MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 30, 2022

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.
September 30, 2022
Common equity Tier 1 capital to risk-weighted assets	$	588,467	13.4	%	$	197,880	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		588,467	13.4			263,839	6.0			N/A	N/A
Total capital to risk-weighted assets		673,590	15.3			351,786	8.0			N/A	N/A
Tier 1 capital to average assets		588,467	12.3			191,473	4.0			N/A	N/A
December 31, 2021
Common equity Tier 1 capital to risk-weighted assets	$	608,804	16.4	%	$	167,475	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		608,804	16.4			223,300	6.0			N/A	N/A
Total capital to risk-weighted assets		689,181	18.5			297,733	8.0			N/A	N/A
Tier 1 capital to average assets		608,804	13.6			179,710	4.0			N/A	N/A
HarborOne Bank
September 30, 2022
Common equity Tier 1 capital to risk-weighted assets	$	517,127	11.8	%	$	197,813	4.5	%	$	285,731	6.5	%
Tier 1 capital to risk-weighted assets		517,127	11.8			263,751	6.0			351,668	8.0
Total capital to risk-weighted assets		567,251	12.9			351,668	8.0			439,585	10.0
Tier 1 capital to average assets		517,127	10.8			191,434	4.0			239,293	5.0
December 31, 2021
Common equity Tier 1 capital to risk-weighted assets	$	485,239	13.1	%	$	166,660	4.5	%	$	240,731	6.5	%
Tier 1 capital to risk-weighted assets		485,239	13.1			222,214	6.0			296,285	8.0
Total capital to risk-weighted assets		530,616	14.3			296,285	8.0			370,356	10.0
Tier 1 capital to average assets		485,239	10.9			178,279	4.0			222,849	5.0