0001628280-23-035309.txt : 20231026 0001628280-23-035309.hdr.sgml : 20231026 20231026162341 ACCESSION NUMBER: 0001628280-23-035309 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20231026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231026 DATE AS OF CHANGE: 20231026 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Eastern Bankshares, Inc. CENTRAL INDEX KEY: 0001810546 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-39610 FILM NUMBER: 231350475 BUSINESS ADDRESS: STREET 1: 265 FRANKLIN STREET CITY: BOSTON STATE: MA ZIP: 02110 BUSINESS PHONE: 617-897-1100 MAIL ADDRESS: STREET 1: 265 FRANKLIN STREET CITY: BOSTON STATE: MA ZIP: 02110 8-K 1 ebc-20231026.htm 8-K ebc-20231026
0001810546FALSE00018105462023-10-262023-10-26

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D)
OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of Earliest Event Reported): October 26, 2023
EASTERN BANKSHARES, INC.
(Exact Name of Registrant as Specified in Charter)
 
Massachusetts 001-39610 84-4199750
(State or Other Jurisdiction
of Incorporation or Organization)
 (Commission
File Number)
 (I.R.S. Employer
Identification No.)
265 Franklin Street 02110
Boston, MA
(Address of Principal Executive Offices) (Zip Code)
Registrant’s telephone number, including area code: (800) 327-8376
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class  Trading
Symbol(s)
  Name of each exchange
on which registered
Common Stock  EBC  Nasdaq Global Select Market
Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company  
If an emerging growth company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  



Item 2.02    Results of Operations and Financial Condition.

On October 26, 2023, Eastern Bankshares, Inc., a Massachusetts corporation (the “Company”) and the stock holding company for Eastern Bank, issued a press release in which it announced its earnings for the quarter ended September 30, 2023. A copy of the press release is furnished herewith as Exhibit 99.1.

Item 7.01    Regulation FD Disclosure.

In the press release announcing the Company's earnings for the quarter ended September 30, 2023, the Company announced the approval by its Board of Directors of a regular quarterly cash dividend of $0.11 per share payable on December 15, 2023 to shareholders of record on December 1, 2023.

In connection with issuing such press release, the Company posted an investor presentation in the “Presentations” section of the Company’s investor relations website at investor.easternbank.com on October 26, 2023.

Item 9.01    Financial Statements and Exhibits.
(d)Exhibits
ExhibitDescription
99.1
104Cover Page Interactive Data File (embedded within the Inline XBRL document)



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.
EASTERN BANKSHARES, INC.
DATE: October 26, 2023
By: /s/ James B. Fitzgerald
 James B. Fitzgerald
 Chief Financial Officer


EX-99.1 2 ebc-20230930xq32023earninga.htm EX-99.1 - Q3 2023 EARNINGS PRESS RELEASE Document
Exhibit 99.1
Eastern Bankshares, Inc. Reports Third Quarter 2023 Financial Results
~ Company Announces a 10% Increase to Quarterly Dividend ~

BOSTON, October 26, 2023 (BUSINESS WIRE) — Eastern Bankshares, Inc. (the “Company,” or together with its subsidiaries, “Eastern”) (NASDAQ Global Select Market: EBC), the stock holding company of Eastern Bank, today announced its 2023 third quarter financial results and the declaration of a quarterly cash dividend of $0.11 per share, representing a $0.01, or 10%, increase from the most recent quarterly dividend.

The release of the Company’s quarterly financial results follows its September 19, 2023 announcement of the sale of the insurance operations of Eastern Insurance Group, LLC (“Eastern Insurance”) (“the insurance transaction”) and the pending merger with Cambridge Bancorp (“Cambridge”) (“the merger”). Proceeds from the insurance transaction will allow Eastern to focus on the growth and strategic initiatives of its core banking business, including the merger with Cambridge. The merger will create a combined franchise with approximately $27 billion in total assets, create the largest bank-owned independent investment advisor in Massachusetts, and further solidify Eastern as the largest Boston-based mid-sized bank by deposits. On a combined basis, the transactions are financially compelling with expected earnings per share accretion in excess of 20% and an expected 10% improvement to the Company’s efficiency ratio.

“The strategic transactions we announced just last month mark the next step in our journey, and will enhance our Boston franchise, allowing us to better meet the needs of our customers and communities,” said Bob Rivers, Chief Executive Officer and Chair of the Board of Eastern Bankshares, Inc. and Eastern Bank. “We are on track to complete the insurance transaction next week. It’s been a remarkable effort by so many to get to the finish line, and I express my gratitude to Tim Lodge, President and Chief Executive Officer of Eastern Insurance, and his entire team. Regarding the merger with Cambridge, we have submitted all required regulatory merger applications and mobilized internal integration resources at both Eastern and Cambridge. I’m confident that the combined transactions will improve our focus, efficiency and profitability, as well as enhance our liquidity position as we continue to operate in a challenging environment.”

FINANCIAL HIGHLIGHTS FOR THE THIRD QUARTER OF 2023

Net income of $59.1 million, or $0.36 per diluted share, compared to net income of $48.7 million, or $0.30 per diluted share, for the prior quarter.
Operating net income*, which excludes the revenues, expenses, and tax provision of discontinued operations, of $52.1 million, or $0.32 per diluted share, compared to $41.1 million, or $0.25 per diluted share, for the prior quarter.
The insurance transaction triggered the elimination of a $14.6 million tax valuation allowance that was established as part of the sale of available-for-sale securities in the first quarter of 2023 (the “securities sale”).
The net interest margin on a fully tax equivalent basis held relatively steady at 2.77% as compared to 2.80% in the prior quarter.
Continued focus on efficiency with total operating noninterest expense of $98.7 million, essentially flat from the prior quarter.
Healthy balance sheet with 11.6% shareholders’ equity to assets, 8.7% tangible shareholders’ equity to tangible assets* and 16.0% common equity tier 1 capital ratio1. Borrowings and brokered deposits totaled 5.2% of assets.
Overall credit metrics remained strong with net charge-offs less than 1 basis point.
Board declared a 10% increase in the quarterly cash dividend to $0.11 per share.

Regarding the Company’s third quarter financial results, Mr. Rivers commented, “Our results continue to demonstrate our robust capital position and the strength of our franchise. We are confident in our earnings capacity and remain focused on long-term shareholder value, and the increase in our quarterly dividend is further evidence of that confidence and commitment.”

In September 2023, following the approval of the insurance transaction by the Company's Board of Directors and in accordance with applicable accounting rules, the Company classified its insurance operations as both held-for-sale and discontinued operations. Accordingly, the Consolidated Balance Sheets and Statements of Income present discontinued operations for the current period and were adjusted for prior periods on a retrospective basis. Please refer to Appendix G for the results of discontinued operations.

1 Regulatory capital ratios are preliminary estimates.
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BALANCE SHEET

Total assets were $21.1 billion at September 30, 2023, representing a decrease of $437.2 million, or 2%, from June 30, 2023.

Total securities decreased $267.9 million, or 5%, from the prior quarter, to $4.7 billion, due to a decrease in the market value of available-for-sale securities as well as principal runoff.
Total loans were $13.9 billion, representing a decrease of $42.6 million, or 0.3%, from the prior quarter. The decrease was driven primarily by the sale of approximately $192 million of Shared National Credit (“SNC”) loans from the commercial and industrial loan portfolio. This was partially offset by loan originations to core customers.
Deposits totaled $17.4 billion, representing a decrease of $756.8 million, or 4%, from the prior quarter caused primarily by a decrease in municipal deposits of approximately $375.0 million due in part to seasonality, as well as a decrease in brokered deposits of $305.9 million.
Borrowed funds increased $364.2 million from the prior quarter to $715.4 million in the third quarter, as Federal Home Loan Bank (“FHLB”) borrowings were used to replace certain maturing brokered CDs.
Shareholders’ equity was $2.4 billion, representing a decrease of $80.2 million from the prior quarter driven primarily by a decrease in accumulated other comprehensive income, partially offset by retained earnings. Please refer to Appendix D to this press release for a roll-forward of tangible shareholders’ equity*.
At September 30, 2023, book value per share was $13.87 and tangible book value per share* was $10.14.

NET INTEREST INCOME

Net interest income was $137.2 million for the third quarter of 2023, compared to $141.6 million in the prior quarter, representing a decrease of $4.4 million.

Net interest margin on a fully tax equivalent (“FTE”) basis* was 2.77% for the third quarter, representing a 3 basis point decrease from the second quarter, as higher funding costs more than offset increases in asset yields.
Total interest-earning asset yields increased 10 basis points from the prior quarter to 4.05%, due to increased loan and short-term investment yields as a result of higher interest rates during the quarter.
Total interest-bearing liabilities cost increased 20 basis points from the prior quarter to 1.99%, due primarily to higher deposit costs resulting from deposit pricing increases and deposit mix shifts.

