Eastern Bankshares, Inc. (EBC): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens entwickelt sich Eastern Bankshares, Inc. (EBC) zu einem strategischen Kraftpaket, das traditionelle Finanzdienstleistungen nahtlos mit modernster digitaler Innovation verbindet. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, das das Engagement der Gemeinschaft, den technologischen Fortschritt und personalisierte Bankerlebnisse in den Vordergrund stellt, hat sich EBC als transformative Kraft im Finanzökosystem von Massachusetts positioniert. Dieses umfassende Business Model Canvas enthüllt die komplizierten Mechanismen, die den Erfolg der Bank vorantreiben, und offenbart einen differenzierten Ansatz zur Erfüllung der unterschiedlichen Finanzbedürfnisse lokaler Unternehmen und Privatkunden gleichermaßen.

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianz mit Finanztechnologieunternehmen

Eastern Bankshares unterhält strategische Partnerschaften mit folgenden Fintech-Unternehmen:

Fintech-Partner	Partnerschaftsfokus	Gründungsjahr
Q2-Bestände	Integration einer digitalen Banking-Plattform	2022
Kariert	Kontoverifizierung und Datenkonnektivität	2021

Zusammenarbeit mit lokalen Unternehmen und Gemeinschaftsorganisationen

Eastern Bankshares hat Partnerschaften mit lokalen Unternehmen aufgebaut:

• Massachusetts Small Business Development Center
• Handelskammer des Großraums Boston
• Lokale Wirtschaftsentwicklungsräte in Massachusetts

Partnerschaft mit Anbietern digitaler Bankdienstleistungen

Digitaler Dienstleister	Servicetyp	Implementierungsdatum
Fiserv	Kernbankentechnologie	2020
Salesforce	Kundenbeziehungsmanagement	2022

Beziehung zu Beratern für regulatorische Compliance und Risikomanagement

Zu den wichtigsten Compliance- und Risikomanagement-Partnerschaften gehören:

• AML/BSA-Compliance-Beratung mit Deloitte
• Risikobewertung der Cybersicherheit mit KPMG
• Regulatorische Meldedienste mit Ernst & Jung

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete die Eastern Bank ein Gesamtvermögen von 21,7 Milliarden US-Dollar und Gesamteinlagen von 17,2 Milliarden US-Dollar. Die Bank betreibt 125 Einzelhandelsfilialen in Massachusetts und New Hampshire.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	8,4 Milliarden US-Dollar
Persönliche Girokonten	247.000 Konten
Banking für kleine Unternehmen	Ausstehende Kredite in Höhe von 3,6 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Die Eastern Bank investierte im Jahr 2023 12,5 Millionen US-Dollar in die Modernisierung der digitalen Infrastruktur.

• Downloads von Mobile-Banking-Apps: 185.000
• Online-Banking-Nutzer: 412.000
• Digitales Transaktionsvolumen: 2,3 Milliarden US-Dollar jährlich

Vermögensverwaltung und Investmentdienstleistungen

Anlagekategorie	Gesamtes verwaltetes Vermögen
Vermögensverwaltung	4,2 Milliarden US-Dollar
Ruhestandsplanung	1,8 Milliarden US-Dollar

Kreditvergabe und Bonitätsprüfung

Im Jahr 2023 bearbeitete die Eastern Bank 18.750 Kreditanträge mit einer Genehmigungsquote von 72 %.

• Vergebene Hypothekendarlehen: 1,6 Milliarden US-Dollar
• Gewerbliche Kreditgenehmigungen: 1.250 Kredite
• Durchschnittliche Kreditbearbeitungszeit: 15 Werktage

Kundenbeziehungsmanagement

Kundenbindungsrate im Jahr 2023: 87,4 %

CRM-Metrik	Leistung
Kundenzufriedenheitswert	4.6/5
Reaktionszeit des Kundendienstes	Durchschnittlich 2,3 Stunden

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Massachusetts

Im vierten Quartal 2023 betreibt Eastern Bankshares insgesamt 121 Filialen in ganz Massachusetts. Die Gesamtaktiva belaufen sich auf 20,4 Milliarden US-Dollar. Die Einlagen erreichten 16,4 Milliarden US-Dollar. Geografische Konzentration hauptsächlich in den Ballungsräumen im Osten von Massachusetts.

