Total Assets
$30.6B
Total balance-sheet footings
FDIC Cert #32773 · Boston, Massachusetts · Est. 1989
Eastern Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $30.6B
- Total assets
- B
- Health grade · Good
- 0.39%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
Eastern Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 12.41% Tier 1, 0.39% ROA, efficient (55% cost ratio).
- #72
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 12.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Eastern Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Eastern Bank's composite health score
Tier 1 Capital Ratio (12.41%) 35/40
Return on Assets (ROA) (0.39%) 7/25
Texas Ratio (3.85%) 20/20
Efficiency Ratio (54.83%) 12/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$25.7B
Customer-funded liabilities
Net Loans
$22.8B
Outstanding loan book
Net Income
$104M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Eastern Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Eastern Bank's score of 74/100 falls in the highlighted band.
Eastern Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Eastern Bank's $30.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.41%
Texas Ratio
3.85%
Equity Capital
$4.1B
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.39%
Return on Equity (ROE)
2.88%
Efficiency Ratio
54.83%
What the numbers say about Eastern Bank
Eastern Bank is an FDIC-insured institution (Certificate #32773) headquartered in Boston, Massachusetts, established in 1989. It holds $30.6B in total assets - 72nd of 4,313 FDIC-insured banks, $25.7B in customer deposits, and $22.8B in net loans. Its capital position: a Tier 1 ratio of 12.41%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.85% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Eastern Bank sits in the top decile of all FDIC-insured institutions by asset size (72nd of 4,313), and within Massachusetts it ranks 2nd of 91 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Rockland Trust Company, at $24.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$1.2B
Interest Income
$169M
Non-Interest Income
$582M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Eastern Bank reports a Texas Ratio of 3.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
National size peers: banks closest to Eastern Bank by assets
Measured strictly by total assets rather than geography, Eastern Bank's closest national peers include Texas Capital Bank, BNY Mellon, Sallie Mae Bank, Glacier Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Massachusetts. Averaged across this asset-matched cohort, return on assets runs 1.48% (Eastern Bank is below that at 0.39%), the efficiency ratio averages 54.11% (Eastern Bank runs higher at 54.83%), and Tier 1 capital averages 13.21% (Eastern Bank holds less at 12.41%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $30.6B in assets, Eastern Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Eastern Bank (this bank) | MA | $30.6B | 0.39% | 54.83% | 12.41% |
| Texas Capital Bank | TX | $31.3B | 1.10% | 57.52% | 13.01% |
| BNY Mellon, National Association | PA | $31.3B | 0.94% | 66.72% | 14.35% |
| Sallie Mae Bank | UT | $29.7B | 2.90% | 28.58% | 11.09% |
| Glacier Bank | MT | $32.0B | 0.90% | 61.10% | 12.67% |
| Fulton Bank, National Association | PA | $32.0B | 1.33% | 56.05% | 12.84% |
| Commerce Bank | MO | $32.7B | 1.74% | 54.68% | 15.32% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Eastern Bank (FDIC Cert #32773) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
| The Cape Cod Five Cents Savings BankHyannis | $5.6B | B | 0.70% |
Frequently asked questions
What is Eastern Bank's health grade?▼
Eastern Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Eastern Bank?▼
Eastern Bank holds $30.6B in total assets and $25.7B in deposits, ranking 72nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Boston, Massachusetts.
Is my money safe at Eastern Bank?▼
Yes, deposits at Eastern Bank (Certificate #32773) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Eastern Bank's Tier 1 Capital Ratio?▼
Eastern Bank has a Tier 1 Capital Ratio of 12.41%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Eastern Bank?▼
Eastern Bank has a Texas Ratio of 3.85%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Eastern Bank?▼
Eastern Bank has an Efficiency Ratio of 54.83%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Eastern Bank's profile as a depositor or analyst.
- Eastern Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Eastern Bank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.