MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 30, 2019

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, 2019
Common equity Tier 1 capital to risk-weighted assets	$	583,319	19.1	%	$	137,098	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		583,319	19.1			182,798	6.0			N/A	N/A
Total capital to risk-weighted assets		641,363	21.1			243,730	8.0			N/A	N/A
Tier 1 capital to average assets		583,319	16.2			144,313	4.0			N/A	N/A
December 31, 2018
Common equity Tier 1 capital to risk-weighted assets	$	283,738	9.9	%	$	129,246	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		283,738	9.9			172,328	6.0			N/A	N/A
Total capital to risk-weighted assets		339,393	11.8			229,771	8.0			N/A	N/A
Tier 1 capital to average assets		283,738	8.2			137,919	4.0			N/A	N/A
HarborOne Bank
September 30, 2019
Common equity Tier 1 capital to risk-weighted assets	$	446,714	14.7	%	$	137,063	4.5	%	$	197,980	6.5	%
Tier 1 capital to risk-weighted assets		446,714	14.7			182,751	6.0			243,668	8.0
Total capital to risk-weighted assets		469,758	15.4			243,668	8.0			304,585	10.0
Tier 1 capital to average assets		446,714	12.5			143,335	4.0			179,169	5.0
December 31, 2018
Common equity Tier 1 capital to risk-weighted assets	$	296,738	10.3	%	$	129,250	4.5	%	$	186,694	6.5	%
Tier 1 capital to risk-weighted assets		296,738	10.3			172,333	6.0			229,778	8.0
Total capital to risk-weighted assets		317,393	11.1			229,778	8.0			287,222	10.0
Tier 1 capital to average assets		296,738	8.6			137,784	4.0			172,230	5.0