Filialnetzwerkmetriken	Menge
Gesamtzahl der Filialen	121
Insgesamt Geldautomaten	178
Landkreise bedient	11

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Die Technologieinvestitionen im Jahr 2023 beliefen sich auf insgesamt 42,3 Millionen US-Dollar. Die digitale Banking-Plattform unterstützt:

• Mobile-Banking-Anwendung
• Online-Transaktionsfunktionen
• Kontoverwaltung in Echtzeit
• Digitale Zahlungssysteme

Erfahrene Management- und Finanzexpertise

Führungsteam mit durchschnittlicher Bankerfahrung von 22 Jahren. Die Vergütung der Führungskräfte für 2023 belief sich auf insgesamt 12,7 Millionen US-Dollar.

Managementkennzahlen	Details
Gesamtzahl der Mitarbeiter	2,103
Durchschnittliche Managementerfahrung	22 Jahre
Größe des Führungsteams	8 Mitglieder

Robuste Kundendatenbank

Gesamtkundenstamm: 525.000, Stand Dezember 2023. Die demografische Aufschlüsselung umfasst:

• Privatbankkunden: 342.000
• Geschäftsbankkunden: 83.000
• Vermögensverwaltungskunden: 100.000

Diversifiziertes Finanzproduktportfolio

Produktangebote, die Umsatz über mehrere Segmente hinweg generieren:

Produktkategorie	Jahresumsatz
Kommerzielle Kreditvergabe	287,6 Millionen US-Dollar
Verbraucherkredite	214,3 Millionen US-Dollar
Hypothekendarlehen	176,9 Millionen US-Dollar
Wertpapierdienstleistungen	95,4 Millionen US-Dollar

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen und Privatpersonen

Im vierten Quartal 2023 bot Eastern Bankshares, Inc. personalisierte Banklösungen mit einem gesamten gewerblichen Kreditportfolio von 10,9 Milliarden US-Dollar und einem gesamten Verbraucherkreditportfolio von 3,8 Milliarden US-Dollar an.

Kreditkategorie	Gesamtwert
Gewerbliche Kredite	10,9 Milliarden US-Dollar
Verbraucherkredite	3,8 Milliarden US-Dollar

Bequemes digitales Banking-Erlebnis

Die Eastern Bank meldete im Jahr 2023 437.000 aktive Digital-Banking-Nutzer Mobile-Banking-Transaktionen steigen um 22 % Jahr für Jahr.

• Downloads von Mobile-Banking-Apps: 127.000
• Online-Banking-Penetration: 68 % des Kundenstamms
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkt	Zinssatz
Persönliches Sparkonto	3.75%
Geschäftsprüfung	4.25%
CD-Preise (12 Monate)	5.10%

Starker, gemeinschaftsorientierter Bankansatz

Im Jahr 2023 stellte Eastern Bankshares 42,5 Millionen US-Dollar für die Gemeindeentwicklung und lokale Unternehmensförderungsprogramme bereit.

• Kredite für Kleinunternehmen: 675 Millionen US-Dollar
• Community-Reinvestitionsinitiativen: 37 lokale Projekte
• Lokale gemeinnützige Unterstützung: Zuschüsse in Höhe von 8,3 Millionen US-Dollar

Umfassende Vermögensverwaltungsdienstleistungen

Die Vermögensverwaltungsabteilung der Eastern Bank verwaltete im Dezember 2023 Vermögenswerte in Höhe von 6,2 Milliarden US-Dollar.

Segment Vermögensverwaltung	Gesamtvermögen
Verwaltete Anlageportfolios	4,7 Milliarden US-Dollar
Ruhestandsplanungsdienste	1,5 Milliarden US-Dollar

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Die Eastern Bank bietet über ihre 120 Filialen in Massachusetts und New Hampshire personalisierten Kundenservice. Im vierten Quartal 2023 unterhielt die Bank 1.245.000 aktive Kundenkonten.

Servicekanal	Kundeninteraktionsmetrik
Support in der Filiale	Durchschnittlich 15.000 Kundeninteraktionen pro Monat
Telefonsupport	92 % Lösungsrate beim ersten Anruf
Persönliche Bankbeziehungsmanager	387 engagierte Kundenbetreuer

Unterstützung für digitales und mobiles Banking

Die Digital-Banking-Plattform der Eastern Bank bedient ab 2023 678.000 aktive Digital-Banking-Nutzer.

