{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-066914","form_type":"8-K","ticker":"EBC","cik":"0001810546","company_name":"Eastern Bankshares, Inc.","filed_at":"2026-10-22T20:40:07+00:00","discovered_at":"2026-10-22T20:41:00.247903+00:00","generated_at":"2026-10-22T20:41:08.151185+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Eastern Bankshares Q3 net income $111.0M, EPS $0.51; NPLs fall 22.5% to 0.36% of loans","bullets":["Net income and operating net income both $111.0M, or $0.51 diluted, up 6.3% from $0.48 in Q2; ROA 1.41%, ROTCE 15.7%, operating efficiency ratio 47.5%.","Net interest income $257.9M (+2.3% QoQ); NIM-FTE fell 4bp to 3.62% as deposit costs rose 8bp to 2.09%, offsetting earning-asset yields of 5.07%.","Noninterest income fell $9.2M to $48.7M on $6.3M lower retirement-benefit investment income and $3.1M less misc income after Q2 loan-sale gains.","NPLs fell $24.6M to $84.8M (0.36% of loans), third straight decline since the HarborOne merger; net charge-offs 0.09% vs 0.17%.","Loans +1.1% to $23,974M; deposits $26,017M; repurchased 2.6M shares at $22.11 avg ($56.7M); $0.15 dividend payable Dec 21, record Dec 7."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-066914","json":"https://secwatch.observer/filing/0001628280-26-066914.json","markdown":"https://secwatch.observer/filing/0001628280-26-066914.md","text":"https://secwatch.observer/filing/0001628280-26-066914.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1810546/000162828026066914/0001628280-26-066914-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1810546/000162828026066914/ebc-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:41:08.151185+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}