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Eastern Bankshares (EBC) guidance and outlook

Eastern Bankshares' 10-Q filed Nov 6, 2026 makes 12 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 6, 2026

• These statements, which are based on certain current assumptions and describe our future plans, strategies and expectations, can generally be identified by the use of the words “may,” “will,” “should,” “could,” “would,” “plan,” “potential,” “estimate,” “project,” “believe,” “intend,” “anticipate,” “expect,” “target” and similar expressions.
• • the risk that the integration of our completed acquisitions may be more difficult, time-consuming or costly than anticipated and that the anticipated benefit may not be fully realized;
• Our commercial and industrial portfolio also includes our Asset Based Lending Portfolio (“ABL Portfolio”) and industrial revenue bonds (“IRBs”) which are municipal bonds issued to finance major capital projects.
• Investments in mortgage-backed securities involve a risk that actual payments will be greater or less than the prepayment rate estimated at the time of purchase, which may require adjustments to the amortization of any premium or accretion of any discount relating to such interests, thereby affecting the net yield on our securities.
• The increase was primarily due to continued investment in resources targeted to grow our commercial and industrial loan portfolio and ongoing promotion of our consumer home equity products.
• Additionally, various regulatory agencies, as an integral part of our examination process, periodically assess the adequacy of the allowance for loan losses to assess whether the allowance for loan losses was determined in accordance with GAAP and applicable guidance.
• We use a methodology to systematically estimate the amount of expected credit loss in the loan portfolio.
• Management’s estimate of our allowance for loan losses as of September 30, 2026 and the provision for allowance for loan losses for the three and nine months ended September 30, 2026, was supported, in part, by Oxford Economics’ September 2026 Baseline forecast (“the forecast”) which was used to develop management’s estimate of the effect of expected future economic conditions on the allowance for loan losses.
• To illustrate the sensitivity of the modeled result to the impact of a hypothetical change in the economic forecast, management calculated the allowance for loan losses assuming the downside economic forecast scenario and, separately, the upside economic forecast scenario.
• The simulation results are within policy limits and management therefore does not expect a material change to our current strategy over the near term.
• Management may, from time to time, due to actual or projected changes in market rates or our risk exposure, evaluate other hedging strategies, although we believe our current Net Interest Income and Economic Value of Equity simulation analyses support maintaining the current derivatives strategy.
• our liquidity position will continue to be affected by the level of customer deposits and payments, loan originations and repayments, as well as any acquisitions, dividends, and share repurchases in which we may engage.

Eastern Bankshares' latest quarter

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What does Eastern Bankshares expect?

These statements, which are based on certain current assumptions and describe our future plans, strategies and expectations, can generally be identified by the use of the words “may,” “will,” “should,” “could,” “would,” “plan,” “potential,” “estimate,” “project,” “believe,” “intend,” “anticipate,” “expect,” “target” and similar expressions. • the risk that the integration of our completed acquisitions may be more difficult, time-consuming or costly than anticipated and that the anticipated benefit may not be fully realized; Our commercial and industrial portfolio also includes our Asset Based

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.