• Downloads von Mobile-Banking-Apps: 425.000
• Online-Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen
• Bewertung der Zufriedenheit mit dem digitalen Banking: 4,6/5

Beziehungsbasiertes Bankmodell

Die Eastern Bank konzentriert sich auf langfristige Kundenbeziehungen mit einer durchschnittlichen Kundenbindungsrate von 87 % im Jahr 2023.

Kundensegment	Durchschnittliche Beziehungsdauer
Persönliches Banking	8,3 Jahre
Geschäftsbanking	6,7 Jahre

Community-Engagement-Initiativen

Die Eastern Bank investierte im Jahr 2023 4,2 Millionen US-Dollar in Gemeindeentwicklungsprogramme.

• Lokale gemeinnützige Partnerschaften: 127
• Sponsoring von Gemeinschaftsveranstaltungen: 84
• Freiwillige Stunden der Mitarbeiter: 12.500

Regelmäßige Finanzberatungsdienste

Die Eastern Bank bietet umfassende Finanzberatungsdienste über mehrere Kanäle an.

Beratungsdiensttyp	Jährliches Kundenvolumen
Vermögensverwaltungsberatungen	22.500 Kunden
Sitzungen zur Ruhestandsplanung	15.300 Beratungen
Finanzplanung für kleine Unternehmen	8.700 Geschäftskunden

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Kanäle

Online-Banking-Plattform

Die digitale Plattform der Eastern Bank bedient im vierten Quartal 2023 1,2 Millionen aktive Online-Banking-Nutzer. Die Plattform verarbeitet etwa 3,5 Millionen monatliche digitale Transaktionen mit einer Verfügbarkeitszuverlässigkeit von 99,8 %.

Digitale Kanalmetrik	Leistung 2023
Aktive Online-Benutzer	1,200,000
Monatliche digitale Transaktionen	3,500,000
Plattformverfügbarkeit	99.8%

Mobile-Banking-Anwendung

Die mobile App der Eastern Bank wurde 750.000 Mal heruntergeladen und erhielt eine Benutzerbewertung von 4,6/5. Die App unterstützt Echtzeit-Transaktionsüberwachung, mobile Scheckeinzahlungen und Peer-to-Peer-Zahlungen.

• Gesamtzahl der Downloads mobiler Apps: 750.000
• Benutzerbewertung der mobilen App: 4,6/5
• Unterstützte Funktionen: Echtzeitüberwachung, mobile Scheckeinzahlung, P2P-Zahlungen

Physisches Filialnetz

Eastern Bankshares betreibt seit Dezember 2023 538 physische Filialen in Massachusetts und Rhode Island.

Filialverteilung	Anzahl der Standorte
Gesamtzahl der Filialen	538
Niederlassungen in Massachusetts	510
Zweigstellen in Rhode Island	28

Geldautomatendienste

Die Eastern Bank bietet Zugang zu 685 Geldautomatenstandorten, davon 412 im eigenen Besitz und 273 über Partnernetzwerke.

ATM-Netzwerk	Gesamtzahl der Standorte
Insgesamt Geldautomaten	685
Bankeigene Geldautomaten	412
Geldautomaten des Partnernetzwerks	273

Kundendienst-Callcenter

Die Eastern Bank betreibt drei Kundenservice-Callcenter, die monatlich etwa 250.000 Kundeninteraktionen abwickeln, mit einer durchschnittlichen Reaktionszeit von 2,5 Minuten.

• Anzahl der Callcenter: 3
• Monatliche Kundeninteraktionen: 250.000
• Durchschnittliche Reaktionszeit: 2,5 Minuten

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut die Eastern Bank etwa 2.500 kleine und mittlere Unternehmen in Massachusetts. Gesamtes kommerzielles Kreditportfolio für KMU: 3,2 Milliarden US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,200	$750,000
Professionelle Dienstleistungen	850	1,1 Millionen US-Dollar
Technologieunternehmen	450	1,5 Millionen Dollar

Einheimische Einwohner von Massachusetts

Kundenstamm in Massachusetts: 535.000 Einzelkontoinhaber. Geografische Abdeckung: 124 Filialen im ganzen Bundesstaat.

• Mittleres Haushaltseinkommen der Kunden: 89.500 $
• Durchschnittlicher Kontostand: 42.300 $
• Digital-Banking-Nutzer: 68 % des Kundenstamms

Privatkunden im Privatkundengeschäft

Gesamtkundenzahl im Privatkundengeschäft: 385.000. Persönliche Girokonten: 265.000.

