Eastern Bankshares, Inc. (EBC): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, Eastern Bankshares, Inc. (EBC) apparaît comme une puissance stratégique, mélangeant parfaitement les services financiers traditionnels avec l'innovation numérique de pointe. En créant méticuleusement un modèle commercial qui priorise l'engagement communautaire, les progrès technologiques et les expériences bancaires personnalisées, EBC s'est positionné comme une force transformatrice dans l'écosystème financier du Massachusetts. Cette toile complète du modèle commercial dévoile les mécanismes complexes qui stimulent le succès de la banque, révélant une approche nuancée pour répondre aux divers besoins financiers des entreprises locales et des clients individuels.

Eastern Bankshares, Inc. (EBC) - Modèle commercial: partenariats clés

Alliance stratégique avec les entreprises de technologie financière

Eastern Bankshares maintient des partenariats stratégiques avec les sociétés fintech suivantes:

Partenaire fintech	Focus de partenariat	Année établie
Q2 Holdings	Intégration de la plate-forme bancaire numérique	2022
Plaid	Vérification du compte et connectivité des données	2021

Collaboration avec les entreprises locales et les organisations communautaires

Eastern Bankshares a établi des partenariats avec des entités locales:

• Centre de développement des petites entreprises du Massachusetts
• Chambre de commerce du Grand Boston
• Conseils locaux de développement économique dans le Massachusetts

Partenariat avec les fournisseurs de services bancaires numériques

Fournisseur de services numériques	Type de service	Date de mise en œuvre
Finerv	Technologie bancaire de base	2020
Salesforce	Gestion de la relation client	2022

Relation avec les consultants en conformité réglementaire et en gestion des risques

Les partenariats clés de la conformité et de la gestion des risques comprennent:

• AML / BSA Compliance Consulting avec Deloitte
• Évaluation des risques de cybersécurité avec Kpmg
• Services de rapports réglementaires avec Ernst & Jeune

Eastern Bankshares, Inc. (EBC) - Modèle commercial: activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, la Banque de l'Est a déclaré 21,7 milliards de dollars d'actifs totaux et 17,2 milliards de dollars de dépôts totaux. La banque exploite 125 succursales au détail dans le Massachusetts et le New Hampshire.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	8,4 milliards de dollars
Comptes de chèques personnels	247 000 comptes
Banque des petites entreprises	3,6 milliards de dollars en prêts en cours

Développement de la plate-forme bancaire numérique

La Banque de l'Est a investi 12,5 millions de dollars dans les mises à niveau des infrastructures numériques en 2023.

• Téléchargements d'applications bancaires mobiles: 185 000
• Utilisateurs bancaires en ligne: 412 000
• Volume de transaction numérique: 2,3 milliards de dollars par an

Services de gestion de patrimoine et d'investissement

Catégorie d'investissement	Total des actifs sous gestion
Gestion de la richesse	4,2 milliards de dollars
Planification de la retraite	1,8 milliard de dollars

Évaluation de l'origine du prêt et du crédit

En 2023, la Banque orientale a traité 18 750 demandes de prêt avec un taux d'approbation de 72%.

• Les prêts hypothécaires sont originaires: 1,6 milliard de dollars
• Approbations de prêts commerciaux: 1 250 prêts
• Temps de traitement des prêts moyens: 15 jours ouvrables

Gestion de la relation client

Taux de rétention de la clientèle en 2023: 87,4%

Métrique CRM	Performance
Score de satisfaction du client	4.6/5
Temps de réponse du service client	2,3 heures en moyenne

Eastern Bankshares, Inc. (EBC) - Modèle d'entreprise: Ressources clés

Strait réseau bancaire régional dans le Massachusetts

Au quatrième trimestre 2023, Eastern Bankshares exploite 121 succursales totales dans le Massachusetts. Le total des actifs déclarés à 20,4 milliards de dollars. Les dépôts ont atteint 16,4 milliards de dollars. Concentration géographique principalement dans les zones métropolitaines de l'est du Massachusetts.

