HIGHBuilt-inGeographic
91.2%
Boston market
“10-K Item 1: 'In the Boston market, which accounted for 91.2% of our deposits as of June 30, 2025'”
EBC · Concentration risk · 10-K extracted
Eastern Bankshares (EBC) concentration risks
Updated
The most significant concentration Eastern Bankshares discloses is Boston market at 91.2%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Eastern Bankshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
40.8%
commercial real estate loans
“10-K Item 1: 'we had total commercial real estate loans of $9.4 billion, representing 40.8% of our total loans'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile is anchored by two structural exposures that reflect a community bank with a deeply regionalized deposit base and a significant commercial real estate tilt in its loan book. The geographic concentration is high-share by disclosed size: the Boston market accounted for 91.2% of deposits as of June 30, 2025. This is a structural feature of the franchise — the deposit base was built over decades in a single metropolitan area, and it is unlikely to diversify rapidly. The practical implication is that regional economic conditions, local real estate cycles, and New England employment trends are the primary macro drivers of deposit stability, rather than any nationally distributed risk pool. Within the loan portfolio, commercial real estate loans totaled $9.4 billion, representing 40.8% of total loans, a moderate share that sits at the intersection of the geographic concentration already noted. Because the loan book and the deposit base both skew toward the same regional economy, the two exposures are correlated rather than offsetting: a downturn in the Boston-area commercial property market would weigh on both asset quality and the economic backdrop underpinning deposit growth. Neither exposure is idiosyncratic to a single counterparty, but together they mean the institution's performance is meaningfully levered to a single regional real estate and economic cycle, which is the key variable worth monitoring.
For the engine’s reasoning on EBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| EBC● | Eastern Bankshares, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.