Kontotyp	Anzahl der Konten	Durchschnittlicher Kontostand
Girokonten	265,000	$22,500
Sparkonten	215,000	$35,700
Geldmarktkonten	95,000	$58,200

Vermögende Privatpersonen

Vermögensverwaltungskunden: 12.500. Verwaltetes Gesamtvermögen: 4,3 Milliarden US-Dollar.

• Durchschnittliches Nettovermögen des Kunden: 3,2 Millionen US-Dollar
• Mindestinvestitionsschwelle: 500.000 $
• Einnahmen aus Vermögensverwaltungsgebühren: 42,5 Millionen US-Dollar im Jahr 2023

Geschäftsbankkunden

Gesamtzahl der Geschäftsbankkunden: 1.850. Gewerbliches Kreditportfolio: 8,7 Milliarden US-Dollar.

Industriesektor	Anzahl der Kunden	Gesamtkreditwert
Immobilien	650	3,2 Milliarden US-Dollar
Gesundheitswesen	350	1,9 Milliarden US-Dollar
Herstellung	250	1,5 Milliarden US-Dollar
Technologie	200	1,1 Milliarden US-Dollar

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

Für das Geschäftsjahr 2023 meldete Eastern Bankshares Technologie- und Ausrüstungskosten in Höhe von 46,1 Millionen US-Dollar. Die gesamten Investitionen der Bank in die Technologieinfrastruktur umfassen:

Kategorie	Jährliche Kosten
IT-Infrastruktur	22,3 Millionen US-Dollar
Cybersicherheitssysteme	12,7 Millionen US-Dollar
Digitale Banking-Plattformen	11,1 Millionen US-Dollar

Betriebskosten der Filiale

Eastern Bankshares betreibt 245 Filialen in ganz Massachusetts, wobei sich die jährlichen filialbezogenen Ausgaben im Jahr 2023 auf insgesamt 87,3 Millionen US-Dollar belaufen.

• Wohnkosten: 38,2 Millionen US-Dollar
• Versorgungs- und Wartungskosten: 24,5 Millionen US-Dollar
• Betriebsmittel der Zweigstelle: 14,6 Millionen US-Dollar
• Technologieinfrastruktur der Zweigstelle: 10 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 291,4 Millionen US-Dollar und teilte sich wie folgt auf:

Vergütungskategorie	Betrag
Grundgehälter	198,6 Millionen US-Dollar
Leistungsprämien	42,3 Millionen US-Dollar
Gesundheits- und Altersvorsorgeleistungen	50,5 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für Eastern Bankshares beliefen sich im Jahr 2023 auf 35,7 Millionen US-Dollar, darunter:

• Rechtliche und behördliche Berichterstattung: 15,2 Millionen US-Dollar
• Gehälter des Compliance-Personals: 12,5 Millionen US-Dollar
• Compliance-Technologiesysteme: 8 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 18,6 Millionen US-Dollar und verteilten sich auf verschiedene Kanäle:

Marketingkanal	Ausgaben
Digitales Marketing	7,4 Millionen US-Dollar
Traditionelle Medienwerbung	6,2 Millionen US-Dollar
Gemeinschaftspatenschaften	3,1 Millionen US-Dollar
Kundengewinnungsprogramme	1,9 Millionen US-Dollar

Eastern Bankshares, Inc. (EBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 berichtete Eastern Bankshares 510,2 Millionen US-Dollar an den gesamten Zinserträgen. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamter ausstehender Saldo
Gewerbeimmobilien	7,8 Milliarden US-Dollar
Kommerziell & Industriekredite	3,2 Milliarden US-Dollar
Hypothekendarlehen für Wohnimmobilien	4,5 Milliarden US-Dollar
Verbraucherkredite	1,1 Milliarden US-Dollar

Kostenpflichtige Dienste

Die Umsätze aus kostenpflichtigen Dienstleistungen für das Jahr 2023 betragen insgesamt 187,6 Millionen US-Dollar, mit den folgenden Schlüsselsegmenten:

• Servicegebühren für Einlagenkonten: 42,3 Millionen US-Dollar
• Interchange-Einnahmen: 55,4 Millionen US-Dollar
• Sonstige Servicegebühren: 89,9 Millionen US-Dollar

Anlage- und Vermögensverwaltungsgebühren

Eastern Bankshares generiert 76,5 Millionen US-Dollar bei den Vermögensverwaltungs- und Anlageberatungsgebühren im Jahr 2023, wobei das verwaltete Vermögen erreicht wird 4,2 Milliarden US-Dollar.

