Eastern Bankshares, Inc. (EBC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do setor bancário regional, a Eastern Bankshares, Inc. (EBC) surge como uma potência estratégica, combinando perfeitamente os serviços financeiros tradicionais com a inovação digital de ponta. Ao criar meticulosamente um modelo de negócios que prioriza o envolvimento da comunidade, o avanço tecnológico e as experiências bancárias personalizadas, a EBC se posicionou como uma força transformadora no ecossistema financeiro de Massachusetts. Essa lona abrangente do modelo de negócios revela os intrincados mecanismos que impulsionam o sucesso do banco, revelando uma abordagem diferenciada para atender às diversas necessidades financeiras de empresas locais e clientes individuais.

Eastern Bankshares, Inc. (EBC) - Modelo de negócios: Parcerias -chave

Aliança estratégica com empresas de tecnologia financeira

O Eastern Bankshares mantém parcerias estratégicas com as seguintes empresas de fintech:

Fintech Partner	Foco em parceria	Ano estabelecido
Q2 Holdings	Integração da plataforma bancária digital	2022
Xadrez	Verificação da conta e conectividade de dados	2021

Colaboração com empresas locais e organizações comunitárias

O Eastern Bankshares estabeleceu parcerias com entidades locais:

• Centro de Desenvolvimento de Pequenas Empresas de Massachusetts
• Grande Câmara de Comércio de Boston
• Conselhos de Desenvolvimento Econômico Locais em Massachusetts

Parceria com provedores de serviços bancários digitais

Provedor de serviços digitais	Tipo de serviço	Data de implementação
Fiserv	Tecnologia bancária principal	2020
Salesforce	Gerenciamento de relacionamento com o cliente	2022

Relacionamento com consultores de conformidade regulatória e gerenciamento de riscos

As parcerias importantes de conformidade e gerenciamento de riscos incluem:

• Consultoria de conformidade com AML/BSA com Deloitte
• Avaliação de risco de segurança cibernética com Kpmg
• Serviços de relatórios regulatórios com Ernst & Jovem

Eastern Bankshares, Inc. (EBC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, o Eastern Bank reportou US $ 21,7 bilhões em ativos totais e US $ 17,2 bilhões em depósitos totais. O banco opera 125 agências de varejo em Massachusetts e New Hampshire.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 8,4 bilhões
Contas de corrente pessoal	247.000 contas
Bancos de pequenas empresas	US $ 3,6 bilhões em empréstimos pendentes

Desenvolvimento da plataforma bancária digital

O Eastern Bank investiu US $ 12,5 milhões em atualizações de infraestrutura digital em 2023.

• Downloads de aplicativos bancários móveis: 185.000
• Usuários bancários online: 412.000
• Volume de transação digital: US $ 2,3 bilhões anualmente

Gestão de patrimônio e serviços de investimento

Categoria de investimento	Total de ativos sob gestão
Gestão de patrimônio	US $ 4,2 bilhões
Planejamento de aposentadoria	US $ 1,8 bilhão

Originação de empréstimos e avaliação de crédito

Em 2023, o Eastern Bank processou 18.750 pedidos de empréstimo com uma taxa de aprovação de 72%.

• Empréstimos hipotecários originados: US $ 1,6 bilhão
• Aprovações de empréstimos comerciais: 1.250 empréstimos
• Tempo médio de processamento de empréstimo: 15 dias úteis

Gerenciamento de relacionamento com o cliente

Taxa de retenção de clientes em 2023: 87,4%

Métrica de CRM	Desempenho
Pontuação de satisfação do cliente	4.6/5
Tempo de resposta do atendimento ao cliente	2,3 horas em média

Eastern Bankshares, Inc. (EBC) - Modelo de negócios: Recursos -chave

Forte rede bancária regional em Massachusetts

A partir do quarto trimestre de 2023, o leste do Bankshares opera 121 agências totais em Massachusetts. Total de ativos relatados em US $ 20,4 bilhões. Os depósitos atingiram US $ 16,4 bilhões. Concentração geográfica principalmente nas áreas metropolitanas do leste de Massachusetts.