Métriques du réseau de succursales	Quantité
Total des succursales	121
Total de distributeurs automatiques de billets	178
Les comtés servis	11

Infrastructure de technologie bancaire numérique avancée

L'investissement technologique en 2023 a totalisé 42,3 millions de dollars. Plateforme bancaire numérique Posteaux:

• Application bancaire mobile
• Capacités de transaction en ligne
• Gestion de compte en temps réel
• Systèmes de paiement numérique

Gestion expérimentée et expertise financière

Équipe de direction avec une expérience bancaire moyenne de 22 ans. La rémunération des dirigeants pour 2023 a totalisé 12,7 millions de dollars.

Métriques de gestion	Détails
Total des employés	2,103
Expérience de gestion moyenne	22 ans
Taille de l'équipe de leadership exécutif	8 membres

Base de données client robuste

Base de clientèle totale: 525 000 en décembre 2023. La rupture démographique comprend:

• Clients bancaires personnels: 342 000
• Clients bancaires d'entreprise: 83 000
• Clients de gestion de la patrimoine: 100 000

Portefeuille de produits financiers diversifiés

Offres de produits générant des revenus sur plusieurs segments:

Catégorie de produits	Revenus annuels
Prêts commerciaux	287,6 millions de dollars
Prêts à la consommation	214,3 millions de dollars
Prêts hypothécaires	176,9 millions de dollars
Services d'investissement	95,4 millions de dollars

Eastern Bankshares, Inc. (EBC) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers locaux

Au quatrième trimestre 2023, Eastern Bankshares, Inc. a offert des solutions bancaires personnalisées avec un portefeuille de prêts commerciaux total de 10,9 milliards de dollars et un total de prêts à la consommation de 3,8 milliards de dollars.

Catégorie de prêt	Valeur totale
Prêts commerciaux	10,9 milliards de dollars
Prêts à la consommation	3,8 milliards de dollars

Expérience bancaire numérique pratique

La Banque de l'Est a déclaré 437 000 utilisateurs actifs de banque numérique en 2023, avec transactions bancaires mobiles augmentant de 22% d'une année à l'autre.

• Téléchargements d'applications bancaires mobiles: 127 000
• Pénétration des services bancaires en ligne: 68% de la clientèle
• Volume des transactions numériques: 3,2 millions de transactions mensuelles

Taux d'intérêt concurrentiels et produits financiers

Produit	Taux d'intérêt
Compte d'épargne personnelle	3.75%
Vérification des affaires	4.25%
Tarifs de CD (12 mois)	5.10%

Solide approche bancaire axée sur la communauté

En 2023, Eastern Bankshares a engagé 42,5 millions de dollars pour le développement communautaire et les programmes locaux de soutien aux entreprises.

• Prêts aux petites entreprises: 675 millions de dollars
• Initiatives de réinvestissement communautaire: 37 projets locaux
• Support local à but non lucratif: 8,3 millions de dollars en subventions

Services complets de gestion de patrimoine

La division de gestion de patrimoine de la Banque de l'Est a géré 6,2 milliards de dollars d'actifs en décembre 2023.

Segment de gestion de la patrimoine	Actif total
Portefeuilles d'investissement gérés	4,7 milliards de dollars
Services de planification de la retraite	1,5 milliard de dollars

Eastern Bankshares, Inc. (EBC) - Modèle d'entreprise: relations clients

Service client personnalisé

La banque orientale fournit un service client personnalisé via ses 120 succursales dans le Massachusetts et le New Hampshire. Au quatrième trimestre 2023, la banque a maintenu 1 245 000 comptes clients actifs.

Canal de service	Métrique d'interaction client
Support en branche	15 000 interactions avec le client en moyenne par mois
Support téléphonique	Taux de résolution de 92% du premier appel
Gestionnaires de relations bancaires personnelles	387 gestionnaires de relations dédiées

Prise en charge des banques numériques et mobiles

La plate-forme bancaire numérique de la Banque Eastern Bank dessert 678 000 utilisateurs de banque numérique actifs à partir de 2023.

• Téléchargements d'applications bancaires mobiles: 425 000
• Volume de transactions en ligne: 3,2 millions de transactions mensuelles
• Évaluation de satisfaction bancaire numérique: 4.6 / 5

Modèle bancaire basé sur les relations

La Banque orientale se concentre sur les relations avec les clients à long terme avec un taux moyen de rétention de la clientèle de 87% en 2023.

Segment de clientèle	Durée moyenne des relations
Banque personnelle	8,3 ans
Banque d'affaires	6,7 ans

Initiatives d'engagement communautaire

La Banque de l'Est a investi 4,2 millions de dollars dans les programmes de développement communautaire en 2023.

• Partenariats locaux à but non lucratif: 127
• Parrainage des événements communautaires: 84
• Heures de bénévolat par les employés: 12 500

Services de conseil financier réguliers

La Banque Eastern fournit des services de conseil financier complets sur plusieurs canaux.

Type de service consultatif	Volume annuel du client
Consultations en gestion de patrimoine	22 500 clients
Séances de planification de la retraite	15 300 consultations
Planification financière des petites entreprises	8 700 clients commerciaux

Eastern Bankshares, Inc. (EBC) - Modèle d'entreprise: canaux

Plateforme bancaire en ligne

La plate-forme numérique de la Banque Eastern Bank dessert 1,2 million d'utilisateurs bancaires en ligne actifs au quatrième trimestre 2023. La plate-forme traite environ 3,5 millions de transactions numériques mensuelles avec une fiabilité de disponibilité de 99,8%.

Métrique du canal numérique	Performance de 2023
Utilisateurs en ligne actifs	1,200,000
Transactions numériques mensuelles	3,500,000
Time de disponibilité de la plate-forme	99.8%

Application bancaire mobile

L'application mobile de la Banque Eastern a été téléchargée 750 000 fois avec une cote d'utilisateurs de 4,6 / 5. L'application prend en charge Surveillance des transactions en temps réel, Mobile Check Deposits et Payments Peer-to-Peer.

• Téléchargements totaux d'applications mobiles: 750 000
• Évaluation des utilisateurs de l'application mobile: 4.6 / 5
• Caractéristiques prises en charge: surveillance en temps réel, dépôt de chèque mobile, paiements P2P

Réseau de succursale physique

Eastern Bankshares exploite 538 succursales physiques dans le Massachusetts et le Rhode Island en décembre 2023.

Répartition des succursales	Nombre d'emplacements
Total des succursales	538
Branches du Massachusetts	510
Branches du Rhode Island	28

Services ATM

La Banque Eastern donne accès à 685 emplacements ATM, avec 412 détenus directement et 273 via des réseaux partenaires.

Réseau ATM	Total des emplacements
Total de distributeurs automatiques de billets	685
ATM appartenant à des banques	412
ATM du réseau partenaire	273

Centres d'appels de service client

La Banque Eastern exploite trois centres d'appels de service à la clientèle qui gèrent environ 250 000 interactions client chaque mois, avec un temps de réponse moyen de 2,5 minutes.

• Nombre de centres d'appels: 3
• Interactions mensuelles du client: 250 000
• Temps de réponse moyen: 2,5 minutes

Eastern Bankshares, Inc. (EBC) - Modèle d'entreprise: segments de clients

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, l'Est Bank dessert environ 2 500 petites et moyennes entreprises du Massachusetts. Portfolio total de prêts commerciaux pour les PME: 3,2 milliards de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	1,200	$750,000
Services professionnels	850	1,1 million de dollars
Entreprises technologiques	450	1,5 million de dollars

Résidents locaux du Massachusetts

Base de clients dans le Massachusetts: 535 000 titulaires de compte individuel. Couverture géographique: 124 branches à travers l'État.

• Revenu médian des ménages des clients: 89 500 $
• Solde moyen du compte de dépôt: 42 300 $
• Utilisateurs bancaires numériques: 68% de la clientèle

Clients bancaires de détail individuels

Total des clients bancaires au détail: 385 000. Comptes de chèques personnels: 265 000.

Type de compte	Nombre de comptes	Équilibre moyen
Comptes chèques	265,000	$22,500
Comptes d'épargne	215,000	$35,700
Comptes de marché monétaire	95,000	$58,200

Individus à haute nette

Clients de gestion de patrimoine: 12 500. Total des actifs sous gestion: 4,3 milliards de dollars.