NONINTEREST INCOME

Noninterest income, which excludes revenues from discontinued operations, was $19.2 million for the third quarter of 2023, compared to $26.2 million for the prior quarter, representing a decrease of $7.0 million. Noninterest income on an operating basis* was $20.7 million for the third quarter of 2023, compared to $23.2 million for the prior quarter, a decrease of $2.5 million.
Service charges on deposit accounts increased $0.2 million on a consecutive quarter basis to $7.4 million.
Trust and investment advisory fees increased $0.1 million on a consecutive quarter basis to $6.2 million.
Debit card processing fees decreased $0.1 million from the prior quarter to $3.4 million.
Loan-level interest rate swap income increased $0.9 million from the prior quarter to $1.7 million. The increase was driven by higher cash income due to higher customer swap transaction volume and an increase in the fair value adjustment of such transactions.
Losses from investments held in rabbi trust accounts were $1.5 million in the third quarter compared to gains of $3.0 million in the prior quarter due to investment performance.
In the third quarter, the Company incurred losses on sales of commercial and industrial loans totaling $2.7 million due to the sale of SNC loans. There were no sales in the prior quarter. The losses on sale were partially offset by the release of loan loss reserves totaling approximately $2.0 million associated with the sale of SNC loans.

NONINTEREST EXPENSE

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Noninterest expense, which excludes expenses from discontinued operations, was $101.7 million for the third quarter of 2023, compared to $99.9 million in the prior quarter, representing an increase of $1.8 million. Noninterest expense on an operating basis* for the third quarter of 2023 was $98.7 million, compared to $98.6 million in the prior quarter, an increase of $0.1 million.

Salaries and employee benefits expense was $60.9 million in the third quarter, representing a decrease of $1.3 million from the prior quarter.
Office occupancy and equipment expense was $8.6 million in the third quarter, a decrease of $0.4 million from the prior quarter.
Data processing expense was $13.4 million in the third quarter, an increase of $0.6 million from the prior quarter.
Professional services expense was $7.1 million in the third quarter, an increase of $4.1 million from the prior quarter, due primarily to merger and acquisition expenses of $3.6 million related to the planned merger with Cambridge.
Marketing expense was $1.8 million in the third quarter, a decrease of $0.3 million from the prior quarter.
Loan expenses were unchanged at $1.1 million in the third quarter.
Federal Deposit Insurance Corporation (“FDIC”) insurance expense was $2.8 million in the third quarter, a decrease of $0.2 million from the prior quarter.
Other noninterest expense was $5.5 million in the third quarter, a decrease of $0.6 million from the prior quarter.

DISCONTINUED OPERATIONS

Net loss from discontinued operations was $4.4 million in the third quarter, compared to net income of $4.2 million in the prior quarter, a decrease of $8.6 million.

In the third quarter of 2023, there were approximately $10.7 million of expenses associated with the insurance transaction, including the buyout of certain insurance producer contracts, professional services expenses, and real estate lease impairment charges.
Discontinued operations is excluded from operating net income.*

Please refer to Appendix G for additional information on discontinued operations.

INCOME TAXES

The income tax benefit for the third quarter was $16.2 million compared to income tax expense of $15.9 million in the prior quarter, a decrease of $32.1 million.

The insurance transaction triggered the elimination of a $14.6 million tax valuation allowance that was established as part of the securities sale in the first quarter of 2023. The elimination was made following the determination that the capital gain from the insurance transaction and the capital gain carrybacks would be greater than the previously incurred capital loss associated with the securities sale.
Excluding the impact of the tax valuation allowance elimination, the tax benefit for the third quarter is reflective of Eastern’s year-to-date net pre-tax loss position without consideration for any pre-tax gains resulting from the insurance transaction in the fourth quarter.

ASSET QUALITY

The allowance for loan losses was $155.1 million at September 30, 2023, or 1.12% of total loans, compared to $148.0 million, or 1.06% of total loans, at June 30, 2023. The Company recorded a provision for loan losses totaling $7.3 million in the third quarter of 2023 driven primarily by an increase in specific reserves associated with three commercial real estate loans collateralized by investor office real estate located in Boston’s financial district.

Non-performing loans totaled $47.5 million at September 30, 2023 compared to $30.6 million at the end of the prior quarter. The increase was driven by the non-accrual designation of the three aforementioned commercial real estate loans. During the third quarter of 2023, the Company recorded total net charge-offs of $0.1 million, or less than 0.01% of average total loans on an annualized basis, compared to $0.5 million or less than 0.01% of average total loans in the prior quarter, respectively.

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Please refer to the investor presentation for a review of the Company’s office-related commercial real estate exposure.

DIVIDENDS AND SHARE REPURCHASES

The Company’s Board of Directors has declared a quarterly cash dividend of $0.11 per common share, representing a $0.01, or 10%, increase from the prior quarter. The dividend will be payable on December 15, 2023 to shareholders of record as of the close of business on December 1, 2023.

The Company’s share repurchase authorization expired in August of 2023. The Company did not repurchase any shares of its common stock during the third quarter of 2023.


CONFERENCE CALL AND PRESENTATION INFORMATION

A conference call and webcast covering Eastern’s third quarter 2023 earnings will be held on Friday, October 27, 2023 at 9:00 a.m. Eastern Time. To join by telephone, participants can call the toll-free dial-in number (888) 259-6580 from within the U.S. and reference conference ID 50539618. The conference call will be simultaneously webcast. Participants may join the webcast on the Company’s Investor Relations website at investor.easternbank.com. A presentation providing additional information for the quarter is also available at investor.easternbank.com. A replay of the webcast will be made available on demand on this site.

ABOUT EASTERN BANKSHARES, INC.

Eastern Bankshares, Inc. is the stock holding company for Eastern Bank. Founded in 1818, Boston-based Eastern Bank has more than 120 locations serving communities in eastern Massachusetts, southern and coastal New Hampshire, and Rhode Island. As of September 30, 2023, Eastern Bank had approximately $21 billion in total assets. Eastern provides a full range of banking and wealth management solutions for consumers and businesses of all sizes, and takes pride in its outspoken advocacy and community support that includes $240 million in charitable giving since 1994. An inclusive company, Eastern employs approximately 2,100 deeply committed professionals who value relationships with their customers, colleagues, and communities. For investor information, visit investor.easternbank.com.

CONTACT

Investor Contact

Jillian Belliveau
Eastern Bankshares, Inc.
InvestorRelations@easternbank.com
781-598-7920

Media Contact

Andrea Goodman
Eastern Bank
a.goodman@easternbank.com
781-598-7847

NON-GAAP FINANCIAL MEASURES

*Denotes a non-GAAP financial measure used in this press release.

A non-GAAP financial measure is defined as a numerical measure of the Company’s historical or future financial performance, financial position or cash flows that excludes (or includes) amounts, or is subject to adjustments that have the effect of excluding (or including) amounts that are included in the most directly comparable measure calculated and presented in accordance with accounting principles generally accepted in the United States (“GAAP”) in the Company’s statement of income, balance sheet or statement of cash flows (or equivalent statements).
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The Company presents non-GAAP financial measures, which management uses to evaluate the Company’s performance, and which exclude the effects of certain transactions that management believes are unrelated to its core business and are therefore not necessarily indicative of its current performance or financial position. Management believes excluding these items facilitates greater visibility for investors into the Company’s core business as well as underlying trends that may, to some extent, be obscured by inclusion of such items in the corresponding GAAP financial measures. Except as otherwise indicated, these non-GAAP financial measures presented in this press release exclude discontinued operations. Please refer to Appendix G to this press release for further information regarding discontinued operations.

There are items in the Company’s financial statements that impact its financial results, but which management believes are unrelated to the Company’s core business. Accordingly, the Company presents noninterest income on an operating basis, total operating revenue, noninterest expense on an operating basis, operating net income, operating earnings per share, operating return on average assets, operating return on average shareholders’ equity, operating return on average tangible shareholders’ equity (discussed further below), and the operating efficiency ratio. Each of these figures excludes the impact of such applicable items because management believes such exclusion can provide greater visibility into the Company’s core business and underlying trends. Such items that management does not consider to be core to the Company’s business include (i) income and expenses from investments held in rabbi trusts, (ii) gains and losses on sales of securities available for sale, net, (iii) gains and losses on the sale of other assets, (iv) rabbi trust employee benefits, (v) impairment charges on tax credit investments and associated tax credit benefits, (vi) other real estate owned (“OREO”) gains, (vii) merger and acquisition expenses, (viii) the non-cash pension settlement charge recognized related to the Defined Benefit Plan, (ix) certain discrete tax items, and (x) net income from discontinued operations. The Company does not provide an outlook for its total noninterest income and total noninterest expense because each contains income or expense components, as applicable, such as income associated with rabbi trust accounts and rabbi trust employee benefit expense, which are market-driven, and over which the Company cannot exercise control. Accordingly, reconciliations of the Company’s outlook for its noninterest income on an operating basis and its noninterest expense on an operating basis to an outlook for total noninterest income and total noninterest expense, respectively, cannot be made available without unreasonable effort.

