EASTERN BANCSHARES INC is the bank holding company. FNB BANK, INC. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

EASTERN BANCSHARES INC

Legal name: EASTERN BANCSHARES, INC.

1 active bank · $272M combined assets

RSSD ID: 1363784 (FFIEC NIC)

Combined Assets

$272M

CRA Rating Summary

Satisfactory1charter

Across all 4 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFNB BANK, INC.ROMNEY, WVSatisfactory$272MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$272M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$242M

Net Income

$607K

ROA (avg)

0.89%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

244

Origination Rate

61.07%

Denial Rate

16.8%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FNB BANK, INC.	ROMNEY, WV	FDIC	$272M	100.0%	Satisfactory	Mar 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.