The bank maintains a structurally robust capital position with an equity-to-assets ratio of 0.14, though the $27.2B securities portfolio introduces significant duration risk.
| Cash & Short Term Investments | 1.81B | 385.25M | 5.03B | 5.1B | 6.86B | 9.74B | 5.24B | 1.87B | 1.72B |
| Cash & Due from Banks | 331.56M | 316.87M | 1.01B | 693.08M | 169.5M | 1.23B | 2.05B | 362.6M | 259.71M |
| Short Term Investments | 96.94M | 68.39M | 4.02B | 4.41B | 6.69B | 8.51B | 3.18B | 1.51B | 1.46B |
| Total Investments | 27.19B | 27.2B | 21.99B | 18.66B | 20.72B | 20.68B | 12.78B | 10.41B | 10.23B |
| Investments Growth % | 70.61% | 23.68% | 17.88% | -9.96% | 0.17% | 61.86% | 22.78% | 1.73% | - |
| Long-Term Investments | 99.33B | 27.13B | 17.97B | 14.25B | 14.03B | 12.17B | 9.6B | 8.9B | 8.77B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 1.29B | 1.3B | 1.05B | 566.21M | 568.01M | 649.7M | 376.53M | 377.73M | 381.28M |
| Goodwill | 1.12B | 1.12B | 914.96M | 557.63M | 557.63M | 631.5M | 369.48M | 369.03M | 369.03M |
| Intangible Assets | 172.14M | 183.78M | 135.2M | 8.57M | 10.37M | 18.21M | 7.06M | 8.7M | 12.24M |
| PP&E (Net) | 117.58M | 118.22M | 64.55M | 60.13M | 62.66M | 65.86M | 48.67M | 56.57M | 66.47M |
| Other Assets | 1.13B | 1.08B | 878.04M | 706.87M | 629.02M | 624.07M | 543.32M | 334M | 341.46M |
| Total Current Assets | 686.92M | 645.18M | 5.26B | 5.28B | 7.03B | 9.92B | 5.39B | 1.93B | 1.78B |
| Total Non-Current Assets | 29.95B | 29.94B | 20.3B | 15.85B | 15.62B | 13.59B | 10.58B | 9.7B | 9.6B |
| Total Assets | 30.63B | 30.59B | 25.56B | 21.13B | 22.65B | 23.51B | 15.96B | 11.63B | 11.38B |
| Asset Growth % | 63.05% | 19.68% | 20.94% | -6.68% | -3.68% | 47.28% | 37.28% | 2.2% | - |
| Return on Assets (ROA) | 1.32% | 0.31% | 0.51% | 1.06% | 0.87% | 0.78% | 0.16% | 1.17% | 1.08% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 689.22M | 199.62M | 45.31M | 39.72M | 726.4M | 34.28M | 28.05M | 235.4M | 320.94M |
| Net Debt | 357.65M | -117.25M | -961.57M | -653.36M | 556.89M | -1.2B | -2.03B | -127.21M | 61.23M |
| Long-Term Debt | 689.22M | 153.09M | 42.8M | 39.62M | 35.1M | 34.26M | 28.05M | 15.35M | 14.88M |
| Short-Term Debt | 0 | 46.53M | 2.52M | 95K | 691.3M | 17K | 0 | 220.05M | 306.06M |
| Other Liabilities | 552.12M | 575.93M | 608.98M | 522.49M | 474.31M | 443.19M | 352.31M | 241.84M | 224.72M |
| Total Current Liabilities | 25.11B | 25.52B | 21.29B | 17.6B | 19.67B | 19.63B | 12.16B | 9.77B | 9.71B |
| Total Non-Current Liabilities | 1.24B | 729.02M | 651.78M | 562.11M | 509.41M | 477.45M | 380.35M | 257.18M | 239.59M |
| Total Liabilities | 26.35B | 26.25B | 21.95B | 18.16B | 20.18B | 20.11B | 12.54B | 10.03B | 9.95B |
| Total Equity | 4.29B | 4.34B | 3.61B | 2.97B | 2.47B | 3.41B | 3.43B | 1.6B | 1.43B |
| Equity Growth % | 67.6% | 20.17% | 21.42% | 20.35% | -27.44% | -0.63% | 114.23% | 11.65% | - |
| Equity / Assets (Capital Ratio) | 13.99% | 14.19% | 14.13% | 14.08% | 10.91% | 14.49% | 21.47% | 13.76% | 12.6% |
| Return on Equity (ROE) | 9.21% | 2.22% | 3.63% | 8.53% | 6.8% | 4.53% | 0.9% | 8.91% | 8.56% |
| Book Value per Share | 19.19 | 20.06 | 19.83 | 18.32 | 14.92 | 19.78 | 19.95 | 7.62 | 6.82 |
| Tangible BV per Share | 13.41 | 14.05 | 14.06 | 14.83 | 11.49 | 16.00 | 17.76 | 5.82 | 5.01 |
| Common Stock | 2.32M | 2.36M | 2.14M | 1.77M | 1.76M | 1.86M | 1.87M | 0 | 0 |
