Eastern Bankshares, Inc. (EBC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, Eastern Bankshares, Inc. (EBC) surge como una potencia estratégica, combinando sin problemas los servicios financieros tradicionales con innovación digital de vanguardia. Al crear meticulosamente un modelo de negocio que prioriza el compromiso de la comunidad, el avance tecnológico y las experiencias bancarias personalizadas, EBC se ha posicionado como una fuerza transformadora en el ecosistema financiero de Massachusetts. Este lienzo completo de modelo de negocio presenta los intrincados mecanismos que impulsan el éxito del banco, revelando un enfoque matizado para satisfacer las diversas necesidades financieras de las empresas locales y los clientes individuales por igual.

Eastern Bankshares, Inc. (EBC) - Modelo de negocios: asociaciones clave

Alianza estratégica con empresas de tecnología financiera

Eastern Bankshares mantiene asociaciones estratégicas con las siguientes empresas fintech:

Socio de fintech	Enfoque de asociación	Año establecido
Partidas Q2	Integración de la plataforma de banca digital	2022
Tartán	Verificación de la cuenta y conectividad de datos	2021

Colaboración con empresas locales y organizaciones comunitarias

Eastern Bankshares ha establecido asociaciones con entidades locales:

• Centro de desarrollo de pequeñas empresas de Massachusetts
• Cámara de Comercio de Greater Boston
• Consejos de desarrollo económico local en Massachusetts

Asociación con proveedores de servicios de banca digital

Proveedor de servicios digitales	Tipo de servicio	Fecha de implementación
Fiserv	Tecnología bancaria central	2020
Salesforce	Gestión de la relación con el cliente	2022

Relación con consultores de cumplimiento regulatorio y gestión de riesgos

Las asociaciones clave de cumplimiento y gestión de riesgos incluyen:

• Consultoría de cumplimiento de AML/BSA con Deloitte
• Evaluación del riesgo de ciberseguridad con Kpmg
• Servicios de informes regulatorios con Ernst & Joven

Eastern Bankshares, Inc. (EBC) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Eastern Bank reportó $ 21.7 mil millones en activos totales y $ 17.2 mil millones en depósitos totales. El banco opera 125 sucursales minoristas en Massachusetts y New Hampshire.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 8.4 mil millones
Cuentas corrientes personales	247,000 cuentas
Banca de pequeñas empresas	$ 3.6 mil millones en préstamos pendientes

Desarrollo de la plataforma de banca digital

Eastern Bank invirtió $ 12.5 millones en actualizaciones de infraestructura digital en 2023.

• Descargas de aplicaciones de banca móvil: 185,000
• Usuarios bancarios en línea: 412,000
• Volumen de transacción digital: $ 2.3 mil millones anualmente

Servicios de gestión de patrimonio y inversión

Categoría de inversión	Activos totales bajo administración
Gestión de patrimonio	$ 4.2 mil millones
Planificación de jubilación	$ 1.8 mil millones

Originación de préstamo y evaluación de crédito

En 2023, Eastern Bank procesó 18.750 solicitudes de préstamos con una tasa de aprobación del 72%.

• Los préstamos hipotecarios se originaron: $ 1.6 mil millones
• Aprobaciones de préstamos comerciales: 1.250 préstamos
• Tiempo promedio de procesamiento de préstamos: 15 días hábiles

Gestión de la relación con el cliente

Tasa de retención de clientes en 2023: 87.4%

Métrico CRM	Actuación
Puntuación de satisfacción del cliente	4.6/5
Tiempo de respuesta del servicio al cliente	2.3 horas promedio

Eastern Bankshares, Inc. (EBC) - Modelo de negocio: recursos clave

Red bancaria regional fuerte en Massachusetts

A partir del cuarto trimestre de 2023, Eastern Bankshares opera 121 sucursales totales en Massachusetts. Los activos totales reportados en $ 20.4 mil millones. Los depósitos alcanzaron $ 16.4 mil millones. Concentración geográfica principalmente en las áreas metropolitanas del este de Massachusetts.