Management also presents tangible assets, tangible shareholders’ equity, average tangible shareholders’ equity, tangible book value per share, the ratio of tangible shareholders’ equity to tangible assets including the impact of mark-to-market adjustments on held-to-maturity securities, return on average tangible shareholders’ equity, and operating return on average shareholders’ equity (discussed further above), each of which excludes the impact of goodwill and other intangible assets, as management believes these financial measures provide investors with the ability to further assess the Company’s performance, identify trends in its core business and provide a comparison of its capital adequacy to other companies. The Company included the tangible ratios because management believes that investors may find it useful to have access to the same analytical tools used by management to assess performance and identify trends.

These non-GAAP financial measures presented in this press release should not be considered an alternative or substitute for financial results or measures determined in accordance with GAAP or as an indication of the Company’s cash flows from operating activities, a measure of its liquidity position or an indication of funds available for its cash needs. An item which management considers to be non-core and excludes when computing these non-GAAP measures can be of substantial importance to the Company’s results for any particular period. In addition, management’s methodology for calculating non-GAAP financial measures may differ from the methodologies employed by other banking companies to calculate the same or similar performance measures, and accordingly, the Company’s reported non-GAAP financial measures may not be comparable to the same or similar performance measures reported by other banking companies. Please refer to Appendices A-E for reconciliations of the Company's GAAP financial measures to the non-GAAP financial measures in this press release.

FORWARD-LOOKING STATEMENTS

This press release contains “forward-looking statements” within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements include statements regarding anticipated future events and can be identified by the fact that they do not relate strictly to historical or current facts. You can identify these statements from the use of the words “may,” “will,” “should,” “could,” “would,” “plan,” “potential,” “estimate,” “project,” “believe,” “intend,” “anticipate,” “expect,” “target” and similar expressions. Forward-looking statements, by their
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nature, are subject to risks and uncertainties. There are many factors that could cause actual results to differ materially from expected results described in the forward-looking statements.

Certain factors that could cause actual results to differ materially from expected results include; adverse developments in the level and direction of loan delinquencies and charge-offs and changes in estimates of the adequacy of the allowance for loan losses; increased competitive pressures; changes in interest rates and resulting changes in competitor or customer behavior, mix or costs of sources of funding, and deposit amounts and composition; risks associated with the Company’s completion and/or implementation of the merger with Cambridge, including risks that required regulatory, shareholder or other approvals for the merger are not obtained or other closing conditions are not satisfied in a timely manner or at all and that the merger fails to occur in the timeframe expected or at all; prior to the completion of the merger or thereafter, Cambridge or the Company may not perform as expected due to transaction-related uncertainty or other factors; and revenue or expense synergies may not fully materialize for the Company in the timeframe expected or at all, or may be more costly to achieve; risks associated with the disposition of Eastern Insurance, including risks that the disposition fails to occur in the timeframe expected or at all, does not provide the full expected economic or strategic benefits, or may be more costly to achieve; adverse national or regional economic conditions or conditions within the securities markets or banking sector; legislative and regulatory changes and related compliance costs that could adversely affect the business in which the Company and its subsidiary Eastern Bank are engaged, including the effect of, and changes in, monetary and fiscal policies and laws, such as the interest rate policies of the Board of Governors of the Federal Reserve System or a failure to raise the national debt ceiling; market and monetary fluctuations, including inflationary or recessionary pressures, interest rate sensitivity, liquidity constraints, increased borrowing and funding costs, and fluctuations due to actual or anticipated changes to federal tax laws; the realizability of deferred tax assets; the Company’s ability to successfully implement its risk mitigation strategies; asset and credit quality deterioration, including adverse developments in local or regional real estate markets that decrease collateral values associated with existing loans; and operational risks such as cybersecurity incidents, natural disasters, and pandemics, including COVID-19. For further discussion of such factors, please see the Company’s most recent Annual Report on Form 10-K and subsequent filings with the U.S. Securities and Exchange Commission (the “SEC”), which are available on the SEC’s website at www.sec.gov.

You should not place undue reliance on forward-looking statements, which reflect the Company's expectations only as of the date of this press release. The Company does not undertake any obligation to update forward-looking statements.

ADDITIONAL INFORMATION AND WHERE TO FIND IT

In connection with the proposed merger transaction, the Company intends to file with the SEC a Registration Statement on Form S-4 that will include a Joint Proxy Statement of the Company and Cambridge and a Prospectus of the Company (the “joint proxy statement/prospectus”), as well as other relevant documents concerning the proposed transaction. This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. INVESTORS AND SHAREHOLDERS OF THE COMPANY AND CAMBRIDGE ARE URGED TO READ THE REGISTRATION STATEMENT AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE TRANSACTION WHEN IT BECOMES AVAILABLE AND EACH OTHER RELEVANT DOCUMENT FILED WITH THE SEC, AS WELL AS ANY AMENDMENT OR SUPPLEMENT TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION. A copy of the definitive joint proxy statement/prospectus, as well as other filings containing information about the Company and Cambridge, can be obtained without charge, at the SEC’s website (http://www.sec.gov). Copies of the joint proxy statement/prospectus and the filings with the SEC that will be incorporated by reference in the joint proxy statement/prospectus can also be obtained, without charge, by directing a request to the Company’s Investor Relations team via email at InvestorRelations@easternbank.com or by telephone at (781) 598-7920, or to Cambridge Investor Relations via email at InvestorRelations@cambridgetrust.com or by telephone at (617) 520-5520.

PARTICIPANTS IN THE SOLICITATION

The Company, Cambridge, and their respective directors, executive officers and other members of management and employees may be deemed to be participants in the solicitation of proxies from the shareholders of the Company and/or Cambridge in connection with the proposed transaction under the
6


rules of the SEC. Information regarding the Company’s directors and executive officers is available in its definitive proxy statement relating to its 2023 Annual Meeting of Shareholders, which was filed with the SEC on April 3, 2023, and its Annual Report on Form 10-K for the year ended December 31, 2022, which was filed with the Commission on February 24, 2023, and other documents filed by the Company with the SEC. Information regarding Cambridge’s directors and executive officers is available in its definitive proxy statement relating to its 2023 Annual Meeting of Shareholders, which was filed with the SEC on March 16, 2023 and other documents filed by Cambridge with the SEC. Other information regarding the participants in the proxy solicitation and a description of their interests will be included in the joint proxy statement/prospectus and other relevant materials filed with the SEC, which may be obtained free of charge as described in the preceding paragraph.
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EASTERN BANKSHARES, INC. AND SUBSIDIARIES
SELECTED FINANCIAL HIGHLIGHTS

Certain information in this press release is presented as reviewed by the Company’s management and includes information derived from the Company’s Consolidated Statements of Income, non-GAAP financial measures, and operational and performance metrics. For information on non-GAAP financial measures, please see the section titled "Non-GAAP Financial Measures."