Einnahmen aus digitalen Banktransaktionen

Die Einnahmen aus digitalen Banktransaktionen für 2023 beliefen sich auf 34,2 Millionen US-Dollar, was einer Steigerung von 12,7 % gegenüber dem Vorjahr entspricht. Zu den wichtigsten Kennzahlen gehören:

Digital-Banking-Metrik	Wert 2023
Online-Banking-Benutzer	268,000
Mobile-Banking-Benutzer	223,000
Digitales Transaktionsvolumen	42,6 Millionen Transaktionen

Gebühren für Geschäftsbankdienstleistungen

Die Gebühren für Geschäftsbankdienstleistungen sind im Jahr 2023 erreicht 93,7 Millionen US-Dollar, mit folgender Verteilung:

• Treasury-Management-Dienstleistungen: 52,4 Millionen US-Dollar
• Firmengebühren: 28,6 Millionen US-Dollar
• Internationale Bankgebühren: 12,7 Millionen US-Dollar

Eastern Bankshares, Inc. (EBC) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose Eastern Bankshares, Inc. (EBC) over the competition, especially now that the HarborOne integration is complete. The value proposition centers on being a full-spectrum provider with a distinct community focus, all backed by a solid financial footing.

Full-service banking for consumers and businesses of all sizes

Eastern Bankshares, Inc. offers comprehensive banking and wealth management solutions. This means you can handle your personal checking account, secure a commercial loan, and manage complex trust needs all under one roof. Before the recent merger, Eastern Bank already had approximately 110 branch locations serving communities across eastern Massachusetts, southern and coastal New Hampshire, Rhode Island, and Connecticut. The bank is a top SBA lender, having been the No. 1 SBA 7(a) lender in Massachusetts for the 16th consecutive year, producing 305 loans totaling approximately $37.9 million in the SBA fiscal year ending September 30, 2024.

Largest bank-owned independent investment advisor in Massachusetts

The wealth management arm, Cambridge Trust Wealth Management, a Division of Eastern Bank, holds a leading position in the state. This isn't just a small add-on; it's a significant part of the offering. As of Q3 2025, the firm achieved a record high of $9.2 billion in assets under management (AUM). This recognition as the largest bank-owned independent investment adviser in Massachusetts was confirmed by the Boston Business Journal for the second year in a row in September 2025.

Here's a quick look at the growth in that segment:

• Assets Under Management (AUM) as of July 15, 2025: $8.7 billion.
• Assets Under Management (AUM) as of Q3 2025: $9.2 billion.
• Investment advisory fees in Q3 2025: $17.6 million.

Community-focused mission and commitment to equitable and just communities

A core differentiator for Eastern Bankshares, Inc. is its deep-rooted community commitment. This isn't abstract; it shows up in concrete giving. Since 1994, the bank has contributed more than $240 million in charitable giving. Furthermore, the bank was recognized in the top 10 of the Boston Business Journal's Most Charitable Companies list in 2025, marking the 14th time for that recognition.

Strong balance sheet and disciplined credit management

You want to know the quality of the assets backing the bank's services. As of the third quarter of 2025, Eastern Bankshares, Inc. maintained excellent asset quality metrics, even with a slight uptick in non-performing loans (NPLs) due to a specific commercial credit issue. Non-performing loans totaled $69.2 million, which represented 0.37% of total loans in Q3 2025. This compares favorably to the 0.70% NPL ratio reported in Q3 2024. The bank also maintained strong reserves, with the allowance for loan losses at 1.26% of loans as of quarter end. The bank also emphasized it remains fully deposit funded with essentially no wholesale funding.

The credit profile as of September 30, 2025, looks like this:

Metric	Amount/Percentage
Non-performing Loans (NPLs)	$69.2 million
NPLs as a Percentage of Total Loans	0.37%
Net Charge-offs to Average Loans	0.13%
Reserve for Loan Losses	$233 million
Reserve for Loan Losses as % of Loans	1.26%

Expanded regional footprint following the HarborOne merger

The merger with HarborOne Bancorp, which closed on November 1, 2025, significantly increases Eastern Bankshares, Inc.'s scale and geographic reach, solidifying its leading position in Greater Boston and adding entry into Rhode Island. This combination creates a much larger regional entity. Here's the scale before the final numbers settle:

• Eastern Bank Total Assets (as of 9/30/2025): Approximately $25.5 billion.
• HarborOne Total Assets (as of 3/31/2025): Approximately $5.7 billion.
• Pro Forma Total Assets (approximate): Over $31 billion.
• Projected EPS Accretion from Merger: 16%.