Métricas de redes de sucursales	Cantidad
Total de ramas	121
ATMS totales	178
Condados atendidos	11

Infraestructura avanzada de tecnología de banca digital

La inversión tecnológica en 2023 totalizó $ 42.3 millones. Soporte de plataforma bancaria digital:

• Aplicación de banca móvil
• Capacidades de transacción en línea
• Gestión de cuentas en tiempo real
• Sistemas de pago digital

Gestión experimentada y experiencia financiera

Equipo de liderazgo con experiencia bancaria promedio de 22 años. La compensación ejecutiva para 2023 totalizó $ 12.7 millones.

Métricas de gestión	Detalles
Total de empleados	2,103
Experiencia de gestión promedio	22 años
Tamaño del equipo de liderazgo ejecutivo	8 miembros

Base de datos de clientes robusta

Base total de clientes: 525,000 a diciembre de 2023. El desglose demográfico incluye:

• Clientes de banca personal: 342,000
• Clientes de banca de negocios: 83,000
• Clientes de gestión de patrimonio: 100,000

Cartera de productos financieros diversificados

Ofertas de productos que generan ingresos en múltiples segmentos:

Categoría de productos	Ingresos anuales
Préstamo comercial	$ 287.6 millones
Préstamos al consumo	$ 214.3 millones
Préstamo hipotecario	$ 176.9 millones
Servicios de inversión	$ 95.4 millones

Eastern Bankshares, Inc. (EBC) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos locales

A partir del cuarto trimestre de 2023, Eastern Bankshares, Inc. ofreció soluciones bancarias personalizadas con una cartera de préstamos comerciales totales de $ 10.9 mil millones y préstamos totales de consumo de $ 3.8 mil millones.

Categoría de préstamo	Valor total
Préstamos comerciales	$ 10.9 mil millones
Préstamos al consumo	$ 3.8 mil millones

Experiencia de banca digital conveniente

Eastern Bank reportó 437,000 usuarios activos de banca digital en 2023, con Las transacciones bancarias móviles aumentan en un 22% año tras año.

• Descargas de aplicaciones de banca móvil: 127,000
• Penetración bancaria en línea: 68% de la base de clientes
• Volumen de transacciones digitales: 3.2 millones de transacciones mensuales

Tasas de interés competitivas y productos financieros

Producto	Tasa de interés
Cuenta de ahorro personal	3.75%
Verificación de negocios	4.25%
Tasas de CD (12 meses)	5.10%

Fuerte enfoque bancario centrado en la comunidad

En 2023, Eastern Bankshares cometió $ 42.5 millones para el desarrollo comunitario y los programas locales de apoyo comercial.

• Préstamos para pequeñas empresas: $ 675 millones
• Iniciativas de reinversión comunitaria: 37 proyectos locales
• Soporte local sin fines de lucro: $ 8.3 millones en subvenciones

Servicios integrales de gestión de patrimonio

La división de gestión de patrimonio de Eastern Bank gestionó $ 6.2 mil millones en activos a diciembre de 2023.

Segmento de gestión de patrimonio	Activos totales
Carteras de inversión administradas	$ 4.7 mil millones
Servicios de planificación de jubilación	$ 1.5 mil millones

Eastern Bankshares, Inc. (EBC) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

Eastern Bank ofrece un servicio al cliente personalizado a través de sus 120 sucursales en Massachusetts y New Hampshire. A partir del cuarto trimestre de 2023, el banco mantuvo 1,245,000 cuentas activas de clientes.

Canal de servicio	Métrica de interacción del cliente
Soporte en la rama	Promedio de 15,000 interacciones de clientes por mes
Soporte telefónico	Tasa de resolución de primer llamado del 92%
Gerentes de relaciones bancarias personales	387 gerentes de relaciones dedicadas

Soporte de banca digital y móvil

La plataforma de banca digital de Eastern Bank sirve a 678,000 usuarios de banca digital activa a partir de 2023.

• Descargas de aplicaciones de banca móvil: 425,000
• Volumen de transacciones en línea: 3.2 millones de transacciones mensuales
• Clasificación de satisfacción bancaria digital: 4.6/5

Modelo bancario basado en relaciones

Eastern Bank se centra en las relaciones a largo plazo de los clientes con una tasa promedio de retención de clientes del 87% en 2023.