As of and for the three months ended
(Unaudited, dollars in thousands, except per-share data)Sep 30, 2023Jun 30, 2023Mar 31, 2023Dec 31, 2022Sep 30, 2022
Earnings data
Net interest income$137,205 $141,588 $138,309 $149,994 $152,179 
Noninterest income (loss) (1)19,157 26,204 (309,853)22,425 19,524 
Total revenue (1)156,362 167,792 (171,544)172,419 171,703 
Noninterest expense (1)101,748 99,934 95,891 112,583 95,765 
Pre-tax, pre-provision income (loss) (1)54,614 67,858 (267,435)59,836 75,938 
Provision for allowance for loan losses7,328 7,501 25 10,880 6,480 
Pre-tax income (loss) (1)47,286 60,357 (267,460)48,956 69,458 
Net income (loss) from continuing operations63,464 44,419 (202,081)40,918 52,808 
Net (loss) income from discontinued operations(4,351)4,238 7,985 1,376 1,969 
Net income (loss)59,113 48,657 (194,096)42,294 54,777 
Operating net income (non-GAAP) (1)52,085 41,092 53,134 48,570 53,602 
Per-share data
Earnings (losses) per share, basic and diluted$0.36 $0.30 $(1.20)$0.26 $0.33 
Continuing operations$0.39 $0.27 $(1.25)$0.25 $0.32 
Discontinued operations$(0.03)$0.03 $0.05 $0.01 $0.01 
Operating earnings per share, basic (non-GAAP) (1)$0.32 $0.25 $0.33 $0.30 $0.33 
Operating earnings per share, diluted (non-GAAP) (1)$0.32 $0.25 $0.33 $0.30 $0.33 
Book value per share$13.87 $14.33 $14.63 $14.03 $13.59 
Tangible book value per share (non-GAAP)$10.14 $10.59 $10.88 $10.28 $9.87 
Profitability
Return on average assets (1) (2)1.18 %0.81 %(3.64)%0.73 %0.93 %
Operating return on average assets (non-GAAP) (1)(2) 0.97 %0.75 %0.95 %0.86 %0.93 %
Return on average shareholders' equity (1) (2)9.91 %6.85 %(33.31)%6.71 %7.55 %
Operating return on average shareholders' equity (1)(2)8.14 %6.34 %8.76 %7.96 %7.66 %
Return on average tangible shareholders' equity (non-GAAP) (1)(2)13.38 %9.19 %(45.55)%9.23 %9.88 %
Operating return on average tangible shareholders' equity (non-GAAP) (1)(2)10.99 %8.50 %11.98 %10.95 %10.03 %
Net interest margin (FTE) (2)2.77 %2.80 %2.66 %2.81 %2.87 %
Cost of deposits (2)1.33 %1.22 %0.92 %0.37 %0.10 %
Efficiency ratio (1)65.07 %59.56 %(55.90)%65.30 %55.77 %
Operating efficiency ratio (non-GAAP) (1)60.83 %58.47 %57.97 %57.26 %54.49 %
Balance Sheet (end of period)
Total assets$21,146,292 $21,583,493 $22,720,530 $22,646,858 $22,042,933 
Total loans13,919,275 13,961,878 13,675,250 13,575,531 12,903,954 
Total deposits17,424,169 18,180,972 18,541,580 18,974,359 18,733,381 
Total loans / total deposits80 %77 %74 %72 %69 %
Asset quality
Allowance for loan losses ("ALLL")$155,146 $147,955 $140,938 $142,211 $131,663 
ALLL / total nonperforming loans ("NPLs")326.86 %484.18 %407.65 %368.38 %387.77 %
Total NPLs / total loans0.34 %0.22 %0.25 %0.28 %0.26 %
Net charge-offs (recoveries) ("NCOs") / average total loans (2)0.00 %0.01 %0.00 %0.01 %0.01 %
Capital adequacy
Shareholders' equity / assets11.57 %11.71 %11.35 %10.91 %10.96 %
Tangible shareholders' equity / tangible assets (non-GAAP)8.73 %8.93 %8.70 %8.24 %8.20 %
(1) Excludes discontinued operations.
(2) Presented on an annualized basis.
8


EASTERN BANKSHARES, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
As ofSep 30, 2023 change from
(Unaudited, dollars in thousands)Sep 30, 2023Jun 30, 2023Sep 30, 2022Jun 30, 2023Sep 30, 2022
ASSETS△ $△ %△ $△ %
Cash and due from banks$72,689 $105,066 $102,776 $(32,377)(31)%$(30,087)(29)%
Short-term investments536,119 768,436 55,661 (232,317)(30)%480,458 863 %
Cash and cash equivalents608,808 873,502 158,437 (264,694)(30)%450,371 284 %
Available for sale ("AFS") securities4,261,518 4,520,293 6,844,615 (258,775)(6)%(2,583,097)(38)%
Held to maturity ("HTM") securities455,900 465,061 481,963 (9,161)(2)%(26,063)(5)%
Total securities4,717,418 4,985,354 7,326,578 (267,936)(5)%(2,609,160)(36)%
Loans held for sale23,892 2,835 951 21,057 743 %22,941 2412 %
Loans:
Commercial and industrial3,087,509 3,341,976 3,023,729 (254,467)(8)%63,780 %
Commercial real estate5,396,912 5,242,290 4,985,654 154,622 %411,258 %
Commercial construction382,615 371,367 314,193 11,248 %68,422 22 %
Business banking1,087,799 1,089,548 1,096,436 (1,749)— %(8,637)(1)%
Total commercial loans9,954,835 10,045,181 9,420,012 (90,346)(1)%534,823 %
Residential real estate2,550,861 2,510,705 2,118,852 40,156 %432,009 20 %
Consumer home equity1,193,859 1,198,290 1,168,476 (4,431)— %25,383 %
Other consumer219,720 207,702 196,614 12,018 %23,106 12 %
Total loans13,919,275 13,961,878 12,903,954 (42,603)— %1,015,321 %
Allowance for loan losses(155,146)(147,955)(131,663)(7,191)%(23,483)18 %
Unamortized prem./disc. and def. fees(19,307)(15,202)(19,349)(4,105)27 %42 — %
Net loans13,744,822 13,798,721 12,752,942 (53,899)— %991,880 %
Federal Home Loan Bank stock, at cost37,125 26,894 18,714 10,231 38 %18,411 98 %
Premises and equipment59,033 59,421 63,022 (388)(1)%(3,989)(6)%
Bank-owned life insurance163,700 162,718 159,838 982 %3,862 %
Goodwill and other intangibles, net566,709 567,213 568,308 (504)— %(1,599)— %
Deferred income taxes, net416,081 352,060 342,937 64,021 18 %73,144 21 %
Prepaid expenses156,113 157,675 180,234 (1,562)(1)%(24,121)(13)%
Other assets527,873 476,074 342,435 51,799 11 %185,438 54 %
Assets of discontinued operations124,718 121,026 128,537 3,692 %(3,819)(3)%
Total assets$21,146,292 $21,583,493 $22,042,933 $(437,201)(2)%$(896,641)(4)%
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Demand$5,177,015 $5,346,693 $6,582,122 $(169,678)(3)%$(1,405,107)(21)%
Interest checking accounts3,671,871 4,173,079 5,047,018 (501,208)(12)%(1,375,147)(27)%
Savings accounts1,393,545 1,495,540 1,990,188 (101,995)(7)%(596,643)(30)%
Money market investment4,709,149 4,814,412 4,757,477 (105,263)(2)%(48,328)(1)%
Certificates of deposit2,472,589 2,351,248 356,576 121,341 %2,116,013 593 %
Total deposits17,424,169 18,180,972 18,733,381 (756,803)(4)%(1,309,212)(7)%
Borrowed funds:
Federal Home Loan Bank advances673,525 314,021 384,215 359,504 114 %289,310 75 %
Escrow deposits of borrowers24,947 22,980 21,853 1,967 %3,094 14 %
Interest rate swap collateral funds16,900 14,210 16,650 2,690 19 %250 %
Total borrowed funds715,372 351,211 422,718 364,161 104 %292,654 69 %
Other liabilities525,378 488,007 428,663 37,371 %96,715 23 %
Liabilities of discontinued operations34,820 36,531 42,008 (1,711)(5)%(7,188)(17)%
Total liabilities18,699,739 19,056,721 19,626,770 (356,982)(2)%(927,031)(5)%
Shareholders' equity:
Common shares1,766 1,766 1,778 — — %(12)(1)%
Additional paid-in capital 1,661,136 1,656,750 1,676,396 4,386 — %(15,260)(1)%
Unallocated common shares held by the employee stock ownership plan ("ESOP")(133,992)(135,232)(138,950)1,240 (1)%4,958 (4)%
Retained earnings1,747,225 1,704,470 1,855,757 42,755 %(108,532)(6)%
Accumulated other comprehensive income ("AOCI"), net of tax(829,582)(700,982)(978,818)(128,600)18 %149,236 (15)%
Total shareholders' equity2,446,553 2,526,772 2,416,163 (80,219)(3)%30,390 %
Total liabilities and shareholders' equity$21,146,292 $21,583,493 $22,042,933 $(437,201)(2)%$(896,641)(4)%
9