| Additional Paid-in Capital | 2.55B | 2.62B | 2.24B | 1.67B | 1.65B | 1.84B | 1.85B | 0 | 0 |
| Retained Earnings | 2.1B | 2.07B | 2.08B | 2.05B | 1.88B | 1.77B | 1.67B | 1.64B | 1.51B |
| Accumulated OCI | -247.85M | -227.36M | -584.33M | -608.35M | -923.19M | -56.7M | 54.23M | -43.85M | -75.76M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE Concentration and Integration
According to recent financial statements, Eastern Bankshares has grown total assets from $21.1B in 2023Q4 to $30.6B by 2026Q1, a trajectory largely driven by inorganic expansion and the integration of Cambridge Trust rather than organic loan book growth alone.
The rapid increase in asset size suggests a management team focused on achieving scale to offset the loss of fee-based insurance income. Investors should monitor whether this expanded asset base can generate sufficient returns to justify the integration risks and the potential dilution of the bank's historical community-focused identity.
Based on reported figures, EBC maintains an equity-to-assets ratio of 0.14 as of 2026Q1, indicating a stable capital position that provides a significant cushion against potential credit deterioration within its concentrated commercial real estate and office loan portfolios.
The bank's consistent capital ratio suggests a conservative approach to leverage, which may be necessary given the inherent volatility of its regional market concentration. While this fortress-like capital structure supports stability, it may continue to exert downward pressure on return on equity if management does not deploy excess capital more aggressively.
As reported in regulatory filings, EBC’s investment securities portfolio has ballooned to $27.2B in 2026Q1, representing the vast majority of total assets and signaling a heavy reliance on liquid securities rather than traditional loan-based interest income generation.
This heavy weighting toward securities suggests that the bank is prioritizing liquidity and interest rate management over traditional commercial lending growth. Such a posture may protect the balance sheet from localized credit shocks but could also limit the bank's ability to capture higher yields if loan demand in the Boston market accelerates.
Analysis of the balance sheet composition indicates that EBC's massive securities portfolio, which reached $27.2B in 2026Q1, may create significant duration risk that is not fully captured by headline NIM figures, potentially exposing the bank to unrealized losses in a volatile rate environment.
The reliance on a large securities portfolio to drive interest income warrants further investigation into the duration of these assets relative to the bank's deposit base. If the bank's funding costs rise faster than the yields on its long-dated securities, the resulting margin compression could be more severe than current market expectations suggest.
Quick answers to the most common questions about buying EBC stock.
As of 2025, Eastern Bankshares, Inc. (EBC) had total assets of $30.59B including $645.2M in current assets.
Eastern Bankshares, Inc. (EBC) carries total debt of $199.6M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Eastern Bankshares, Inc. (EBC) has total shareholders' equity (book value) of $4.34B ($20.06 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Eastern Bankshares, Inc. (EBC) reported a current ratio of 0.03x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.