Segmento de clientes	Duración de la relación promedio
Banca personal	8.3 años
Banca de negocios	6.7 años

Iniciativas de participación comunitaria

Eastern Bank invirtió $ 4.2 millones en programas de desarrollo comunitario durante 2023.

• Asociaciones locales sin fines de lucro: 127
• Patrocinios de eventos comunitarios: 84
• Horario voluntario por empleados: 12,500

Servicios de asesoramiento financiero regular

Eastern Bank brinda servicios de asesoramiento financiero integrales en múltiples canales.

Tipo de servicio de asesoramiento	Volumen anual del cliente
Consultas de gestión de patrimonio	22,500 clientes
Sesiones de planificación de jubilación	15,300 consultas
Planificación financiera de pequeñas empresas	8.700 clientes comerciales

Eastern Bankshares, Inc. (EBC) - Modelo de negocios: canales

Plataforma bancaria en línea

La plataforma digital de Eastern Bank atiende a 1,2 millones de usuarios de banca en línea activos a partir del cuarto trimestre de 2023. La plataforma procesa aproximadamente 3.5 millones de transacciones digitales mensuales con una confiabilidad del tiempo de actividad del 99.8%.

Métrico de canal digital	2023 rendimiento
Usuarios en línea activos	1,200,000
Transacciones digitales mensuales	3,500,000
Tiempo de actividad de la plataforma	99.8%

Aplicación de banca móvil

La aplicación móvil de Eastern Bank se ha descargado 750,000 veces con una calificación de usuario de 4.6/5. La aplicación es compatible monitoreo de transacciones en tiempo real, depósitos de cheques móviles y pagos de igual a igual.

• Descargas totales de aplicaciones móviles: 750,000
• Calificación del usuario de la aplicación móvil: 4.6/5
• Características compatibles: monitoreo en tiempo real, depósito de cheques móviles, pagos P2P

Red de sucursales físicas

Eastern Bankshares opera 538 ubicaciones de sucursales físicas en Massachusetts y Rhode Island a partir de diciembre de 2023.

Distribución de ramas	Número de ubicaciones
Total de ramas	538
Ramas de Massachusetts	510
Ramas de Rhode Island	28

Servicios de cajero automático

Eastern Bank proporciona acceso a 685 ubicaciones de cajeros automáticos, con 412 propiedad directamente y 273 a través de redes de socios.

Red de cajeros automáticos	Ubicaciones totales
ATMS totales	685
Cajeros automáticos	412
ATM de red de socios	273

Centros de llamadas de servicio al cliente

Eastern Bank opera tres centros de llamadas de servicio al cliente que manejan aproximadamente 250,000 interacciones de clientes mensualmente, con un tiempo de respuesta promedio de 2.5 minutos.

• Número de centros de llamadas: 3
• Interacciones mensuales del cliente: 250,000
• Tiempo de respuesta promedio: 2.5 minutos

Eastern Bankshares, Inc. (EBC) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Eastern Bank atiende a aproximadamente 2,500 empresas pequeñas a medianas en Massachusetts. Cartera total de préstamos comerciales para PYME: $ 3.2 mil millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	1,200	$750,000
Servicios profesionales	850	$ 1.1 millones
Empresas tecnológicas	450	$ 1.5 millones

Residentes locales de Massachusetts

Base de clientes en Massachusetts: 535,000 titulares de cuentas individuales. Cobertura geográfica: 124 ramas en todo el estado.

• Ingresos familiares promedio de los clientes: $ 89,500
• Saldo promedio de la cuenta de depósito: $ 42,300
• Usuarios de banca digital: 68% de la base de clientes

Clientes de banca minorista individual

Total de clientes minoristas de banca: 385,000. Cuentas corrientes personales: 265,000.

Tipo de cuenta	Número de cuentas	Saldo promedio
Cuentas corrientes	265,000	$22,500
Cuentas de ahorro	215,000	$35,700
Cuentas del mercado monetario	95,000	$58,200

Individuos de alto nivel de red

CLIENTES DE GESTIÓN DE PLAVE: 12,500. Activos totales bajo administración: $ 4.3 mil millones.

