Eastern Bankshares Inc. reported its financial results for the fourth quarter (Q4) of 2025. Net income for the period was USD 99.5 million. Operating net income increased by 28% quarter-on-quarter. Net interest income reached USD 237.4 million, while noninterest income totaled USD 46.1 million. Total revenue for Q4 2025 was USD 283.5 million. The net interest margin for the quarter was 3.61%. Total deposit cost stood at 1.59%. Diluted earnings per share $(EPS)$ was USD 0.46, and diluted operating EPS was USD 0.44. The allowance for loan losses was USD 332 million, representing 1.44% of total loans at year-end. Investment advisory fees increased by 6.2% as Wealth assets reached a record high of USD 10.1 billion, including USD 9.6 billion of assets under management. Period-end loans increased by USD 4.7 billion, primarily due to the addition of USD 4.5 billion of HarborOne loans. Excluding the merger impact, loans increased by 1.4% quarter-on-quarter. Full year organic loan growth was USD 1.0 billion, or 5.6%, mainly driven by an increase in Commercial loans.

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