MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2020

MINIMUM REGULATORY CAPITAL REQUIREMENTS

Summary of the company's and the bank's actual regulatory capital ratios

									Minimum Required to be
									Considered "Well Capitalized"
					Minimum Required for				Under Prompt Corrective
	Actual				Capital Adequacy Purposes				Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
HarborOne Bancorp, Inc.
March 31, 2020
Common equity Tier 1 capital to risk-weighted assets	$	596,997	18.5	%	$	145,224	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		596,997	18.5			193,633	6.0			N/A	N/A
Total capital to risk-weighted assets		658,387	20.4			258,177	8.0			N/A	N/A
Tier 1 capital to average assets		596,997	15.2			157,143	4.0			N/A	N/A
December 31, 2019
Common equity Tier 1 capital to risk-weighted assets	$	590,122	18.7	%	$	142,048	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		590,122	18.7			189,397	6.0			N/A	N/A
Total capital to risk-weighted assets		649,182	20.6			252,529	8.0			N/A	N/A
Tier 1 capital to average assets		590,122	15.3			154,659	4.0			N/A	N/A
HarborOne Bank
March 31, 2020
Common equity Tier 1 capital to risk-weighted assets	$	460,475	14.4	%	$	144,082	4.5	%	$	208,118	6.5	%
Tier 1 capital to risk-weighted assets		460,475	14.4			192,109	6.0			256,146	8.0
Total capital to risk-weighted assets		486,864	15.2			256,146	8.0			320,182	10.0
Tier 1 capital to average assets		460,475	12.1			151,661	4.0			189,576	5.0
December 31, 2019
Common equity Tier 1 capital to risk-weighted assets	$	453,707	14.4	%	$	142,053	4.5	%	$	205,188	6.5	%
Tier 1 capital to risk-weighted assets		453,707	14.4			189,404	6.0			252,539	8.0
Total capital to risk-weighted assets		477,767	15.1			252,539	8.0			315,674	10.0
Tier 1 capital to average assets		453,707	12.2			149,272	4.0			186,591	5.0