EBC — what changed in the latest 10-Q
A section-by-section comparison of EBC's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-05-08 vs the prior 10-Q · 2025-11-06
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +64 | −83 | ~70 | 112 |
| Market risk (Item 3) | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | Text added/removed | 0 | 0 | ~1 | 1 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Risk factors, Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-05-08
Net income for the three months ended March 31, 2026 computed in accordance with GAAP was $65.3 million, as compared to a net loss of $217.7 million for the three months ended March 31, 2025. The increase in net income for the three months ended March 31, 2026 compared to the three months ended Marc…
•Consumer home equity: Loans in this category consist of home equity lines of credit and home equity loans. As of both March 31, 2026 and December 31, 2025, we had total consumer home equity loans of $1.8 billion, representing 7.7% and 7.6%, respectively, of our total loans as of each period end. Ho…
•Other consumer: Loans in this category consist of unsecured personal lines of credit, overdraft protection, automobile and aircraft loans, home improvement loans and other personal loans. As of March 31, 2026 and December 31, 2025, we had total other consumer loans of $215.5 million and $232.0 mill…
Beginning in March 2022, the Federal Open Market Committee (“FOMC”) voted to increase the federal funds rate multiple times from a range of 0.00% to 0.25% to a range of 5.25% to 5.50% on July 26, 2023, when the FOMC stated that it will continue to assess additional information and its implications f…
Inevitably, not all of our interest rate-sensitive assets and liabilities will re-price simultaneously and in equal volume in response to changes in the federal funds rate, and therefore the potential for interest rate exposure exists. Management believes that several factors will affect the actual …
Text removed vs the prior filing · source: 10-Q · 2025-11-06
Net income and net loss for the three and nine months ended September 30, 2025, respectively, computed in accordance with GAAP was $106.1 million and $11.3 million, respectively, as compared to net loss and net income of $6.2 million and $58.8 million, respectively, for the three and nine months end…
interest rate characteristics, pricing for loans in the secondary mortgage market, competitive factors and our capital needs. During the three and nine months ended September 30, 2025, residential real estate mortgage loan originations were $128.1 million and $311.6 million, respectively, of which $…
•Consumer home equity: Loans in this category consist of home equity lines of credit and home equity loans. As of September 30, 2025 and December 31, 2024, we had total consumer home equity loans of $1.5 billion and $1.4 billion, respectively, representing 8.1% and 7.8%, respectively, of our total l…
•Other consumer: Loans in this category consist of unsecured personal lines of credit, overdraft protection, automobile and aircraft loans, home improvement loans and other personal loans. As of September 30, 2025 and December 31, 2024, we had total other consumer loans of $220.1 million and $227.2 …
Effective November 1, 2025, we completed our previously announced merger with HarborOne and HarborOne Bank, a wholly owned subsidiary of HarborOne. For further information regarding the merger refer to Note 17, “Subsequent Events” within the Notes to the Unaudited Consolidated Financial Statements i…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice