{"id":12914,"date":"2026-01-23T19:18:53","date_gmt":"2026-01-23T19:18:53","guid":{"rendered":"https:\/\/lendingsensibly.com\/?p=12914"},"modified":"2026-01-23T19:18:54","modified_gmt":"2026-01-23T19:18:54","slug":"eastern-bankshares-inc-ebc-q4-2025-earnings-call-transcript","status":"publish","type":"post","link":"https:\/\/lendingsensibly.com\/?p=12914","title":{"rendered":"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript"},"content":{"rendered":"
\n

Operator<\/strong><\/span><\/p>\n

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

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. <\/p>\n

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. <\/p>\n

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. <\/p>\n

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

I would now like to turn the call over to Bob Rivers, Eastern Executive Chair and Chair of the Board of Directors.<\/p>\n<\/p><\/div>\n

\n

Robert Rivers<\/strong><\/span>
Executive Chairman of the Board<\/i><\/span><\/p>\n

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. <\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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<\/p>\n","protected":false},"author":1,"featured_media":525,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-12914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nEastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript | LendingSensibly<\/title>\n<meta name=\"description\" content=\"Operator Welcome to the Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Conference Call. . Please note, this event is being recorded for replay\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lendingsensibly.com\/?p=12914\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript | LendingSensibly\" \/>\n<meta property=\"og:description\" content=\"Operator Welcome to the Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Conference Call. . Please note, this event is being recorded for replay\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lendingsensibly.com\/?p=12914\" \/>\n<meta property=\"og:site_name\" content=\"LendingSensibly\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-23T19:18:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-23T19:18:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lendingsensibly.com\/wp-content\/uploads\/2023\/10\/og_image_1200-29b2bfe1a595477db6826bd2126c63ac2091efb7ec76347a8e7f81ba17e3de6c.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lendingsensibly.com\/?p=12914\",\"url\":\"https:\/\/lendingsensibly.com\/?p=12914\",\"name\":\"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript | LendingSensibly\",\"isPartOf\":{\"@id\":\"https:\/\/lendingsensibly.com\/#website\"},\"datePublished\":\"2026-01-23T19:18:53+00:00\",\"dateModified\":\"2026-01-23T19:18:54+00:00\",\"author\":{\"@id\":\"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e\"},\"description\":\"Operator Welcome to the Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Conference Call. . Please note, this event is being recorded for replay\",\"breadcrumb\":{\"@id\":\"https:\/\/lendingsensibly.com\/?p=12914#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/lendingsensibly.com\/?p=12914\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/lendingsensibly.com\/?p=12914#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/lendingsensibly.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/lendingsensibly.com\/#website\",\"url\":\"https:\/\/lendingsensibly.com\/\",\"name\":\"FinMarkPros\",\"description\":\"Latest Finance News and Updates\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/lendingsensibly.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/lendingsensibly.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/lendingsensibly.com\"],\"url\":\"https:\/\/lendingsensibly.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript | LendingSensibly","description":"Operator Welcome to the Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Conference Call. . Please note, this event is being recorded for replay","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lendingsensibly.com\/?p=12914","og_locale":"en_US","og_type":"article","og_title":"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript | LendingSensibly","og_description":"Operator Welcome to the Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Conference Call. . Please note, this event is being recorded for replay","og_url":"https:\/\/lendingsensibly.com\/?p=12914","og_site_name":"LendingSensibly","article_published_time":"2026-01-23T19:18:53+00:00","article_modified_time":"2026-01-23T19:18:54+00:00","og_image":[{"width":1200,"height":1200,"url":"https:\/\/lendingsensibly.com\/wp-content\/uploads\/2023\/10\/og_image_1200-29b2bfe1a595477db6826bd2126c63ac2091efb7ec76347a8e7f81ba17e3de6c.png","type":"image\/png"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/lendingsensibly.com\/?p=12914","url":"https:\/\/lendingsensibly.com\/?p=12914","name":"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript | LendingSensibly","isPartOf":{"@id":"https:\/\/lendingsensibly.com\/#website"},"datePublished":"2026-01-23T19:18:53+00:00","dateModified":"2026-01-23T19:18:54+00:00","author":{"@id":"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e"},"description":"Operator Welcome to the Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Conference Call. . Please note, this event is being recorded for replay","breadcrumb":{"@id":"https:\/\/lendingsensibly.com\/?p=12914#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lendingsensibly.com\/?p=12914"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/lendingsensibly.com\/?p=12914#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lendingsensibly.com\/"},{"@type":"ListItem","position":2,"name":"Eastern Bankshares, Inc. (EBC) Q4 2025 Earnings Call Transcript"}]},{"@type":"WebSite","@id":"https:\/\/lendingsensibly.com\/#website","url":"https:\/\/lendingsensibly.com\/","name":"FinMarkPros","description":"Latest Finance News and Updates","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lendingsensibly.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/lendingsensibly.com\/#\/schema\/person\/bba58c936ef25612e663af4208f0833e","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lendingsensibly.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/61700406310641358e8710e46179ca8b1a1beb6bc27b125bf3bf34fa7db4e240?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/lendingsensibly.com"],"url":"https:\/\/lendingsensibly.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts\/12914","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12914"}],"version-history":[{"count":1,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts\/12914\/revisions"}],"predecessor-version":[{"id":12915,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/posts\/12914\/revisions\/12915"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=\/wp\/v2\/media\/525"}],"wp:attachment":[{"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lendingsensibly.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}