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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 32773 · MA B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2592/4307
  • PHOTO-FINISH Helm Bank USA · FL
  • TIER1-WELL 12.4% Tier 1
  • TEXAS-CLEAN 3.9% Texas
  • ROA-THIN 0.39% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Helm Bank USA, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Eastern Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Dollar Bank, Federal… · PA ·…74/100Eastern Bank · MA · this bank74/100Helm Bank USA · FL · near74/100Tustin Community Bank · CA ·…74/100United Midwest Savin… · OH ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Eastern Bank · July 2026

Plate reading for Eastern Bank where failures stay rare

Eastern Bank (FDIC Cert #32773) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,592 of 4,307. Tier 1 capital prints at 12.41%, clearing the 10% well-capitalized line. The Texas Ratio is 3.85%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.39%. Balance-sheet scale is $30.6B, 72nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Helm Bank USA (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Eastern Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Eastern Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

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.

0/100100/100National avg77/10074/100
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 Assets

$30.6B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.01% 12.41% 13.81%
Basel III capital ratios - Eastern Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 40th percentile higher than 40% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Eastern Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Eastern Bank

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

What these ratios mean →

Profitability metrics: Eastern Bank

Return on Assets (ROA)
12th percentile nationally
0.39%
Return on Equity (ROE)
2.88%
Efficiency Ratio
54.83%

What these mean →

Income & expense at Eastern Bank

$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.

FDIC Failed Bank List → View Eastern Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Eastern Bank nationally by total assets
  1. 1
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  2. 2
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  3. 3
    Sallie Mae Bank $29.7B

    Salt Lake City, UT · Grade A

  4. 4
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  5. 5
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  6. 6
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($30.6B here), outside Massachusetts so the neighborhood is not state containment.

Texas Capital Bank $31.3B · TX BNY Mellon $31.3B · PA Sallie Mae Bank $29.7B · UT Glacier Bank $32.0B · MT

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.

Eastern Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
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%