Recent Earnings

Eastern Bankshares, Inc.

EBC

2025 Q2

Financial Services

3mo

Financial Performance Summary

Allowance for loan losses increased to $232 million or 127 basis points of total loans.
Capital ratios remained strong with CET1 at 14.4% and TCE at 10.8%.
Deposits grew 8% annualized with stable deposit costs.
Deposits totaled $21.2 billion, increasing $424 million from prior quarter.
Loan growth was 8% annualized, driven by profitable organic growth and strategic hiring.
Loans increased by $385 million, led by commercial lending growth.
Net income was $100.2 million or $0.50 per diluted share, with operating earnings of $0.41 per diluted share.
Net interest income increased 7% from Q1 to $202 million ($206.8 million FTE).
Net interest margin expanded by 21 basis points to 3.59%.
Noninterest expense increased to $137 million due to higher operating expenses and merger-related costs.
Noninterest income was $42.9 million compared to a loss in Q1 due to investment portfolio repositioning.
Nonperforming loans improved to 30 basis points with no net charge-offs.
Operating earnings were $81.7 million, a 21% increase from the first quarter.
Operating efficiency ratio improved to 50.8% due to higher revenues and effective expense management.
Operating return on average assets increased by 21 basis points to 1.3%.
Operating return on average tangible equity rose from 11.7% to 13.6%.
Provision for loan losses was $7.6 million, up from $6.6 million.
Tangible book value per share increased 4% to $12.53.
Total assets reached $25.5 billion, up 2% from March 31.
Wealth management assets under management reached a record $8.7 billion.

OneMain Holdings, Inc.

OMF

2025 Q2

Financial Services

3mo

Financial Performance Summary

30-plus delinquency was 5.07%, down 29 basis points year-over-year.
Capital generation was $222 million, up 63% year-over-year.
C&I adjusted earnings were $1.45 per share, up 42%.
C&I net charge-offs were 7.6%, down 60 basis points from last quarter and down 88 basis points year-over-year.
Consumer loan net charge-offs were 7.2%, down 64 basis points from last quarter and down 110 basis points year-over-year.
Consumer loan yield was 22.6%, up 19 basis points from the first quarter and up 67 basis points year-over-year.
GAAP net income was $167 million or $1.40 per diluted share, up 137% from $0.59 per diluted share in Q2 2024.
Interest income grew 10% year-over-year driven by receivables growth and yield improvement.
Managed receivables ended the quarter at $25.2 billion, up 7% from a year ago.
Net leverage at the end of Q2 was 5.5x, flat to last quarter.
Operating expenses were $415 million, up 11% compared to a year ago.
Originations grew 9%, driven by expanded use of granular data and product innovations.
Total revenue grew 10% and receivables grew 7% year-over-year, crossing the $25 billion mark for the first time.

Bank of America Corporation

BAC

2025 Q3

Financial Services

Record Net Interest Income

9% above prior year

$15.4 billion (FTE basis)

Net interest income on a fully taxable equivalent basis reached a record $15.4 billion, up 9% year over year, driven by loan and deposit growth and fixed rate asset repricing.

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