Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript

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Operator

Welcome to the Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded for replay purposes.

In connection with today’s call, the company posted a presentation on its Investor Relations website, investor.easternbank.com, which will be referenced during the call.

Today’s call will include forward-looking statements. The company cautions investors that any forward-looking statement involves risks and uncertainties and is not a guarantee of future performance. Actual results may differ materially from those expressed or implied in the forward-looking statements due to a variety of factors These factors are described in the company’s earnings press release and most recent 10-K filed with the SEC.

Any forward-looking statements made represent management’s views and estimates as of today, and the company undertakes no obligation to update these statements because of new information or future events.

The company will also discuss both GAAP and certain non-GAAP financial measures. For reconciliations, please refer to the company’s earnings press release.

I would now like to turn the call over to Bob Rivers, Eastern Executive Chair and Chair of the Board of Directors.

Robert Rivers
Executive Chairman of the Board

Thank you, Joelle. Good morning, everyone, and thank you for joining our call. We hope your 2026 is off to a great start. With me today is Eastern’s CEO, Denis Sheahan; and our CFO, David Rosato.

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