BlastPoint's Banking Scorecard
Eastern Bank
Large
Specialty: Commercial
MA
FDIC cert 32773
Boston, MA
69
banks in Large tier nationally
1 in MA
View Large leaderboard (MA) →
Eastern Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.6B
+19.7% YoY
+20.2% QoQ
|
-$44.3B |
$74.9B
-4.4% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$22.8B
+29.8% YoY
+24.2% QoQ
|
-$23.7B |
$46.4B
-2.1% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$25.7B
+19.3% YoY
+20.0% QoQ
|
-$34.8B |
$60.5B
-4.5% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.39%
-25.8% YoY
|
-0.80% |
1.19%
+17.8% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.50%
+19.0% YoY
+1.0% QoQ
|
+0.04% |
3.46%
+13.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
54.83%
-16.9% YoY
+2.1% QoQ
|
-0.20% |
55.03%
-2.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.76%
-2.2% YoY
+100.4% QoQ
|
-0.12% |
0.88%
-0.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
88.74%
+8.7% YoY
+3.5% QoQ
|
+7.02% |
81.72%
+3.9% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
25.47%
-11.3% YoY
-8.2% QoQ
|
+5.50% |
19.97%
+0.5% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.56%
+6.0% YoY
+107.2% QoQ
|
+0.01% |
0.55%
+9.0% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.41%
-16.0% YoY
-7.2% QoQ
|
-0.92% |
13.33%
-0.7% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.55%
+2.6% YoY
+15.6% QoQ
|
-0.54% |
1.09%
+2.4% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 4%
in Large
Why this stands out
Current:
0.39%
(Tier avg: 1.19%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.47% · Tier avg: 19.97%
57
57th pctile
Efficiency Ratio
Current: 54.83% · Tier avg: 55.03%
55
55th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.46%
52
52th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.88%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.55%
38
38th pctile
Tier 1 Capital Ratio
Current: 12.41% · Tier avg: 13.33%
35
35th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 1.09%
34
34th pctile
Loan-to-Deposit Ratio
Current: 88.74% · Tier avg: 81.72%
30
30th pctile
Total Loans
Current: $22.8B · Tier avg: $46.4B
25
25th pctile
Total Deposits
Current: $25.7B · Tier avg: $60.5B
20
20th pctile
Total Assets
Current: $30.6B · Tier avg: $74.9B
4
4th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.19%
Top Weaknesses
4
4th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.19%
20
20th pctile
Total Assets
Current: $30.6B · Tier avg: $74.9B
25
25th pctile
Total Deposits
Current: $25.7B · Tier avg: $60.5B
30
30th pctile
Total Loans
Current: $22.8B · Tier avg: $46.4B
34
34th pctile
Loan-to-Deposit Ratio
Current: 88.74% · Tier avg: 81.72%
35
35th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 1.09%
38
38th pctile
Tier 1 Capital Ratio
Current: 12.41% · Tier avg: 13.33%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.55%
52
52th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.88%
55
55th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.46%
57
57th pctile
Efficiency Ratio
Current: 54.83% · Tier avg: 55.03%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.47% · Tier avg: 19.97%