MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2024

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, 2024
Common equity Tier 1 capital to risk-weighted assets	$	566,298	12.0	%	$	212,812	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		566,298	12.0			283,749	6.0			N/A	N/A
Total capital to risk-weighted assets		617,896	13.1			378,332	8.0			N/A	N/A
Tier 1 capital to average assets		566,298	9.7			232,397	4.0			N/A	N/A
December 31, 2023
Common equity Tier 1 capital to risk-weighted assets	$	567,248	12.0	%	$	212,816	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		567,248	12.0			283,755	6.0			N/A	N/A
Total capital to risk-weighted assets		619,138	13.1			378,340	8.0			N/A	N/A
Tier 1 capital to average assets		567,248	10.0			226,690	4.0			N/A	N/A
HarborOne Bank
March 31, 2024
Common equity Tier 1 capital to risk-weighted assets	$	514,878	10.9	%	$	212,731	4.5	%	$	307,278	6.5	%
Tier 1 capital to risk-weighted assets		514,878	10.9			283,641	6.0			378,188	8.0
Total capital to risk-weighted assets		566,476	12.0			378,188	8.0			472,735	10.0
Tier 1 capital to average assets		514,878	8.9			232,374	4.0			290,467	5.0
December 31, 2023
Common equity Tier 1 capital to risk-weighted assets	$	509,791	10.8	%	$	212,724	4.5	%	$	307,267	6.5	%
Tier 1 capital to risk-weighted assets		509,791	10.8			283,632	6.0			378,175	8.0
Total capital to risk-weighted assets		561,682	11.9			378,175	8.0			472,719	10.0
Tier 1 capital to average assets		509,791	9.0			226,666	4.0			283,333	5.0