EASTERN BANKSHARES, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
Three months endedThree months ended Sep 30, 2023 change from three months ended
(Unaudited, dollars in thousands, except per-share data)Sep 30, 2023Jun 30, 2023Sep 30, 2022Jun 30, 2023Sep 30, 2022
Interest and dividend income:△ $△ %△ $△ %
Interest and fees on loans$169,274 $160,862 $124,992 $8,412 %$44,282 35 %
Taxable interest and dividends on securities24,191 24,618 29,280 (427)(2)%(5,089)(17)%
Non-taxable interest and dividends on securities1,434 1,434 1,917 — — %(483)(25)%
Interest on federal funds sold and other short-term investments7,269 14,851 1,638 (7,582)(51)%5,631 344 %
Total interest and dividend income202,168 201,765 157,827 403 — %44,341 28 %
Interest expense:
Interest on deposits59,607 56,146 4,781 3,461 %54,826 1147 %
Interest on borrowings5,356 4,031 867 1,325 33 %4,489 518 %
Total interest expense64,963 60,177 5,648 4,786 %59,315 1050 %
Net interest income137,205 141,588 152,179 (4,383)(3)%(14,974)(10)%
Provision for allowance for loan losses7,328 7,501 6,480 (173)(2)%848 13 %
Net interest income after provision for allowance for loan losses129,877 134,087 145,699 (4,210)(3)%(15,822)(11)%
Noninterest income:
Service charges on deposit accounts7,403 7,242 6,708 161 %695 10 %
Trust and investment advisory fees6,235 6,131 5,832 104 %403 %
Debit card processing fees3,388 3,513 3,249 (125)(4)%139 %
Interest rate swap income1,695 825 1,562 870 105 %133 %
(Losses) income from investments held in rabbi trusts(1,523)3,002 (2,248)(4,525)(151)%725 (32)%
Losses on sales of commercial and industrial loans(2,651)— — (2,651)— %(2,651)— %
(Losses) gains on sales of mortgage loans held for sale, net(164)(50)22 (114)228 %(186)(845)%
Losses on sales of securities available for sale, net— — (198)— — %198 (100)%
Other4,774 5,541 4,597 (767)(14)%177 %
Total noninterest income19,157 26,204 19,524 (7,047)(27)%(367)(2)%
Noninterest expense:
Salaries and employee benefits60,898 62,183 61,292 (1,285)(2)%(394)(1)%
Office occupancy and equipment8,641 9,067 8,880 (426)(5)%(239)(3)%
Data processing13,443 12,814 12,242 629 %1,201 10 %
Professional services7,125 3,025 4,218 4,100 136 %2,907 69 %
Marketing expenses1,765 2,111 2,118 (346)(16)%(353)(17)%
Loan expenses1,082 1,115 2,211 (33)(3)%(1,129)(51)%
Federal Deposit Insurance Corporation ("FDIC") insurance2,808 3,034 1,578 (226)(7)%1,230 78 %
Amortization of intangible assets504 504 299 — — %205 69 %
Other5,482 6,081 2,927 (599)(10)%2,555 87 %
Total noninterest expense101,748 99,934 95,765 1,814 %5,983 %
Income before income tax (benefit) expense47,286 60,357 69,458 (13,071)(22)%(22,172)(32)%
Income tax (benefit) expense (16,178)15,938 16,650 (32,116)(202)%(32,828)(197)%
Net income from continuing operations$63,464 $44,419 $52,808 $19,045 43 %$10,656 20 %
Net (loss) income from discontinued operations$(4,351)$4,238 $1,969 $(8,589)(203)%$(6,320)(321)%
Net income$59,113 $48,657 $54,777 $10,456 21 %$4,336 %
Share data:
Weighted average common shares outstanding, basic162,370,469162,232,236163,718,962138,233 %(1,348,493)(1)%
Weighted average common shares outstanding, diluted162,469,887162,246,675164,029,649223,212 %(1,559,762)(1)%
Earnings (loss) per share, basic:
Continuing operations$0.39 $0.27 $0.32 $0.12 43 %$0.07 21 %
Discontinued operations$(0.03)$0.03 $0.01 $(0.05)(203)%$(0.04)(323)%
Earnings per share, basic$0.36 $0.30 $0.33 $0.06 21 %$0.03 %
Earnings (loss) per share, diluted:
Continuing operations$0.39 $0.27 $0.32 $0.12 43 %$0.07 21 %
Discontinued operations$(0.03)$0.03 $0.01 $(0.05)(203)%$(0.04)(323)%
Earnings per share, diluted$0.36 $0.30 $0.33 $0.06 21 %$0.03 %
10


EASTERN BANKSHARES, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME


Nine months ended
(Unaudited, dollars in thousands, except per-share data)Sep 30, 2023Sep 30, 2022Change
Interest and dividend income:△ $△ %
Interest and fees on loans$483,676 $333,595 $150,081 45 %
Taxable interest and dividends on securities77,451 88,277 (10,826)(12)%
Non-taxable interest and dividends on securities4,302 5,585 (1,283)(23)%
Interest on federal funds sold and other short-term investments27,384 2,726 24,658 905 %
Total interest and dividend income592,813 430,183 162,630 38 %
Interest expense:
Interest on deposits158,686 11,164 147,522 1321 %
Interest on borrowings17,025 959 16,066 1675 %
Total interest expense175,711 12,123 163,588 1349 %
Net interest income417,102 418,060 (958)— %
Provision for allowance for loan losses14,854 7,045 7,809 111 %
Net interest income after provision for allowance for loan losses402,248 411,015 (8,767)(2)%
Noninterest income:
Service charges on deposit accounts21,117 23,558 (2,441)(10)%
Trust and investment advisory fees18,136 17,967 169 %
Debit card processing fees10,071 9,417 654 %
Interest rate swap income2,112 6,087 (3,975)(65)%
Income (losses) from investments held in rabbi trusts4,336 (13,997)18,333 (131)%
Losses on sales from sales of commercial and industrial loans(2,651)— (2,651)— %
(Losses) gains on sales of mortgage loans held for sale, net(288)240 (528)(220)%
Losses on sales of securities available for sale, net(333,170)(2,474)(330,696)13367 %
Other15,845 13,527 2,318 17 %
Total noninterest (loss) income(264,492)54,325 (318,817)(587)%
Noninterest expense:
Salaries and employee benefits185,264 171,525 13,739 %
Office occupancy and equipment26,797 28,804 (2,007)(7)%
Data processing38,555 39,711 (1,156)(3)%
Professional services13,277 11,510 1,767 15 %
Marketing expenses4,899 6,262 (1,363)(22)%
Loan expenses3,292 5,757 (2,465)(43)%
Federal Deposit Insurance Corporation ("FDIC") insurance8,388 4,710 3,678 78 %
Amortization of intangible assets1,299 899 400 44 %
Other15,802 6,888 8,914 129 %
Total noninterest expense297,573 276,066 21,507 %
(Loss) income before income tax (benefit) expense(159,817)189,274 (349,091)(184)%
Income tax (benefit) expense(65,619)43,681 (109,300)(250)%
Net (loss) income from continuing operations(94,198)145,593 (239,791)(165)%
Net income from discontinued operations7,872 11,872 (4,000)(34)%
Net (loss) income$(86,326)$157,465 $(243,791)(155)%
Share data:
Weighted average common shares outstanding, basic162,199,158 166,682,222 (4,483,064)(3)%
Weighted average common shares outstanding, diluted162,260,503 166,867,643 (4,607,140)(3)%
Earnings (loss) per share, basic:
Continuing operations$(0.58)$0.87 $(1.45)(167)%
Discontinued operations$0.05 $0.07 $(0.02)(29)%
(Loss) earnings per share, basic$(0.53)$0.94 $(1.47)(156)%
Earnings (loss) per share, diluted:
Continuing operations$(0.58)$0.87 $(1.45)(167)%
Discontinued operations$0.05 $0.07 $(0.02)(29)%
(Loss) earnings per share, diluted$(0.53)$0.94 $(1.47)(156)%
11


