BlastPoint's Banking Scorecard
Eastern Bank
Boston, MA
142 branches across MA · RI · NH
Eastern Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25.0% in tier
- - Cost Spiral: Bottom 57.1% in tier
- - ROA 0.41% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.6B
+22.6% YoY
+0.1% QoQ
|
-$16.3B |
$47.0B
-1.9% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$22.6B
+27.8% YoY
-0.7% QoQ
|
-$6.7B |
$29.4B
-0.4% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$25.3B
+20.7% YoY
-1.4% QoQ
|
-$13.1B |
$38.4B
-1.6% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
0.87%
+125.5% YoY
+120.6% QoQ
|
-0.41% |
1.28%
+18.7% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.57%
+6.9% YoY
+2.1% QoQ
|
-0.20% |
3.77%
+5.8% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
64.50%
+17.9% YoY
+17.6% QoQ
|
+10.50% |
54.01%
-3.7% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.61%
+8.6% YoY
-19.6% QoQ
|
-0.41% |
1.02%
-3.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
89.37%
+5.9% YoY
+0.7% QoQ
|
+8.59% |
80.79%
+1.9% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
26.88%
-8.3% YoY
+5.5% QoQ
|
+6.84% |
20.04%
+0.2% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.45%
+13.2% YoY
-20.2% QoQ
|
-0.27% |
0.72%
+4.2% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.29%
-7.6% YoY
-1.0% QoQ
|
-3.23% |
15.51%
-0.4% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.14%
+3.8% YoY
-74.3% QoQ
|
-0.08% |
0.22%
+0.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.