Métricas de rede de filial	Quantidade
Filiais totais	121
ATMs totais	178
Condados servidos	11

Infraestrutura de tecnologia bancária digital avançada

O investimento em tecnologia em 2023 totalizou US $ 42,3 milhões. A plataforma bancária digital suporta:

• Aplicativo bancário móvel
• Recursos de transação online
• Gerenciamento de contas em tempo real
• Sistemas de pagamento digital

Gerenciamento experiente e experiência financeira

Equipe de liderança com experiência bancária média de 22 anos. A compensação de executivos para 2023 totalizou US $ 12,7 milhões.

Métricas de gerenciamento	Detalhes
Total de funcionários	2,103
Experiência de gerenciamento médio	22 anos
Tamanho da equipe de liderança executiva	8 membros

Banco de dados robusto do cliente

Base total de clientes: 525.000 em dezembro de 2023. O colapso demográfico inclui:

• Clientes bancários pessoais: 342.000
• Clientes bancários de negócios: 83.000
• Clientes de gerenciamento de patrimônio: 100.000

Portfólio de produtos financeiros diversificados

Ofertas de produtos gerando receita em vários segmentos:

Categoria de produto	Receita anual
Empréstimos comerciais	US $ 287,6 milhões
Empréstimos ao consumidor	US $ 214,3 milhões
Empréstimos hipotecários	US $ 176,9 milhões
Serviços de investimento	US $ 95,4 milhões

Eastern Bankshares, Inc. (EBC) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas e indivíduos locais

A partir do quarto trimestre 2023, a Eastern Bankshares, Inc. ofereceu soluções bancárias personalizadas com uma carteira total de empréstimos comerciais de US $ 10,9 bilhões e empréstimos totais de consumidores de US $ 3,8 bilhões.

Categoria de empréstimo	Valor total
Empréstimos comerciais	US $ 10,9 bilhões
Empréstimos ao consumidor	US $ 3,8 bilhões

Experiência bancária digital conveniente

O Eastern Bank reportou 437.000 usuários de bancos digitais ativos em 2023, com Transações bancárias móveis aumentando em 22% ano a ano.

• Downloads de aplicativos bancários móveis: 127.000
• Penetração bancária online: 68% da base de clientes
• Volume de transação digital: 3,2 milhões de transações mensais

Taxas de juros competitivas e produtos financeiros

Produto	Taxa de juro
Conta de poupança pessoal	3.75%
Verificação de negócios	4.25%
Taxas de CD (12 meses)	5.10%

Forte abordagem bancária focada na comunidade

Em 2023, o Eastern Bankshares comprometeu US $ 42,5 milhões aos programas de desenvolvimento comunitário e suporte de negócios locais.

• Empréstimos para pequenas empresas: US $ 675 milhões
• Iniciativas de reinvestimento da comunidade: 37 projetos locais
• Suporte local sem fins lucrativos: US $ 8,3 milhões em subsídios

Serviços abrangentes de gerenciamento de patrimônio

A divisão de gerenciamento de patrimônio do Eastern Bank conseguiu US $ 6,2 bilhões em ativos em dezembro de 2023.

Segmento de gerenciamento de patrimônio	Total de ativos
Portfólios de investimento gerenciados	US $ 4,7 bilhões
Serviços de planejamento de aposentadoria	US $ 1,5 bilhão

Eastern Bankshares, Inc. (EBC) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

O Eastern Bank fornece atendimento ao cliente personalizado por meio de seus 120 filiais em Massachusetts e New Hampshire. A partir do quarto trimestre de 2023, o banco manteve 1.245.000 contas de clientes ativos.

Canal de serviço	Métrica de interação do cliente
Suporte no ramo	Média de 15.000 interações com o cliente por mês
Suporte telefônico	92% taxa de resolução de primeira linha
Gerentes de relacionamento bancário pessoal	387 gerentes de relacionamento dedicados

Suporte bancário digital e móvel

A plataforma bancária digital do Eastern Bank atende 678.000 usuários de banco digital ativo a partir de 2023.

• Downloads de aplicativos bancários móveis: 425.000
• Volume de transações online: 3,2 milhões de transações mensais
• Classificação de satisfação bancária digital: 4.6/5

Modelo bancário baseado em relacionamento

O Eastern Bank se concentra no relacionamento com os clientes de longo prazo com uma taxa média de retenção de clientes de 87% em 2023.