EASTERN BANKSHARES, INC. AND SUBSIDIARIES
AVERAGE BALANCES, INTEREST EARNED/PAID, & AVERAGE YIELDS

As of and for the three months ended
Sep 30, 2023Jun 30, 2023Sep 30, 2022
(Unaudited, dollars in thousands)Avg. BalanceInterestYield / Cost (5)Avg. BalanceInterestYield / Cost (5)Avg. BalanceInterestYield / Cost (5)
Interest-earning assets:
Loans (1):
Commercial$9,988,712 $128,051 5.09 %$9,920,608 $121,319 4.91 %$9,138,029 $96,270 4.18 %
Residential2,553,150 22,988 3.57 %2,513,941 21,992 3.51 %2,043,219 15,811 3.07 %
Consumer1,386,350 22,227 6.36 %1,370,011 21,045 6.16 %1,341,528 16,072 4.75 %
Total loans13,928,212 173,266 4.94 %13,804,560 164,356 4.78 %12,522,776 128,153 4.06 %
Investment securities5,777,173 26,009 1.79 %5,885,545 26,435 1.80 %8,716,105 31,708 1.44 %
Federal funds sold and other short-term investments537,602 7,269 5.36 %1,174,964 14,851 5.07 %282,629 1,638 2.30 %
Total interest-earning assets20,242,987 206,544 4.05 %20,865,069 205,642 3.95 %21,521,510 161,499 2.98 %
Non-interest-earning assets1,033,879 1,084,413 911,025 
Total assets$21,276,866 $21,949,482 $22,432,535 
Interest-bearing liabilities:
Deposits:
Savings$1,441,636 $43 0.01 %$1,552,702 $47 0.01 %$2,021,125 $51 0.01 %
Interest checking3,903,062 6,302 0.64 %4,270,945 6,141 0.58 %5,211,914 2,686 0.20 %
Money market4,836,895 27,695 2.27 %5,064,469 26,611 2.11 %4,824,452 1,893 0.16 %
Time deposits2,341,684 25,567 4.33 %2,275,844 23,347 4.11 %380,560 151 0.16 %
Total interest-bearing deposits12,523,277 59,607 1.89 %13,163,960 56,146 1.71 %12,438,051 4,781 0.15 %
Borrowings414,252 5,356 5.13 %348,597 4,031 4.64 %157,686 867 2.18 %
Total interest-bearing liabilities12,937,529 64,963 1.99 %13,512,557 60,177 1.79 %12,595,737 5,648 0.18 %
Demand deposit accounts5,257,704 5,332,045 6,614,467 
Other noninterest-bearing liabilities541,827 505,555 445,640 
Total liabilities18,737,060 19,350,157 19,655,844 
Shareholders' equity2,539,806 2,599,325 2,776,691 
Total liabilities and shareholders' equity$21,276,866 $21,949,482 $22,432,535 
Net interest income - FTE$141,581 $145,465 $155,851 
Net interest rate spread (2)2.06 %2.16 %2.80 %
Net interest-earning assets (3)$7,305,458 $7,352,512 $8,925,773 
Net interest margin - FTE (4)2.77 %2.80 %2.87 %
(1) Includes non-accrual loans.
(2) Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(3) Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(4) Net interest margin - FTE represents fully-taxable equivalent net interest income* divided by average total interest-earning assets. Please refer to Appendix B to this press release for a reconciliation of fully-taxable equivalent net interest income.
(5) Presented on an annualized basis.
12


EASTERN BANKSHARES, INC. AND SUBSIDIARIES
AVERAGE BALANCES, INTEREST EARNED/PAID, & AVERAGE YIELDS

As of and for the nine months ended
Sep 30, 2023Sep 30, 2022
(Unaudited, dollars in thousands)Avg. BalanceInterestYield / Cost (5)Avg. BalanceInterestYield / Cost (5)
Interest-earning assets:
Loans (1):
Commercial$9,892,337 $365,298 4.94 %$9,019,196 $258,082 3.83 %
Residential2,526,980 66,593 3.52 %1,980,630 44,966 3.04 %
Consumer1,371,761 63,333 6.17 %1,315,136 38,016 3.86 %
Total loans13,791,078 495,224 4.80 %12,314,962 341,064 3.70 %
Non-taxable investment securities197,744 5,452 3.69 %264,717 7,072 3.57 %
Taxable investment securities6,244,397 77,451 1.66 %8,484,540 88,277 1.39 %
Total investment securities6,442,141 82,903 1.72 %8,749,257 95,349 1.46 %
Federal funds sold and other short-term investments721,025 27,384 5.08 %541,285 2,726 0.67 %
Total interest-earning assets20,954,244 605,511 3.86 %21,605,504 439,139 2.72 %
Non-interest-earning assets952,378 1,099,406 
Total assets$21,906,622 $22,704,910 
Interest-bearing liabilities:
Deposits:
Savings$1,570,803 $172 0.01 %$2,046,254 $153 0.01 %
Interest checking4,177,492 17,155 0.55 %4,897,321 6,778 0.19 %
Money market4,979,820 74,612 2.00 %5,151,384 3,559 0.09 %
Time deposits2,184,631 66,747 4.08 %429,401 674 0.21 %
Total interest-bearing deposits12,912,746 158,686 1.64 %12,524,360 11,164 0.12 %
Borrowings478,347 17,025 4.76 %75,027 959 1.71 %
Total interest-bearing liabilities13,391,093 175,711 1.75 %12,599,387 12,123 0.13 %
Demand deposit accounts5,469,593 6,698,640 
Other noninterest-bearing liabilities512,546 436,724 
Total liabilities19,373,232 19,734,751 
Shareholders' equity2,533,390 2,970,159 
Total liabilities and shareholders' equity$21,906,622 $22,704,910 
Net interest income - FTE$429,800 $427,016 
Net interest rate spread (2)2.11 %2.59 %
Net interest-earning assets (3)$7,563,151 $9,006,117 
Net interest margin - FTE (4)2.74 %2.64 %
(1) Includes non-accrual loans.
(2) Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(3) Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(4) Net interest margin - FTE represents fully-taxable equivalent net interest income* divided by average total interest-earning assets. Please refer to Appendix B to this press release for a reconciliation of fully-taxable equivalent net interest income.
(5) Presented on an annualized basis.
13


EASTERN BANKSHARES, INC. AND SUBSIDIARIES
ASSET QUALITY - NON-PERFORMING ASSETS (1)

As of
Sep 30, 2023Jun 30, 2023Mar 31, 2023Dec 31, 2022Sep 30, 2022
(Unaudited, dollars in thousands)
Non-accrual loans:
Commercial$31,703 $14,178 $17,271 $21,474 $19,886 
Residential8,075 8,796 9,603 9,750 8,513 
Consumer7,687 7,584 7,699 7,380 5,555 
Total non-accrual loans47,465 30,558 34,573 38,604 33,954 
Total accruing loans past due 90 days or more:— — — — — 
Total non-performing loans47,465 30,558 34,573 38,604 33,954 
Other real estate owned— — — — — 
Other non-performing assets:— — — — — 
Total non-performing assets (1)$47,465 $30,558 $34,573 $38,604 $33,954 
Total accruing troubled debt restructured ("TDR") (2)$— $— $— $28,834 $36,275 
Total non-performing loans to total loans0.34 %0.22 %0.25 %0.28 %0.26 %
Total non-performing assets to total assets0.22 %0.14 %0.15 %0.17 %0.15 %
(1) Non-performing assets are comprised of NPLs, other real estate owned ("OREO"), and non-performing securities. NPLs consist of non-accrual loans and loans that are more than 90 days past due but still accruing interest. OREO consists of real estate properties, which primarily serve as collateral to secure the Company’s loans, that it controls due to foreclosure or acceptance of a deed in lieu of foreclosure.
(2) The Company adopted ASU 2022-02 on January 1, 2023 which eliminated the TDR recognition and measurement guidance. Accordingly, the Company had no TDRs to report as of March 31, 2023 and subsequent periods.
14


EASTERN BANKSHARES, INC. AND SUBSIDIARIES
ASSET QUALITY - PROVISION, ALLOWANCE, AND NET CHARGE-OFFS (RECOVERIES)

Three months ended
Sep 30, 2023Jun 30, 2023Mar 31, 2023Dec 31, 2022Sep 30, 2022
(Unaudited, dollars in thousands)
Average total loans$13,926,194 $13,803,292 $13,633,165 $13,203,450 $12,521,426 
Allowance for loan losses, beginning of the period147,955 140,938 142,211 131,663 125,531 
Total cumulative effect of change in accounting principle (1):— — (1,143)— — 
Charged-off loans:
Commercial and industrial11 — — 256 11 
Commercial real estate— — — — — 
Commercial construction— — — — — 
Business banking303 254 343 370 369 
Residential real estate— — — — — 
Consumer home equity— — — 
Other consumer731 591 561 515 603 
Total charged-off loans1,045 845 911 1,142 983 
Recoveries on loans previously charged-off:
Commercial and industrial120 26 139 248 126 
Commercial real estate38 
Commercial construction— — — — — 
Business banking609 204 481 391 286 
Residential real estate30 18 15 14 56 
Consumer home equity39 — 
Other consumer108 111 116 111 158 
Total recoveries908 361 756 810 635 
Net loans charged-off (recoveries):
Commercial and industrial(109)(26)(139)(115)
Commercial real estate(2)(2)(4)(38)(3)
Commercial construction— — — — — 
Business banking(306)50 (138)(21)83 
Residential real estate(30)(18)(15)(14)(56)
Consumer home equity(39)— (7)(6)
Other consumer623 480 445 404 445 
Total net loans charged-off137 484 155 332 348 
Provision for allowance for loan losses7,328 7,501 25 10,880 6,480 
Total allowance for loan losses, end of period$155,146 $147,955 $140,938 $142,211 $131,663 
Net charge-offs to average total loans outstanding during this period (2)0.00 %0.01 %0.00 %0.01 %0.01 %
Allowance for loan losses as a percent of total loans1.12 %1.06 %1.03 %1.05 %1.02 %
Allowance for loan losses as a percent of nonperforming loans326.86 %484.18 %407.65 %368.38 %387.77 %
(1) For the quarter ended March 31, 2023, represents the adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2022-02 (i.e., cumulative effect adjustment related to the adoption of ASU 2022-02 as of January 1, 2023). The adjustment represents a $1.1 million decrease to the allowance attributable to the change in accounting methodology for estimating the allowance for loan losses resulting from the Company’s adoption of the standard.
(2) Presented on an annualized basis.
15


