BlastPoint's Banking Scorecard
Eastern Bank
Boston, MA
131 branches across MA · NH · RI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in MA.
- Deposits +22.4% year over year ($26.1B on the books).
- Delinquency rate 0.48%.
- Return on assets 1.13%.
- Efficiency ratio 56.83% vs a 53.67% peer average.
- Loan-to-deposit ratio 87.97% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Eastern Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.32% below tier average
- - Efficiency Ratio 3.16% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.1B
+22.3% YoY
+1.7% QoQ
|
-$12.5B |
$43.6B
-13.8% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$23.0B
+27.2% YoY
+1.7% QoQ
|
-$5.0B |
$28.0B
-8.6% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$26.1B
+22.4% YoY
+3.3% QoQ
|
-$9.3B |
$35.4B
-14.0% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
1.13%
+228.5% YoY
+30.5% QoQ
|
-0.26% |
1.39%
+25.9% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.60%
+4.5% YoY
+0.9% QoQ
|
-0.32% |
3.92%
+8.9% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
56.83%
+6.9% YoY
-11.9% QoQ
|
+3.16% |
53.67%
-1.9% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.48%
+57.2% YoY
-21.9% QoQ
|
-0.54% |
1.01%
-2.8% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
87.97%
+3.9% YoY
-1.6% QoQ
|
+5.36% |
82.61%
+3.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
25.88%
-9.2% YoY
-3.7% QoQ
|
+5.30% |
20.58%
+4.9% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.35%
+63.5% YoY
-21.8% QoQ
|
-0.38% |
0.73%
+5.8% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
12.07%
-11.8% YoY
-1.8% QoQ
|
-3.28% |
15.35%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.34%
+8.3% YoY
+137.7% QoQ
|
-0.16% |
0.50%
+10.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.9%
-2.6pp YoY -1.0pp QoQ |
+4.8pp | 21.0% | 16.2% | 22.2% | 65% |
| Brokered Deposits |
0.4%
+0.4pp QoQ |
-8.8pp | 9.2% | 6.1% | 8.5% | 14% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.6%
+1.1pp YoY +0.9pp QoQ |
-2.6pp | 17.2% | 6.5% | 12.5% | 46% |
| CRE |
43.2%
0.0pp YoY -0.9pp QoQ |
+1.2pp | 42.0% | 40.3% | 41.4% | 49% |
| 1-4 Family |
31.7%
+0.8pp YoY -0.2pp QoQ |
+8.6pp | 23.1% | 52.4% | 31.3% | 80% |
| Consumer |
0.9%
-0.3pp YoY 0.0pp QoQ |
-12.0pp | 12.9% | 1.6% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
-1.6pp YoY -0.2pp QoQ |
-3.2pp | 15.3% | 16.6% | 19.7% | 24% |
| Leverage Ratio |
10.2%
-1.3pp YoY -0.1pp QoQ |
-0.3pp | 10.4% | 11.5% | 12.6% | 50% |
| Total Capital Ratio |
13.1%
-1.7pp YoY -0.2pp QoQ |
-3.4pp | 16.5% | 17.5% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2,328
+337 (+16.9%) YoY +22 (+1.0%) QoQ |
-930 | 3,258 | 755 | 482 | 59% |
| Assets per Employee ($) |
$13.4M
+4.6% YoY +0.7% QoQ |
-$13.7M | $27.0M | $10.7M | $8.8M | 56% |
| Branch Count |
134
+23 (+20.7%) YoY 0 QoQ |
-4 | 137 | 13 | 18 | 64% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.4% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.7% | 0.8% | 1.0% | 34% |
| Allowance Coverage |
2.97x
-29.9% YoY +24.9% QoQ |
+0.16x | 2.81x | 7.95x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.4% | 0.1% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.5%
+15.0pp YoY +2.1pp QoQ |
-4.1pp | 12.6% | 5.6% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.4%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 2.0% | 2.0% | 1.7% | 22% |
| Net Income ($, YTD) |
$174.1M
+256.1% YoY — QoQ |
-$122.7M | $296.8M | $31.7M | $40.4M | 52% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.