Segmento de clientes	Duração média do relacionamento
Bancos pessoais	8,3 anos
Banking de negócios	6,7 anos

Iniciativas de engajamento da comunidade

O Eastern Bank investiu US $ 4,2 milhões em programas de desenvolvimento comunitário durante 2023.

• Parcerias sem fins lucrativos locais: 127
• Patrocínio de eventos comunitários: 84
• Horário de voluntariado por funcionários: 12.500

Serviços de Consultoria Financeira regular

O Eastern Bank fornece serviços de consultoria financeira abrangentes em vários canais.

Tipo de serviço de consultoria	Volume anual do cliente
Consultas de gerenciamento de patrimônio	22.500 clientes
Sessões de planejamento de aposentadoria	15.300 consultas
Planejamento financeiro de pequenas empresas	8.700 clientes comerciais

Eastern Bankshares, Inc. (EBC) - Modelo de Negócios: Canais

Plataforma bancária online

A plataforma digital do Eastern Bank serve 1,2 milhão de usuários bancários on -line ativos a partir do quarto trimestre 2023. A plataforma processa aproximadamente 3,5 milhões de transações digitais mensais com uma confiabilidade de 99,8% no tempo de atividade.

Métrica de canal digital	2023 desempenho
Usuários online ativos	1,200,000
Transações digitais mensais	3,500,000
Tempo de atividade da plataforma	99.8%

Aplicativo bancário móvel

O aplicativo móvel do Eastern Bank foi baixado 750.000 vezes com uma classificação de usuário de 4,6/5. O aplicativo suporta Monitoramento de transações em tempo real, depósitos de cheque móvel e pagamentos ponto a ponto.

• Downloads de aplicativos móveis totais: 750.000
• Classificação do usuário do aplicativo móvel: 4.6/5
• Recursos suportados: monitoramento em tempo real, depósito de cheque móvel, pagamentos P2P

Rede de ramificação física

O leste de Bankshares opera 538 localizações de filiais físicas em Massachusetts e Rhode Island em dezembro de 2023.

Distribuição de ramificação	Número de locais
Filiais totais	538
Filiais de Massachusetts	510
Ramo de Rhode Island	28

Serviços ATM

O Eastern Bank fornece acesso a 685 ATMs, com 412 de propriedade diretamente e 273 através de redes de parceiros.

Rede ATM	Locais totais
ATMs totais	685
Caixas eletrônicos de propriedade de bancos	412
ATMs de rede de parceiros	273

Centros de atendimento ao cliente

O Eastern Bank opera três call centers de atendimento ao cliente lidando com aproximadamente 250.000 interações com os clientes mensalmente, com um tempo médio de resposta de 2,5 minutos.

• Número de call centers: 3
• Interações mensais do cliente: 250.000
• Tempo médio de resposta: 2,5 minutos

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Eastern Bank atende a aproximadamente 2.500 empresas pequenas e médias em Massachusetts. Portfólio total de empréstimos comerciais para PME: US $ 3,2 bilhões.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,200	$750,000
Serviços profissionais	850	US $ 1,1 milhão
Empresas de tecnologia	450	US $ 1,5 milhão

Residentes locais de Massachusetts

Base de clientes em Massachusetts: 535.000 titulares de contas individuais. Cobertura geográfica: 124 ramos em todo o estado.

• Renda familiar média dos clientes: US $ 89.500
• Saldo médio da conta de depósito: US $ 42.300
• Usuários de banco digital: 68% da base de clientes

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 385.000. Contas de corrente pessoal: 265.000.

Tipo de conta	Número de contas	Balanço médio
Contas de verificação	265,000	$22,500
Contas de poupança	215,000	$35,700
Contas do mercado monetário	95,000	$58,200

Indivíduos de alta rede

Clientes de gerenciamento de patrimônio: 12.500. Total de ativos sob gestão: US $ 4,3 bilhões.