APPENDIX A: Reconciliation of Non-GAAP Earnings Metrics

For information on non-GAAP financial measures, please see the section titled "Non-GAAP Financial Measures."
As of and for the Three Months Ended
(Unaudited, dollars in thousands, except per-share data)Sep 30, 2023Jun 30, 2023Mar 31, 2023Dec 31, 2022Sep 30, 2022
Net income (loss) from continuing operations (GAAP)$63,464 $44,419 $(202,081)$40,918 $52,808 
Add:
Noninterest income components:
Losses (income) from investments held in rabbi trusts1,523 (3,002)(2,857)(3,235)2,248 
Losses on sales of securities available for sale, net— — 333,170 683 198 
Gains (losses) on sales of other assets(2)— 10 (467)
Noninterest expense components:
Rabbi trust employee benefit (income) expense(586)1,314 1,274 1,103 (867)
Merger and acquisition expenses3,630 — — — — 
Defined Benefit Plan settlement loss— — — 12,045 — 
Total impact of non-GAAP adjustments4,565 (1,688)331,592 10,606 1,112 
Less net tax benefit associated with non-GAAP adjustments (2)15,944 1,639 76,377 2,954 318 
Non-GAAP adjustments, net of tax$(11,379)$(3,327)$255,215 $7,652 $794 
Operating net income (non-GAAP) $52,085 $41,092 $53,134 $48,570 $53,602 
Weighted average common shares outstanding during the period:
Basic162,370,469 162,232,236 161,991,373 162,032,522 163,718,962 
Diluted162,469,887 162,246,675 162,059,431 162,263,547 164,029,649 
Earnings (losses) per share from continuing operations, basic:$0.39 $0.27 $(1.25)$0.25 $0.32 
Earnings (losses) per share from continuing operations, diluted:$0.39 $0.27 $(1.25)$0.25 $0.32 
Operating earnings per share, basic (non-GAAP) $0.32 $0.25 $0.33 $0.30 $0.33 
Operating earnings per share, diluted (non-GAAP) $0.32 $0.25 $0.33 $0.30 $0.33 
Return on average assets (3)1.18 %0.81 %(3.64)%0.73 %0.93 %
Add:
Losses (income) from investments held in rabbi trusts (3)0.03%(0.05)%(0.05)%(0.06)%0.04%
Losses on sales of securities available for sale, net (3)0.00%0.00%6.00%0.01%0.00%
Gains (losses) on sales of other assets (3)0.00%0.00%0.00%0.00%(0.01)%
Rabbi trust employee benefit (income) expense (3)(0.01)%0.02%0.02%0.02%(0.02)%
Merger and acquisition expenses (3)0.07%0.00%0.00%0.00%0.00%
Defined Benefit Plan settlement loss (3)0.00%0.00%0.00%0.21%0.00%
Less net tax benefit associated with non-GAAP adjustments (2) (3)0.30%0.03%1.38%0.05%0.01%
Operating return on average assets (non-GAAP) (3)0.97 %0.75 %0.95 %0.86 %0.93 %
Return on average shareholders' equity (3)9.91 %6.85 %(33.31)%6.71 %7.55 %
Add:
Losses (income) from investments held in rabbi trusts (3)0.24%(0.46)%(0.47)%(0.53)%0.32%
Losses on sales of securities available for sale, net (3)0.00%0.00%54.92%0.11%0.03%
Gains (losses) on sales of other assets (3)0.00%0.00%0.00%0.00%(0.07)%
Rabbi trust employee benefit (income) expense (3)(0.09)%0.20%0.21%0.18%(0.12)%
Merger and acquisition expenses (3)0.57%0.00%0.00%0.00%0.00%
Defined Benefit Plan settlement loss (3)0.00%0.00%0.00%1.97%0.00%
Less net tax benefit associated with non-GAAP adjustments (2) (3)2.49%0.25%12.59%0.48%0.05%
Operating return on average shareholders' equity (non-GAAP) (3)8.14 %6.34 %8.76 %7.96 %7.66 %
Average tangible shareholders' equity:
Average total shareholders' equity (GAAP)$2,539,806 $2,599,325 $2,460,170 $2,420,174 $2,776,691 
Less: Average goodwill and other intangibles (4)658,591 659,825 660,795 661,841 656,684 
Average tangible shareholders' equity (non-GAAP) $1,881,215 $1,939,500 $1,799,375 $1,758,333 $2,120,007 
Return on average tangible shareholders' equity (non-GAAP) (3)13.38 %9.19 %(45.55)%9.23 %9.88 %
Add:
Losses (income) from investments held in rabbi trusts (3)0.32%(0.62)%(0.64)%(0.73)%0.42%
Losses on sales of securities available for sale, net (3)0.00%0.00%75.09%0.15%0.04%
Gains (losses) on sales of other assets (3)0.00%0.00%0.00%0.00%(0.09)%
Rabbi trust employee benefit (income) expense (3)(0.12)%0.27%0.29%0.25%(0.16)%
Merger and acquisition expenses (3)0.77%0.00%0.00%0.00%0.00%
Defined Benefit Plan settlement loss (3)0.00%0.00%0.00%2.72%0.00%
Less net tax benefit associated with non-GAAP adjustments (2) (3)3.36%0.34%17.21%0.67%0.06%
Operating return on average tangible shareholders' equity (non-GAAP) (3)10.99 %8.50 %11.98 %10.95 %10.03 %
(1) Net income from continuing operations is used for computing return on average assets, return on average shareholders' equity, and return on average tangible shareholders' equity. Noninterest income and expense components presented in this table exclude discontinued operations.
(2) The net tax benefit associated with these items is generally determined by assessing whether each item is included or excluded from net taxable income and applying our combined statutory tax rate only to those items included in net taxable income. The net tax benefit for the three months ended September 30, 2023 was primarily due to the reversal of the remainder of the federal portion of the valuation allowance established in connection with the sale of securities in the first quarter of 2023, described further below, and a net tax benefit associated with a change in management’s estimate of annual pre-tax loss for purposes of determining our quarterly income tax provision. Upon the sale of securities in the first quarter of 2023, we established a valuation allowance of $17.4 million, as it was determined at that time that it was not more-likely-than-not that the entirety of the deferred tax asset related to the loss on such securities would be realized. Following the execution of the agreement to sell our insurance agency business in September 2023 and our estimate of the resulting capital gain, which is estimated to be sufficient to realize federal capital losses related to the securities sale, we reversed the associated federal valuation allowance previously established as we had determined it was more-likely-than-not that the entirety of the federal deferred tax asset related to the loss on such securities would be realized. The tax expense resulting from the sale of the insurance agency business is expected to be recognized in the fourth quarter following the closing of the sale.
(3) Presented on an annualized basis.
(4) Includes goodwill and other intangible assets of discontinued operations.

APPENDIX B: Reconciliation of Non-GAAP Operating Revenues and Expenses

For information on non-GAAP financial measures, please see the section titled "Non-GAAP Financial Measures."

Three Months Ended
Sep 30, 2023Jun 30, 2023Mar 31, 2023Dec 31, 2022Sep 30, 2022
(Unaudited, dollars in thousands)
Net interest income (GAAP)$137,205 $141,588 $138,309 $149,994 $152,179 
Add:
Tax-equivalent adjustment (non-GAAP) (1)4,376 3,877 4,445 3,780 3,672 
Fully-taxable equivalent net interest income (non-GAAP)$141,581 $145,465 $142,754 $153,774 $155,851 
Noninterest income (loss) (GAAP) (2)$19,157 $26,204 $(309,853)$22,425 $19,524 
Less:
(Losses) income from investments held in rabbi trusts(1,523)3,002 2,857 3,235 (2,248)
Losses on sales of securities available for sale, net— — (333,170)(683)(198)
Gains on sales of other assets— (5)(10)467 
Noninterest income on an operating basis (non-GAAP) (2)$20,678 $23,202 $20,465 $19,883 $21,503 
Noninterest expense (GAAP) (2)$101,748 $99,934 $95,891 $112,583 $95,765 
Less:
Rabbi trust employee benefit (income) expense(586)1,314 1,274 1,103 (867)
Merger and acquisition expenses (2)3,630 — — — — 
Defined Benefit Plan settlement loss— — — 12,045 — 
Noninterest expense on an operating basis (non-GAAP) (2)$98,704 $98,620 $94,617 $99,435 $96,632 
Total revenue (loss) (GAAP) (2)$156,362 $167,792 $(171,544)$172,419 $171,703 
Total operating revenue (non-GAAP) (2)$162,259 $168,667 $163,219 $173,657 $177,354 
Efficiency ratio (GAAP) (2)65.07 %59.56 %(55.90)%65.30 %55.77 %
Operating efficiency ratio (non-GAAP) (2)60.83 %58.47 %57.97 %57.26 %54.49 %
(1) Interest income on tax-exempt loans and investment securities has been adjusted to an FTE basis using a marginal tax rate of 21.7%, 21.8%, 21.7%, 21.6%, and 21.5% for the three months ended September 30, 2023, June 30, 2023, March 31, 2023, December 31, 2022, and September 30, 2022, respectively.
(2) Noninterest income and expense components presented in this table exclude discontinued operations.
16


