Risk factors
Eastern Bankshares (EBC) risk factors
Item 1A of every Eastern Bankshares, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors76 risks7 new6 dropped23 reworded
Activist investor HoldCo disclosed a 3.1% stake and criticized Eastern Bank’s capital allocation, performance and governance.
Filed Mar 02, 2026 - FY2024 10-K risk factors75 risks
Acquisition growth strategy and integration of the Cambridge acquisition dominate the risk profile. Interest rate fluctuations and margin compression directly impact net interest income. High geographic and commercial real estate loan concentrations increase local economic vulnerability. Heavy reliance on technology, third-party vendors, and data security infrastructure creates operational exposure.
Filed Feb 27, 2025