• Piso neto promedio del cliente: $ 3.2 millones
• Umbral de inversión mínimo: $ 500,000
• Ingresos de tarifas de gestión de patrimonio: $ 42.5 millones en 2023

Clientes de banca comercial

Total de clientes de banca comercial: 1.850. Portafolio de préstamos comerciales: $ 8.7 mil millones.

Sector industrial	Número de clientes	Valor total del préstamo
Bienes raíces	650	$ 3.2 mil millones
Cuidado de la salud	350	$ 1.9 mil millones
Fabricación	250	$ 1.5 mil millones
Tecnología	200	$ 1.1 mil millones

Eastern Bankshares, Inc. (EBC) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

Para el año fiscal 2023, Eastern Bankshares informó gastos de tecnología y equipo de $ 46.1 millones. La inversión de infraestructura de tecnología total del banco incluye:

Categoría	Costo anual
Infraestructura	$ 22.3 millones
Sistemas de ciberseguridad	$ 12.7 millones
Plataformas de banca digital	$ 11.1 millones

Gastos de operación de rama

Eastern Bankshares opera 245 sucursales en Massachusetts, con gastos anuales relacionados con las sucursales por un total de $ 87.3 millones en 2023.

• Costos de ocupación: $ 38.2 millones
• Utilidades y mantenimiento: $ 24.5 millones
• Suministros operativos de rama: $ 14.6 millones
• Infraestructura de tecnología de rama: $ 10 millones

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue de $ 291.4 millones, desglosado de la siguiente manera:

Categoría de compensación	Cantidad
Salarios base	$ 198.6 millones
Bonos de rendimiento	$ 42.3 millones
Beneficios de salud y jubilación	$ 50.5 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para Eastern Bankshares en 2023 ascendieron a $ 35.7 millones, que incluyen:

• Informes legales y regulatorios: $ 15.2 millones
• SALARIOS DEL PERSONA DE CUMPLIMIENTO: $ 12.5 millones
• Sistemas de tecnología de cumplimiento: $ 8 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 18.6 millones, asignado a través de varios canales:

Canal de marketing	Gasto
Marketing digital	$ 7.4 millones
Publicidad de medios tradicional	$ 6.2 millones
Patrocinios comunitarios	$ 3.1 millones
Programas de adquisición de clientes	$ 1.9 millones

Eastern Bankshares, Inc. (EBC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, el este de Bankshares informó $ 510.2 millones en ingresos de intereses totales. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo pendiente total
Inmobiliario comercial	$ 7.8 mil millones
Comercial & Préstamos industriales	$ 3.2 mil millones
Préstamos hipotecarios residenciales	$ 4.5 mil millones
Préstamos al consumo	$ 1.1 mil millones

Servicios basados ​​en tarifas

Los ingresos por servicios basados ​​en tarifas para 2023 totalizaron $ 187.6 millones, con los siguientes segmentos clave:

• Cargos de servicio en cuentas de depósito: $ 42.3 millones
• Ingresos de intercambio: $ 55.4 millones
• Otras tarifas de servicio: $ 89.9 millones

Tarifas de gestión de inversión y patrimonio

Bankshares del este $ 76.5 millones en tarifas de asesoramiento de gestión de patrimonio e inversiones en 2023, con activos bajo administración alcanzando $ 4.2 mil millones.

Ingresos de la transacción bancaria digital

Los ingresos por transacciones de banca digital para 2023 ascendieron a $ 34.2 millones, que representa un aumento del 12.7% respecto al año anterior. Las métricas clave incluyen:

Métrica de banca digital	Valor 2023
Usuarios bancarios en línea	268,000
Usuarios de banca móvil	223,000
Volumen de transacción digital	42.6 millones de transacciones

Cargos de servicio bancario comercial

Los cargos de servicio de banca comercial en 2023 alcanzaron $ 93.7 millones, con la siguiente distribución:

• Servicios de gestión del tesoro: $ 52.4 millones
• Tarifas de banca corporativa: $ 28.6 millones
• Tarifas bancarias internacionales: $ 12.7 millones

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.