The integration of HarborOne's 30 banking centers in Massachusetts and Rhode Island immediately broadens the physical footprint for Eastern Bankshares, Inc.. Finance: draft 13-week cash view by Friday.

Eastern Bankshares, Inc. (EBC) - Canvas Business Model: Customer Relationships

Dedicated relationship managers for commercial and wealth clients

Eastern Bankshares, Inc. increased the number of relationship managers by approximately 10% over the past year. Eastern Bankshares, Inc. (EBC) has seen its Wealth Management assets under management (AUM) reach a record high of $9.2 billion as of the third quarter of 2025. Eastern Bankshares, Inc. (EBC)'s wealth management franchise has seen AUM increase 241% from $2.7 billion at the time of its 2020 Initial Public Offering. The commercial portfolio grew just under 6% since the beginning of 2025, with the pipeline ending the quarter at approximately $575 million.

Key Wealth Management Metrics (Q3 2025):

Metric	Amount	Comparison Point
Assets Under Management (AUM)	$9.2 billion	Q3 2025 Record High
Investment Advisory Fees (Q3 2025)	$17.6 million	Up from $17.3 million in Q2 2025
Investment Advisory Fees (Q3 2024)	$14.9 million	Year-over-year comparison

The company has been pleased with the strong retention of clients and talent following the integration of Cambridge Trust wealth teams.

High-touch, personalized service model in branch locations

The retail branch network is becoming a meaningful driver of referrals, with retail generating more funded wealth business in the first half of 2025 than Eastern Bankshares, Inc. (EBC) achieved in any prior full year. Eastern Bankshares, Inc. (EBC) is described as an inclusive company comprised of deeply committed professionals who value relationships with their customers, colleagues and communities.

Automated, self-service digital banking and mobile applications

Technology and data processing expenses for Eastern Bankshares, Inc. (EBC) were $18.4 million for the three months ended June 30, 2025.

Community-centric approach through the Eastern Bank Foundation

Since its inception 31 years ago, the Eastern Bank Foundation has invested more than $180 million in Massachusetts, New Hampshire, Rhode Island and Connecticut. The Foundation has supported more than 7,000 unique organizations with over 36,000 grants. Eastern Bank employees have devoted more than 730,000 volunteer hours since 1994. The Foundation shifted its philosophy to one rooted in collaboration, moving from a model of solely charitable giving to one that includes impact investing.

Eastern Bank Foundation Financials (FYE 2024):

Financial Metric	Amount
Total Assets	$249,698,317
Total Giving	$14,699,750

Long-term, definitely sticky deposit relationships

Total deposits for Eastern Bankshares, Inc. (EBC) were $21.1 billion as of September 30, 2025. The total deposit market share for Eastern Bankshares, Inc. (EBC) has roughly doubled from 3.7% to 7.2% since the 2020 IPO. The cost of total interest-bearing liabilities was 2.11% in the third quarter of 2025. The total deposit cost was reported at 1.55% in the third quarter of 2025.

Deposit Composition Highlights (Q1 2025):

• Deposit growth was 8% annualized.
• Nearly 50% of deposits were in low-cost checking accounts.

Eastern Bankshares, Inc. (EBC) - Canvas Business Model: Channels

You're looking at how Eastern Bankshares, Inc. gets its services-from deposits to complex wealth advice-into the hands of its customers across New England. It's a mix of old-school presence and modern digital tools, which is typical for a leading local bank.

The physical footprint remains a core channel. As of September 30, 2025, Eastern Bank maintained approximately 110 branch locations serving communities across eastern Massachusetts, southern and coastal New Hampshire, Rhode Island, and Connecticut. This physical network supports the bank's total asset base of $25.5 billion as of that same date.

Digital channels are essential for daily banking, handling everything from retail transactions to business cash management. While specific adoption rates for 2025 aren't public, the bank clearly supports these platforms for its customer base.

For commercial clients, the relationship managers are the primary channel. The commercial lending teams are heavily focused on the Commercial & Industrial (C&I) and Commercial Real Estate (CRE) markets. This focus drove period-end loans to grow at an 8% annualized rate in the second quarter of 2025, with C&I activity being the main driver of that growth.

