MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 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.
June 30, 2020
Common equity Tier 1 capital to risk-weighted assets	$	608,001	17.8	%	$	153,465	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		608,001	17.8			204,620	6.0			N/A	N/A
Total capital to risk-weighted assets		679,108	19.9			272,827	8.0			N/A	N/A
Tier 1 capital to average assets		608,001	14.4			168,629	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
June 30, 2020
Common equity Tier 1 capital to risk-weighted assets	$	473,288	13.9	%	$	153,476	4.5	%	$	221,687	6.5	%
Tier 1 capital to risk-weighted assets		473,288	13.9			204,634	6.0			272,846	8.0
Total capital to risk-weighted assets		509,395	14.9			272,846	8.0			341,057	10.0
Tier 1 capital to average assets		473,288	11.3			167,423	4.0			209,278	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