• Valeur nette moyenne du client: 3,2 millions de dollars
• Seuil d'investissement minimum: 500 000 $
• Revenus de frais de gestion de patrimoine: 42,5 millions de dollars en 2023

Clients bancaires commerciaux

Clients bancaires commerciaux totaux: 1 850. Portefeuille de prêts commerciaux: 8,7 milliards de dollars.

Secteur de l'industrie	Nombre de clients	Valeur totale du prêt
Immobilier	650	3,2 milliards de dollars
Soins de santé	350	1,9 milliard de dollars
Fabrication	250	1,5 milliard de dollars
Technologie	200	1,1 milliard de dollars

Eastern Bankshares, Inc. (EBC) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

Pour l'exercice 2023, Eastern Bankshares a déclaré des frais de technologie et d'équipement de 46,1 millions de dollars. L'investissement total de l'infrastructure technologique de la banque comprend:

Catégorie	Coût annuel
Infrastructure informatique	22,3 millions de dollars
Systèmes de cybersécurité	12,7 millions de dollars
Plateformes bancaires numériques	11,1 millions de dollars

Dépenses de fonctionnement de la succursale

Eastern Bankshares exploite 245 succursales dans le Massachusetts, avec des dépenses annuelles liées aux succursales totalisant 87,3 millions de dollars en 2023.

• Coûts d'occupation: 38,2 millions de dollars
• Services publics et maintenance: 24,5 millions de dollars
• Succursale des fournitures opérationnelles: 14,6 millions de dollars
• Infrastructure technologique des succursales: 10 millions de dollars

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2023 était de 291,4 millions de dollars, ventilée comme suit:

Catégorie de compensation	Montant
Salaires de base	198,6 millions de dollars
Bonus de performance	42,3 millions de dollars
Prestations de santé et de retraite	50,5 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité pour les Bankshares orientales en 2023 s'élevaient à 35,7 millions de dollars, notamment:

• Représentations juridiques et réglementaires: 15,2 millions de dollars
• Salaires du personnel de conformité: 12,5 millions de dollars
• Systèmes technologiques de conformité: 8 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 18,6 millions de dollars, allouées sur divers canaux:

Canal de marketing	Dépenses
Marketing numérique	7,4 millions de dollars
Publicité médiatique traditionnelle	6,2 millions de dollars
Parrainages communautaires	3,1 millions de dollars
Programmes d'acquisition de clients	1,9 million de dollars

Eastern Bankshares, Inc. (EBC) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, l'Est de Bankshares a rapporté 510,2 millions de dollars dans le revenu total des intérêts. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total en suspens
Immobilier commercial	7,8 milliards de dollars
Commercial & Prêts industriels	3,2 milliards de dollars
Prêts hypothécaires résidentiels	4,5 milliards de dollars
Prêts à la consommation	1,1 milliard de dollars

Services basés sur les frais

Les revenus de service basés sur les frais pour 2023 ont totalisé 187,6 millions de dollars, avec les segments clés suivants:

• Frais de service sur les comptes de dépôt: 42,3 millions de dollars
• Revenu d'échange: 55,4 millions de dollars
• Autres frais de service: 89,9 millions de dollars

Frais d'investissement et de gestion de la patrimoine

Banques orientales générées 76,5 millions de dollars en frais de gestion de patrimoine et d'investissement en 2023, avec des actifs sous gestion atteignant 4,2 milliards de dollars.

Revenus des transactions bancaires numériques

Les revenus des transactions bancaires numériques pour 2023 sont équipés de 34,2 millions de dollars, représentant une augmentation de 12,7% par rapport à l'année précédente. Les mesures clés comprennent:

Métrique bancaire numérique	Valeur 2023
Utilisateurs de la banque en ligne	268,000
Utilisateurs de la banque mobile	223,000
Volume de transaction numérique	42,6 millions de transactions

Frais de service bancaire commercial

Les frais de service bancaire commercial en 2023 ont atteint 93,7 millions de dollars, avec la distribution suivante:

• Services de gestion du Trésor: 52,4 millions de dollars
• Frais de banque d'entreprise: 28,6 millions de dollars
• Frais bancaires internationaux: 12,7 millions de dollars

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.