, or 0.18% of average total loans, compared to $6.2 million, or 0.13% in the prior quarter.","length":130,"tagName":"p"},{"type":"text","content":"Provision for loan losses totaled $4.9 million compared to $7.1 million in the prior quarter.","length":93,"tagName":"p"},{"type":"text","content":"The allowance for loan losses was $331.8 million at December 31, 2025, or 1.44% of total loans, compared to $233.0 million, or 1.26% of total loans, at September 30, 2025.","length":171,"tagName":"p"},{"type":"text","content":" DIVIDENDS AND SHARE REPURCHASES ","length":31,"tagName":"p"},{"type":"text","content":"The Company’s Boa...

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