Wealth Management is a distinct channel delivered through the Cambridge Trust division. This segment saw significant growth, reaching a record high of $9.2 billion in assets under management (AUM) by the third quarter of 2025. That channel generated $17.6 million in investment advisory fees during Q3 2025.

Here's a quick look at the scale of the key channels as of the latest reporting periods:

Channel Component	Metric	Latest Reported Value (2025)	Date/Period
Physical Presence	Number of Branch Locations	110	Q2/Q3 2025
Wealth Management	Assets Under Management (AUM)	$9.2 billion	Q3 2025
Wealth Management	Investment Advisory Fees	$17.6 million	Q3 2025
Commercial Lending	Loan Growth (Annualized)	8%	Q2 2025
Overall Bank Scale	Total Assets	$25.5 billion	Q3 2025

Beyond direct interaction points, Eastern Bankshares, Inc. relies on the standard infrastructure supporting transactions:

• ATM network access for cash services.
• Third-party payment processors for clearing and settlement functions.
• Digital platforms for self-service retail and business cash management.

The bank's strategy clearly channels resources toward high-touch advisory services, evidenced by the growth in AUM, while maintaining a broad physical presence to serve its core deposit and lending base across its established footprint. If onboarding for new commercial clients takes longer than expected, loan pipeline conversion risks rise.

Finance: draft 13-week cash view by Friday.

Eastern Bankshares, Inc. (EBC) - Canvas Business Model: Customer Segments

You're looking at the core groups Eastern Bankshares, Inc. (EBC) serves as of late 2025, right after closing the HarborOne merger. This bank is the largest independent one headquartered in Massachusetts, with operations spanning Massachusetts, New Hampshire, and Rhode Island.

The overall scale is significant; as of September 30, 2025, total assets stood at $25.5 billion. Their deposit market share in Greater Boston has roughly doubled since the 2020 IPO, hitting 7.2%.

Here's a breakdown of the key customer groups EBC targets:

• Retail Consumers in Eastern Massachusetts, New Hampshire, and Rhode Island
• Small to mid-sized businesses (SMBs) requiring C&I and cash management
• Commercial Real Estate (CRE) investors and developers
• High-net-worth individuals and families for wealth management
• Municipalities and non-profits with large deposit balances

The deposit base is a critical resource, totaling $21.1 billion at the end of Q3 2025. You'll notice the mix is quite stable, which management likes because it keeps funding costs manageable, even with regional competition.

Customer Segment Focus	Key Metric/Balance (As of Q3 2025)	Contextual Data Point
Retail & Consumer Deposits	47% of total deposits in checking accounts	Period-end deposits were $21.1 billion.
Commercial & Industrial (C&I) Lending	Commercial loan portfolio is 69% of total loans	Total loans reached $18.8 billion.
Commercial Real Estate (CRE)	Total CRE loans are $7.2 billion	Investor office loans totaled $876 million (5% of total loans).
Wealth Management (HNWI)	Assets Under Management (AUM) at a record $9.2 billion	Investment advisory fees were $17.6 million in Q3 2025.
Municipal & Non-Profit Deposits	Municipal balances drove growth in Q2 2025	Total assets were $25.5 billion.

For the SMBs, the commercial lending engine is strong. Total loans grew to $18.8 billion by Q3 2025. In Q2 2025, period-end loans showed 8% annualized growth, largely fueled by C&I activity. The pipeline for that business was steady around $500 million back in Q2 2025.

The CRE segment has specific concentrations you should watch. While the total CRE book is $7.2 billion, the multifamily portion, considered a strong asset class in Greater Boston, accounts for $2.5 billion of that. However, non-performing loans did tick up by $14 million linked-quarter in Q3 2025, mainly due to one mixed-use office loan.

The High-Net-Worth (HNWI) segment, served through wealth management, is a major growth story. AUM hit a record $9.2 billion in Q3 2025. That's a massive jump, representing a 241% increase from the $2.7 billion AUM at the time of the 2020 IPO. This segment is definitely a focus area for fee income.

Municipalities are important depositors. In Q2 2025, higher municipal balances were the primary driver for deposit growth that quarter. Honestly, the bank remains fully deposit funded, with essentially no wholesale funding, which is a key strength for this customer base.

Finance: draft a one-page summary of these segment balances for the HarborOne integration team by Tuesday.

Eastern Bankshares, Inc. (EBC) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive Eastern Bankshares, Inc.'s operations as of late 2025, focusing on the figures reported through the third quarter. Understanding these costs is key to seeing where the capital is being allocated to support their balance sheet growth and the pending HarborOne integration.

