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Eastern Bank
Boston, MA·FDIC Cert #32773·Charter: STATE·Est. 19891019.0·HC: EASTERN BANKSHARES INC
Total Assets
$30.6B
Q4 2025
Return on Assets
0.39%
+0.42%Peer avg: 1.15%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.83%
Peer avg: 52.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.39%+0.42
ROE
2.88%+3.08
Efficiency
54.83%+1.15
Equity/Assets
0.00%+0.00
NPL Ratio
0.76%+0.38
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.74%+3.02
Charge-offs
0.14%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.6 | 0.4 | 0.5 | -3.4 | -0.9 | -0.0 | 0.4 |
| ROE | 5.7 | 4.8 | 3.0 | 3.9 | -25.1 | -6.5 | -0.2 | 2.9 |
| Efficiency | 64.6 | 65.8 | 68.3 | 66.0 | 54.7 | 53.2 | 53.7 | 54.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.3 | 0.7 | 0.8 | 0.6 | 0.3 | 0.4 | 0.8 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 78.1 | 78.9 | 81.9 | 81.6 | 84.4 | 84.6 | 85.7 | 88.7 |
Balance Sheet
Total Assets$30.6B
Total Deposits$25.7B
Total Loans$22.8B
Total Equity$4.1B
Profitability
ROA0.39%
ROE2.88%
Efficiency Ratio54.83%
Net Income$103.8M
Risk & Asset Quality
NPL Ratio0.76%
Charge-off Rate0.14%
Loan/Deposit88.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans