---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-003101"
form_type: "8-K"
ticker: "EBC"
cik: "0001810546"
company_name: "Eastern Bankshares, Inc."
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T08:52:32.961027+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Eastern Bankshares Q4 net income $99.5M; completes HarborOne merger, dividend $0.13

## Summary
- Q4 net income $99.5M ($0.46 diluted); operating net income $94.7M ($0.44); ROA 1.36%.
- Loans grew $4.7B linked-quarter to $23.6B, including $255M organic growth and $4.5B from HarborOne merger.
- HarborOne merger completed Nov 1, 2025; added ~$4.5B loans and $4.3B deposits at fair value.
- Dividend declared $0.13/share payable Mar 20, 2026; repurchased 3.1M shares for $55.4M in Q4.
- NPLs rose to $172.3M (0.75% of loans) primarily from acquired HarborOne loans; allowance 1.44%.

## SEC filing metadata
- accession: 0001628280-26-003101
- form_type: 8-K
- ticker: EBC
- cik: 0001810546
- company_name: Eastern Bankshares, Inc.
- filed_at: 2026-01-22T23:59:59+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/1810546/000162828026003101/0001628280-26-003101-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1810546/000162828026003101/ebc-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-003101
- JSON: https://secwatch.observer/filing/0001628280-26-003101.json
- Plain text: https://secwatch.observer/filing/0001628280-26-003101.txt

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