The cost of funding remains a significant factor. For the second quarter of 2025, the cost of total interest-bearing liabilities was reported at 2.04%. However, by the third quarter of 2025, the pressure from competition was evident, as total deposit costs increased to 155 basis points, with the cost of interest-bearing deposits rising 8 basis points from Q2 2025.

Personnel and technology are the next largest buckets of operating expense. You can see the sequential increase in these areas between the second and third quarters of 2025 in the table below. Honestly, the jump in salaries and benefits in Q3 was partly due to an extra pay period and seasonal staff, plus higher performance-based incentives.

Expense Category (For the Three Months Ended)	Q2 2025 Amount ($ millions)	Q3 2025 Amount ($ millions)
Salaries and employee benefits	$80.7 million	$84.0 million
Technology and data processing expenses	$18.4 million	$19.8 million
Occupancy and equipment costs	$11.2 million	$11.7 million
Merger-related costs (HarborOne transaction)	$2.6 million	$3.2 million

The total noninterest expense for the third quarter of 2025 was $140.4 million, which was an increase of $3.5 million from the second quarter. This rise was driven by higher operating noninterest expense and those merger-related costs we just noted.

Here's a quick look at other key non-interest expenses that Eastern Bankshares, Inc. reported for the three months ended September 30, 2025, compared to the prior quarter:

• Federal Deposit Insurance Corporation insurance: $3.8 million in Q2 2025.
• Professional services: $3.0 million in Q2 2025.
• Marketing: $2.4 million in Q2 2025.
• Rabbi trust benefit costs increased by $3.2 million in Q2 2025 versus Q1 2025.

You should also note that the merger activity itself creates specific, non-recurring costs. For instance, the Q3 2025 figure of $3.2 million for merger-related costs was up $0.6 million from the Q2 2025 amount. Finance: draft 13-week cash view by Friday.

Eastern Bankshares, Inc. (EBC) - Canvas Business Model: Revenue Streams

You're looking at how Eastern Bankshares, Inc. (EBC) actually brings in the money, which is key for understanding its valuation, especially as it integrates the HarborOne Bancorp merger closing on November 1, 2025. The revenue structure is classic for a strong regional bank, heavily reliant on its core lending business.

Net Interest Income (NII) from lending operations remains the bedrock. For the third quarter of 2025, this figure stood at a solid $200.2 million. This is the interest earned on the $18.8 billion loan portfolio, less the cost of funding those loans, which saw the cost of total interest-bearing liabilities rise to 2.11% due to higher deposit costs. To be fair, this NII figure was down slightly from $202.0 million in the second quarter of 2025, mainly because of lower net discount accretion.

The importance of this stream is clear when you look at the long-term trend. Net interest income is the primary source, representing 78.6% of total revenue over the last five years. However, looking just at Q3 2025, the NII contribution was even higher, making up about 82.9% of the total reported revenue for that period, which was $241.5 million.

Noninterest income provides important diversification, though it is secondary. For Q3 2025, total noninterest income was $41.3 million. A significant portion of this comes from the Wealth Management division, which hit a record high with Assets Under Management (AUM) at $9.2 billion.

Here's a quick look at the components of that noninterest income for the third quarter of 2025:

• Investment advisory fees: $17.6 million
• Service charges on deposit accounts: $8.6 million
• Income from investments held in rabbi trust accounts: $3.8 million
• Card Income: $4.2 million

We can map out the key revenue drivers for the quarter ended September 30, 2025, in a table for clarity. This shows you exactly where the $241.5 million total revenue came from.

Revenue Component	Q3 2025 Amount (in millions)	Notes
Net Interest Income (NII)	$200.2	Primary revenue driver from lending operations.
Investment Advisory Fees	$17.6	Driven by record AUM of $9.2 billion.
Service Charges on Deposit Accounts	$8.6	Fee income from retail and commercial deposit services.
Card Income	$4.2	Revenue from debit and credit card interchange and fees.
Other Noninterest Income/Fees	Varies	Includes miscellaneous income and other banking fees.

The interest and dividends from investment securities are folded into the noninterest income line, often influenced by equity market performance for the rabbi trust accounts, which saw income decrease to $3.8 million in Q3 2025 compared to Q2 2025. Anyway, the core of the business is definitely the spread between what Eastern Bank earns on its assets and what it pays on its liabilities. Finance: draft 13-week cash view by Friday.