• Patrimônio líquido médio do cliente: US $ 3,2 milhões
• Limite mínimo de investimento: US $ 500.000
• Receita de taxa de gerenciamento de patrimônio: US $ 42,5 milhões em 2023

Clientes bancários comerciais

Total de clientes bancários comerciais: 1.850. Portfólio de empréstimos comerciais: US $ 8,7 bilhões.

Setor da indústria	Número de clientes	Valor total do empréstimo
Imobiliária	650	US $ 3,2 bilhões
Assistência médica	350	US $ 1,9 bilhão
Fabricação	250	US $ 1,5 bilhão
Tecnologia	200	US $ 1,1 bilhão

Eastern Bankshares, Inc. (EBC) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

Para o ano fiscal de 2023, o Eastern Bankshares registrou despesas de tecnologia e equipamentos de US $ 46,1 milhões. O investimento total em infraestrutura tecnológica do banco inclui:

Categoria	Custo anual
Infraestrutura de TI	US $ 22,3 milhões
Sistemas de segurança cibernética	US $ 12,7 milhões
Plataformas bancárias digitais	US $ 11,1 milhões

Despesas de operação de ramificação

O Eastern Bankshares opera 245 agências em Massachusetts, com despesas anuais relacionadas à filial, totalizando US $ 87,3 milhões em 2023.

• Custos de ocupação: US $ 38,2 milhões
• Utilitários e manutenção: US $ 24,5 milhões
• Suprimentos operacionais de ramificação: US $ 14,6 milhões
• Infraestrutura de tecnologia de ramificação: US $ 10 milhões

Salários e benefícios dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 291,4 milhões, dividida da seguinte maneira:

Categoria de compensação	Quantia
Salários da base	US $ 198,6 milhões
Bônus de desempenho	US $ 42,3 milhões
Benefícios de saúde e aposentadoria	US $ 50,5 milhões

Custos de conformidade regulatória

As despesas de conformidade para o leste de Bankshares em 2023 totalizaram US $ 35,7 milhões, incluindo:

• Relatórios legais e regulatórios: US $ 15,2 milhões
• Salários do pessoal de conformidade: US $ 12,5 milhões
• Sistemas de tecnologia de conformidade: US $ 8 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 18,6 milhões, alocadas em vários canais:

Canal de marketing	Gastos
Marketing digital	US $ 7,4 milhões
Publicidade tradicional da mídia	US $ 6,2 milhões
Patrocínio da comunidade	US $ 3,1 milhões
Programas de aquisição de clientes	US $ 1,9 milhão

Eastern Bankshares, Inc. (EBC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, informou o Eastern Bankshares US $ 510,2 milhões na receita total de juros. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total em circulação
Imóveis comerciais	US $ 7,8 bilhões
Comercial & Empréstimos industriais	US $ 3,2 bilhões
Empréstimos hipotecários residenciais	US $ 4,5 bilhões
Empréstimos ao consumidor	US $ 1,1 bilhão

Serviços baseados em taxas

Receitas de serviço baseadas em taxas para 2023 totalizaram US $ 187,6 milhões, com os seguintes segmentos -chave:

• Encargos de serviço em contas de depósito: US $ 42,3 milhões
• Renda de intercâmbio: US $ 55,4 milhões
• Outras taxas de serviço: US $ 89,9 milhões

Taxas de investimento e gerenciamento de patrimônio

O leste de Bankshares gerados US $ 76,5 milhões em Taxas de Gerenciamento de Redação e Investimento em 2023, com ativos sob a administração atingindo US $ 4,2 bilhões.

Receita de transação bancária digital

As receitas de transações bancárias digitais para 2023 totalizaram US $ 34,2 milhões, representando um aumento de 12,7% em relação ao ano anterior. As principais métricas incluem:

Métrica bancária digital	2023 valor
Usuários bancários online	268,000
Usuários bancários móveis	223,000
Volume de transação digital	42,6 milhões de transações

Cobranças de serviço bancário comercial

As cobranças de serviço bancário comercial em 2023 alcançaram US $ 93,7 milhões, com a seguinte distribuição:

• Serviços de Gerenciamento do Tesouro: US $ 52,4 milhões
• Taxas bancárias corporativas: US $ 28,6 milhões
• Taxas bancárias internacionais: US $ 12,7 milhões

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.