APPENDIX C: Reconciliation of Non-GAAP Capital Metrics

For information on non-GAAP financial measures, please see the section titled "Non-GAAP Financial Measures."
As of
Sep 30, 2023Jun 30, 2023Mar 31, 2023Dec 31, 2022Sep 30, 2022
(Unaudited, dollars in thousands, except per-share data)
Tangible shareholders' equity:
Total shareholders' equity (GAAP)$2,446,553 $2,526,772 $2,579,123 $2,471,790 $2,416,163 
Less: Goodwill and other intangibles (1)657,824 658,993 660,165 661,126 662,222 
Tangible shareholders' equity (non-GAAP)1,788,729 1,867,779 1,918,958 1,810,664 1,753,941 
Tangible assets:
Total assets (GAAP)21,146,292 21,583,493 22,720,530 22,646,858 22,042,933 
Less: Goodwill and other intangibles (1)657,824 658,993 660,165 661,126 662,222 
Tangible assets (non-GAAP)$20,488,468 $20,924,500 $22,060,365 $21,985,732 $21,380,711 
Shareholders' equity to assets ratio (GAAP)11.57 %11.71 %11.35 %10.91 %10.96 %
Tangible shareholders' equity to tangible assets ratio (non-GAAP) 8.73 %8.93 %8.70 %8.24 %8.20 %
Common shares outstanding176,376,675 176,376,675 176,328,426 176,172,073 177,772,553 
Book value per share (GAAP)$13.87 $14.33 $14.63 $14.03 $13.59 
Tangible book value per share (non-GAAP) $10.14 $10.59 $10.88 $10.28 $9.87 
(1) Includes goodwill and other intangible assets of discontinued operations.

APPENDIX D: Tangible Shareholders’ Equity Roll Forward Analysis

For information on non-GAAP financial measures, please see the section titled "Non-GAAP Financial Measures."
As ofChange from
Sep 30, 2023Jun 30, 2023Jun 30, 2023
(Unaudited, dollars in thousands, except per-share data)
Common stock$1,766 $1,766 $— 
Additional paid in capital1,661,136 1,656,750 4,386 
Unallocated ESOP common stock(133,992)(135,232)1,240 
Retained earnings1,747,225 1,704,470 42,755 
AOCI, net of tax - available for sale securities(763,871)(646,611)(117,260)
AOCI, net of tax - pension6,021 6,381 (360)
AOCI, net of tax - cash flow hedge(71,732)(60,752)(10,980)
Total shareholders' equity:$2,446,553 $2,526,772 $(80,219)
Less: Goodwill and other intangibles (1)657,824 658,993 (1,169)
Tangible shareholders' equity (non-GAAP) $1,788,729 $1,867,779 $(79,050)
Common shares outstanding176,376,675 176,376,675 — 
Per share:
Common stock$0.01 $0.01 $— 
Additional paid in capital9.42 9.39 0.02 
Unallocated ESOP common stock(0.76)(0.77)0.01 
Retained earnings9.91 9.66 0.24 
AOCI, net of tax - available for sale securities(4.33)(3.67)(0.66)
AOCI, net of tax - pension0.03 0.04 — 
AOCI, net of tax - cash flow hedge(0.41)(0.34)(0.06)
Total shareholders' equity:$13.87 $14.33 $(0.45)
Less: Goodwill and other intangibles (1)3.73 3.74 (0.01)
Tangible shareholders' equity (non-GAAP) $10.14 $10.59 $(0.45)
(1) Includes goodwill and other intangible assets of discontinued operations.
17


APPENDIX E: HTM-Marked Tangible Common Equity Ratio

For information on non-GAAP financial measures, please see the section titled "Non-GAAP Financial Measures."
As of
Sep 30, 2023Jun 30, 2023
(Unaudited, dollars in thousands, except per-share data)
HTM-marked tangible shareholders' equity:
Total shareholders' equity (GAAP)$2,446,553 $2,526,772 
Less: Goodwill and other intangibles (1)657,824 658,993 
Less: After-tax fair value mark on HTM securities (2)48,981 37,462 
HTM-marked tangible shareholders' equity (non-GAAP) 1,739,748 1,830,317 
HTM-marked tangible assets:
Total assets (GAAP)21,146,292 21,583,493 
Less: Goodwill and other intangibles (1)657,824 658,993 
Less: After-tax fair value mark on HTM securities (2)48,981 37,462 
HTM-marked tangible assets (non-GAAP) 20,439,487 20,887,038 
Shareholders' equity to assets ratio (GAAP)11.57 %11.71 %
HTM-marked tangible shareholders' equity to HTM-marked tangible assets ratio (non-GAAP) 8.51 %8.76 %
(1) Includes goodwill and other intangible assets of discontinued operations.
(2) Assumes pre-tax mark-to-market adjustments are tax-effected at a marginal tax rate of 28.23%.

APPENDIX F: Regulatory Capital Ratios
As of September 30, 2023
(Unaudited, dollars in thousands)Eastern Bankshares, Inc. (1)Minimum Capital Required to be Well-Capitalized under Prompt Corrective Action ProvisionsCapital Amount Above Minimums (1)
Tier 1 capital (to average assets) leverage12.27 %5.00 %$1,562,370 
Common equity Tier 1 capital (to risk-weighted assets)16.02 %6.50 %$1,566,730 
Tier 1 capital (to risk-weighted assets)16.02 %8.00 %$1,319,872 
Total regulatory capital (to risk-weighted assets)17.05 %10.00 %$1,160,236 
(1) Regulatory capital figures are preliminary estimates.

APPENDIX G: Discontinued Operations

ASSETS AND LIABILITIES OF DISCONTINUED OPERATIONSAs of and for the three months ended
9/30/20236/30/20233/31/202312/31/20229/30/2022
(Unaudited, dollars in thousands)
Assets
Premises and equipment$50 $80 $99 $163 $239 
Goodwill and intangibles, net91,115 91,780 92,447 93,117 93,914 
Deferred income taxes, net(187)(1,006)(1,169)(315)(387)
Prepaid expenses476 713 937 532 508 
Other assets33,264 29,459 27,417 34,722 34,263 
Assets held for sale 124,718 121,026 119,731 128,219 128,537 
Liabilities
Other liabilities34,820 36,531 29,430 34,930 42,008 
Liabilities held for sale34,820 36,531 29,430 34,930 42,008 

18


OPERATING RESULTS OF DISCONTINUED OPERATIONSThree Months EndedNine Months Ended
9/30/20236/30/20233/31/202312/31/20229/30/20229/30/20239/30/2022
(Unaudited, dollars in thousands)
Noninterest income:
Insurance commissions$25,897 $27,609 $31,671 $22,376 $23,926 $85,177 $77,511 
Other noninterest income 13 18 20 42 41 51 137 
Total noninterest income25,910 27,627 31,691 22,418 23,967 85,228 77,648 
Noninterest expense:
Salaries and employee benefits 24,655 17,041 16,295 16,032 16,768 57,991 49,057 
Office occupancy and equipment2,755 735 789 918 823 4,279 2,401 
Data processing1,013 1,060 1,143 1,087 1,052 3,216 3,248 
Professional services1,291 1,031 293 271 549 2,615 738 
Marketing expenses53 25 74 64 101 152 182 
Amortization of intangible assets665 668 669 798 734 2,002 1,868 
Other1,514 1,154 1,308 1,331 1,186 3,976 3,613 
Total noninterest expense31,946 21,714 20,571 20,501 21,213 74,231 61,107 
(Loss) income from discontinued operations before income tax expense(6,036)5,913 11,120 1,917 2,754 10,997 16,541 
Income tax (benefit) expense(1,685)1,675 3,135 541 785 3,125 4,669 
(Loss) income from discontinued operations, net of taxes(4,351)4,238 7,985 1,376 1,969 7,872 11,872 
19
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