# EASTERN BANK
BOSTON, MA · FDIC certificate 32773 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $31.13B | |
| Deposits | $26.15B | |
| Loans and leases | $23.32B | |
| Total equity | $4.05B | |
| Loans / deposits | 87.97% (p59 of band) | 85.78% |
| Liquid assets / assets | 16.26% (p21 of band) | |
| Uninsured deposits / deposits | 41.56% (p61 of band) | 38.39% |
| Brokered deposits | 0.36% | |
| Wholesale funding | 1.65% (p14 of band) | |
| FHLB advances / assets | 1.17% | |
| Tier 1 leverage | 10.15% (p49 of band) | 10.17% |
| Unrealized securities loss / equity | -9.29% (p39 of band) | -7.43% |
| AOCI / equity | -0.75% (p25 of band) | |
| ROA (annualized) | 1.13% (p38 of band) | 1.24% |
| Net interest margin | 3.60% (p52 of band) | 3.57% |
| Efficiency ratio | 56.83% (p62 of band) | |
| Noncurrent loans | 0.47% (p28 of band) | 0.66% |
| Net charge-offs (annualized) | 0.13% (p64 of band) | |
| Reserve coverage of noncurrent | 297.45% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 12.75% (p29 of band) | |
| Auto loans | $5.3M (0.02% of loans; DQ 0.64%, NCO 0.00%) | |
| Loans to nondepository financials | $669.2M (17% of equity) (p65 of band) | |
| Deposits YoY | 22.4% | |
| Employees | 2328 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 0 |  | expense ratio p90 |
| 2016-12 | 1 | expense ratio p90 |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | expense ratio p90 |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | expense ratio p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 2 | expense ratio p90 |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | uninsured deposits >50%, expense ratio p90 |  |
| 2022-03 | 3 | NIM <2.5% | expense ratio p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | capital falling | uninsured deposits >50% |
| 2023-03 | 4 | losing money, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking | capital falling |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 | assets shrinking | securities losses >30% of equity, losing money, uninsured deposits leaving |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | losing money |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | capital falling | losing money |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-23 [Paul Davis Joins Eastern Bank As Senior Vice President, Commercial Real Estate Relationship Manager - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQTlJvbnJLYjRhWjlZTDcyX1JVU19sd1ctUER4LVVYaG04d1Z2eWtMSFpjZVBncklqLXRIbHk3NWIwalNudFMyaXZ6VEZ0amItT0hEbnI3el8zQ3o1UDd0bzY5b1RIRXdpcExGTFJXcXdPQTlCNlJEN05JMmVPV0syWjBJOEpnNWtTRUZVTWNqdk9OQklRQnBMRHdIc1M2c2k4VnFvUWlfSEdaQ3VEUllVMWI2cXNvNnE3bXVibHlKQnh3bUJ4ZC13NlY2cWZHTUNIYVVVSldSb0J0Tmx3OHNBY0tvSkhHUFgtY1pN?oc=5) · Business Wire
