MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2021

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, 2021
Common equity Tier 1 capital to risk-weighted assets	$	632,138	18.1	%	$	157,137	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		632,138	18.1			209,516	6.0			N/A	N/A
Total capital to risk-weighted assets		710,881	20.4			279,354	8.0			N/A	N/A
Tier 1 capital to average assets		632,138	14.0			181,198	4.0			N/A	N/A
December 31, 2020
Common equity Tier 1 capital to risk-weighted assets	$	621,153	17.7	%	$	158,050	4.5	%		N/A	N/A
Tier 1 capital to risk-weighted assets		621,153	17.7			210,733	6.0			N/A	N/A
Total capital to risk-weighted assets		700,197	19.9			280,978	8.0			N/A	N/A
Tier 1 capital to average assets		621,153	14.5			171,578	4.0			N/A	N/A
HarborOne Bank
June 30, 2021
Common equity Tier 1 capital to risk-weighted assets	$	545,120	15.6	%	$	157,193	4.5	%	$	227,057	6.5	%
Tier 1 capital to risk-weighted assets		545,120	15.6			209,591	6.0			279,454	8.0
Total capital to risk-weighted assets		588,878	16.9			279,454	8.0			349,318	10.0
Tier 1 capital to average assets		545,120	12.0			181,071	4.0			226,338	5.0
December 31, 2020
Common equity Tier 1 capital to risk-weighted assets	$	506,822	14.4	%	$	158,081	4.5	%	$	228,339	6.5	%
Tier 1 capital to risk-weighted assets		506,822	14.4			210,775	6.0			281,033	8.0
Total capital to risk-weighted assets		550,875	15.7			281,033	8.0			351,291	10.0
Tier 1 capital to average assets		506,822	11.8			171,501	4.0			214,377	5.0