---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-035941"
form_type: "8-K"
ticker: "EBC"
cik: "0001810546"
company_name: "Eastern Bankshares, Inc."
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:30:37.011113+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Eastern Bankshares Q2 GAAP EPS $0.50, operating EPS $0.41; NIM expands 21bp to 3.59%

## Summary
- GAAP net income $100.2M ($0.50 diluted EPS); operating net income $81.7M ($0.41 diluted EPS).
- Net interest margin (FTE) expanded 21bp to 3.59% on higher asset yields; deposit costs stable at 2.04%.
- Period-end loans grew 8% annualized linked-quarter to $18.6B; deposits rose 2% to $21.2B.
- Non-performing loans fell to $54.7M (0.30% of loans) from $91.6M (0.51%) linked quarter; no net charge-offs.
- Board declared $0.13/share quarterly dividend payable Sept 15, 2025; repurchased 183K shares at $16.36 avg.

## SEC filing metadata
- accession: 0001628280-25-035941
- form_type: 8-K
- ticker: EBC
- cik: 0001810546
- company_name: Eastern Bankshares, Inc.
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1810546/000162828025035941/0001628280-25-035941-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1810546/000162828025035941/ebc-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035941
- JSON: https://secwatch.observer/filing/0001628280-25-035941.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035941.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.