🏦Bank Scorer

EASTERN BANK

BOSTON, MA · Supervised by FDIC

Est. 1989FDIC #32,773RSSD: FDIC-32773
Part ofEASTERN BANK CORP→ View all charters
Outstanding Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

125 High St, BOSTON, MA

County

Suffolk County

Established

October 19, 1989

Total Assets

$30.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$30.6B

Total Deposits

$25.3B

Net Loans

$22.6B

Net Income

$66M

ROA

0.87%

ROE

6.46%

Risk-Based Capital

13.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate29.44%Peer avg: 26.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

109

Branch Deposits

$21.4B

1-Year Change

+12

5-year net change: +20 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245,14660.82%29.44%
20234,55564.39%27.77%
20227,59066.5%23.50%
20218,08366.67%21.98%
20207,09961.15%25.30%
20195,98765.07%24.69%
20186,06365.12%25.76%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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