- 2026-05-08 [Eastern Bank's Bob Rivers: Why we continue to embrace hybrid work - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOMUY1ZlJsZVVxYXdhVHN2NkpUUEdhTktLU1owTnp5QWQzMm1NRjYwTjNyT3JOalNBMkVBU2ZwNHJyNFRQX2dHR2ZpNkN2MV9sRVFfQUZVcG5zaWVuWnd4c2ROMGNLVC1SeEpQU2RaY2FsLVdFRWUzaEFvQ1hwTDZiMWFxcG1yNWZHSFNZSGVWZ21aVFc5RUFGYTBBNmhQdkxQMG0way1Md0swZw?oc=5) · The Business Journals
- 2026-01-26 [Eastern Bank eschews M&A in face of investor complaint - Banking Dive](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNHNjVUpUSVhmNGZHbzRYYUF1cE01djQ3M0NMRGx6VkZnZWJJZFRpYVdVbzdhU3Q1aVZ4bnFpTzQ2bGVndHBvSXc4NjNIc3ZrYm10aElDTzdJMk5MMVdIVjQ1cl9wMVh5M2xfemtXcVdCYkk5R21hVjdkVFRIQjU1T0M0cFc1Q3NXLUxCdElScXJWYm5q?oc=5) · Banking Dive
- 2026-08-06 [Eastern Bank (Boston, Massachusetts) Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVzJmNTRJUHJtb25idzNncDRZaW1hejREcVJCOFdiZ0xXRnZreGJPWWpvcG5sQ3NRMHJIUEVkTVhHenZPYXZPUzJUVlNXbXdTUi1ydUpya054SldodTQtMEthMGJCRVZvRW9Ba1B5V05zcnhETU95dk52VWh0bzhyZXFHNmxEZmU5?oc=5) · reveliolabs.com
- 2026-04-02 [WILD PHOTOS: Truck crashes through Eastern Bank building in Everett - NBC Boston](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZ055MU13WVc3OGpfX0haRV9RNTdwMkVxUEE3ZjZTLTZXalJPQWZjRFBKV2RZcGxqTGF2RHNDbV9nQjgydjJRWnlfMUJIUV92TDdwVjFiSW91dUxnSjdIcXBFdU1FMUFMa3NnTTNZbTg1UXozQ05ER0V4SmNLQWFkVktsYl9scHd5V2V2WTlVaHg0aXZkYU8ycjV6WUhqMDNURnfSAaoBQVVfeXFMTnh5Y0FmeFhhOGdFSWJhQm5nTl9PajRTMXVfWERJVVViV2ZoUUtHZkFXam1GU01fR3JJVHNfYjRKQlpfWnc5Njc2Z3g2cmdWMEMzdTljOEZYdGlwV0thWXpTWEhxeGhMNlQtbEtoQVJPaVBYUFhDM2UyZzlWRnNHOWV5OVpjY0lIbXRRZDFhVjlndjlFaU9taUpmM3ljRTZPNDZ3YTFSTmh2NWc?oc=5) · NBC Boston
- 2026-05-11 [Eastern Bank appoints Yongmei Chen to lead Community Development Lending Group - Providence Business News](https://news.google.com/rss/articles/CBMimwFBVV95cUxPU3Jndm0ybVQ3TkwydVpYU3NOTWpNLU12d2poOTFvaTdMVE9FYUE1S0wwdGJLbnFJc1ZTM2RUYmRvUkUxMDJQSHhoVzh4dDRESkk2QVczckY1V0N1N2lVZXRuTWZZWFcxU0hGS25CNVNYNW9ELVU4MHBGZ2hGSFd0Qy1BbzhCcVBlZU0tLU9UN2tMRGQ2UGxSU3RkZ9IBowFBVV95cUxNMGJKSV9jSHBqS3AzYkU1U3FCS0dzVUtBVmhmUFIteDRUdDVfTGFDS1owdms4b2dlTENBTGxjaXlUTDNiTWRnaEtETDRCS2FxV3BPck1wYmZNTzFia2Qyc3RaTXBaZHFpNC1QXzVCSURqSmhpMWpuUFp6V201ck1nUklqdnJkMERsZlJsWVNPNUxXYmZkZ29XdXhEQl9vQnM4aWFJ?oc=5) · Providence Business News
- 2026-06-04 [Eastern Bank Provides $39M Bridge Loan for Worcester, Mass., 55-Plus Community - Commercial Observer](https://news.google.com/rss/articles/CBMihAFBVV95cUxNYV9wSDdYM1pPVlMta293N1RYV3RrbVktajBZZHB5SHBCQmJIRDgwdHNKeDUzc1NUYkxVcFdaWFhQdV9Zb0d6Q1VTLVV3VzNMYVRKRHJLQ3RQMU9qZWROR3NFeUQ5UlF5WW9aYW9PS2h6WjlaUjQ3MzNkVWJYYmwyZkIwMnQ?oc=5) · Commercial Observer
- 2026-04-02 [Truck crashes through Everett bank - WCVB](https://news.google.com/rss/articles/CBMijwFBVV95cUxOYjlESUFFSFlKRmVvY1lvRGt5LXduUExCMUx3eHBNR1F4eU9FYnY4d0JJM1ppMHgxQjFac2FlaGludGw1Z1BoZWl0aWljLTF0S3ViemJJSWdBRzFFcFlPZVFjVUNwdmtEYUY2ejFrb0pHNjFFWFQtR1lyMXROcWp5VkMxdjFrcnp6d2JTLXBLaw?oc=5) · WCVB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32773 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "32773", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide