| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | -11,289 | -117,433 |
| Provision for allowance for loan losses | 21,300 | 14,200 |
| Gain (loss) on life insurance policies | - | 337 |
| Depreciation and amortization | 32,237 | 21,408 |
| Accretion of deferred loan fees and premiums, net | -29,864 | -22,976 |
| Deferred income tax (benefit) expense | -26,376 | -41,224 |
| (accretion) amortization of investment security premiums and discounts, net | -5,211 | -3,177 |
| Right-of-use asset amortization | 9,628 | 6,410 |
| Share-based compensation | 12,985 | 8,997 |
| Increase in cash surrender value of bank-owned life insurance | 3,867 | 2,613 |
| Loss on sale of securities available for sale, net | -269,638 | -269,638 |
| Net loss on bank premises and equipment | 0 | - |
| Impairment of right-of-use asset | 0 | - |
| Employee stock ownership plan expense | 6,143 | 4,066 |
| Other | 318 | 301 |
| Loans held for sale | -7,251 | -7,964 |
| Prepaid pension expense | 3,952 | 2,644 |
| Other assets | -97,166 | -86,493 |
| Other liabilities | -47,769 | -57,875 |
| Net cash provided by operating activities | 328,338 | 171,198 |
| Proceeds from sales of securities available for sale | 1,339,345 | 1,339,345 |
| Proceeds from maturities and principal paydowns of securities available for sale | 350,110 | 219,518 |
| Purchases of securities available for sale | 1,330,852 | 1,330,852 |
| Proceeds from maturities and principal paydowns of securities held to maturity | 19,737 | 12,455 |
| Purchases of securities held to maturity | 112,873 | 84,737 |
| Proceeds from sale of federal home loan bank stock | 24,625 | 20,971 |
| Purchases of federal home loan bank stock | 25,012 | 21,360 |
| Contributions to low income housing tax credit investments | -40,915 | -23,053 |
| Contributions to other equity investments | 1,459 | 743 |
| Distributions from other equity investments | 5,054 | 709 |
| Net increase in outstanding loans | -782,248 | -531,945 |
| Net cash acquired in business combinations | 0 | - |
| Purchased banking premises and equipment | 15,152 | 6,369 |
| Proceeds from life insurance policies | 1,347 | 327 |
| Net cash (used in) provided by investing activities | -568,293 | -405,734 |
| Net decrease in demand, savings, interest checking, and money market investment deposit accounts | -230,483 | -9,980 |
| Net increase in time deposits | 28,491 | -88,580 |
| Net decrease in borrowed funds | -26,356 | -17,991 |
| Payments for repurchase of common stock | 51,929 | 51,929 |
| Stock issuance costs | 0 | - |
| Dividends declared and paid to common shareholders | 76,238 | 50,358 |
| Net cash used in financing activities | -356,515 | -218,838 |
| Net (decrease) increase in cash, cash equivalents, and restricted cash | -596,470 | -453,374 |
| Cash and cash equivalents at beginning of period | 1,006,880 | - |
| Cash and cash equivalents at end of period | 410,410 | - |
Eastern Bankshares, Inc. (EBC)
Eastern Bankshares, Inc. (EBC)