Exhibit 99.2

Investor Presentation July 2023

2 Q2 2023 Investor Presentation Forward-Looking Statements Certain statements herein constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. We may also make forward-looking statements in other documents we file with the Securities and Exchange Commission (“SEC”), in our annual reports to shareholders, in press releases and other written materials, and in oral statements made by our officers, directors or employees. Such statements may be identified by words such as “believes,” “will,” “would,” “expects,” “project,” “may,” “could,” “developments,” “strategic,” “launching,” “opportunities,” “anticipates,” “estimates,” “intends,” “plans,” “targets” and similar expressions. These statements are based upon the current beliefs and expectations of the Company’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward-looking statements as a result of numerous factors. Factors that could cause such differences to exist include, but are not limited to, changes in general business and economic conditions (including inflation and concerns about inflation) on a national basis and in the local markets in which the Company operates, including changes that adversely affect borrowers’ ability to service and repay the Company’s loans; changes in customer behavior; ongoing turbulence in the capital and debt markets and the impact of such conditions on the Company’s business activities; changes in interest rates; increases in loan default and charge-off rates; decreases in the value of securities in the Company’s investment portfolio; fluctuations in real estate values; the possibility that future credit losses may be higher than currently expected due to changes in economic assumptions, customer behavior or adverse economic developments; the adequacy of loan loss reserves; decreases in deposit levels necessitating increased borrowing to fund loans and investments; competitive pressures from other financial institutions; acquisitions may not produce results at levels or within time frames originally anticipated; cybersecurity incidents, fraud, natural disasters, war, terrorism, civil unrest, and future pandemics; changes in regulation; changes in accounting standards and practices; the risk that goodwill and intangibles recorded in the Company’s financial statements will become impaired; demand for loans in the Company’s market area; the Company’s ability to attract and maintain deposits; risks related to the implementation of acquisitions, dispositions, and restructurings; the risk that the Company may not be successful in the implementation of its business strategy; changes in assumptions used in making such forward-looking statements and the risk factors described in the Annual Report on Form 10 K and Quarterly Reports on Form 10 Q as filed with the SEC, which are available at the SEC’s website, www.sec.gov. Should one or more of these risks materialize or should underlying beliefs or assumptions prove incorrect, HarborOne’s actual results could differ materially from those discussed. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this release. The Company disclaims any obligation to publicly update or revise any forward-looking statements to reflect changes in underlying assumptions or factors, new information, future events or other changes, except as required by law.

3 Q2 2023 Investor Presentation COMPANY HIGHLIGHTS Exchange/Ticker: NASDAQ/HONE Total Assets: $5.7 Billion Total Loans: $4.7 Billion Total Deposits: $4.3 Billion Market Capitalization: $404.3 Million (as of 6/30/23) ▪ HarborOne Bancorp, Inc. is a bank holding company and the parent of HarborOne Bank, a state-chartered trust company. ▪ HarborOne Bank is headquartered in Brockton, MA with 30 full-service branches throughout Metro Boston, Southeast Massachusetts and Rhode Island and a commercial lending office in Boston and Providence. ▪ HarborOne Bank is a recognized leader in financial and personal enrichment education and innovation through HarborOneU. ▪ HarborOne Mortgage, LLC (“HarborOne Mortgage”) is a wholly owned subsidiary of HarborOne Bank with 25 offices in Maine, Massachusetts, New Hampshire, New Jersey, Florida and Rhode Island and licensed to lend in 5 additional states. A Unique New England Banking Franchise

2023 Investor Report 4 Q2 2023 Investor Presentation ▪ Diluted EPS of $0.17, ROA of 0.54%, and ROE of 4.98%. ▪ Margin declined from 2.78% in Q1 2023 to 2.45% in Q2 2023. ▪ Asset quality remains solid with coverage ratio flat QOQ at 1.02% ▪ HarborOne Mortgage recorded net income of $0.3 million, including a positive change in fair value of mortgage servicing rights of $787,000. ▪ Bank closed 1 branch and relocated 1 branch. ▪ During the quarter, the Company received non-objection to the sixth buyback program for 5% of shares outstanding. ▪ Established FRB BTFP borrowing line Q2 2023 Highlights Net Income $7.5 Million Diluted Earnings Per Share $0.17 Loan Growth $ 75.6 Million Deposit Growth $ 45.8 Million Tangible Book Value $11.25

5 Q2 2023 Investor Presentation $4.1 B $4.5 B $4.6 B $5.4 B $5.7 B 2019 2020 2021 2022 Q2 '23 15.3% 14.5% 13.6% 11.5% 10.2% 2019 2020 2021 2022 Q2 '23 $3.0 B $3.5 B $3.6 B $4.6 B $4.7 B 2019 2020 2021 2022 Q2 '23 $10.10 $10.88 $11.57 $11.13 $11.25 2019 2020 2021 2022 Q2 '23 Key Performance Metrics Total Assets Total Loans Tier 1 Capital Tangible Book Value

6 Q2 2023 Investor Presentation Key Performance Metrics (Cont.) EPS Net Income Net Interest Margin on FTE Basis Net Interest Income $0.33 $0.82 $1.14 $0.97 $0.33 2019 2020 2021 2022 YTD '23 $18.3 M $44.8 M $58.5 M $45.6 M $14.8 M 2019 2020 2021 2022 YTD '23 3.14% 3.06% 3.12% 3.35% 2.61% 2019 2020 2021 2022 YTD '23 $109.1 M $120.1 M $131.4 M $149.0 M $66.5 M 2019 2020 2021 2022 YTD '23

7 Q2 2023 Investor Presentation Capital Management ▪ The Company remains well capitalized and is able to weather economic volatility. ▪ Continued annual dividend growth with 7% increase in Q1 2023. ▪ Sixth buyback program announced to purchase 2.3 million shares. 13.4 million shares purchased since 2020. ▪ Strong Tangible Capital Ratio of 9.4% with minimal securities categorized as Held to Maturity. ▪ Strong primary and secondary liquidity. 10.5% 8.5% 7.0% 4.0% 13.9% 12.0% 12.0% 10.2% 9.4% Total Capital Tier 1 Capital Tier 1 Common Equity Tier 1 Leverage Tangible Common Equity Minimum Capital Required plus Capital Conservation Buffer HONE Capital Ratios * * All information is as of 6/30/23 unless otherwise noted.

8 Q2 2023 Investor Presentation FHLB $583,748 Wholesale Deposits $194,314 Unencumbered securities $7,519 FRB Discount Window, $68,775 FRB BTFP $366,770 Correspondent Banks, $25,000 Liquidity Management Available Funding Sources: $1.2 Billion ▪ Management’s actions to preserve liquidity and Capital: o Cash flow from investment portfolio used to fund loans/reduce borrowings. o Disciplined loan growth. o Established FRB BTFP borrowing line.

9 Q2 2023 Investor Presentation Securities Portfolio Total Securities At Par Value Held to Maturity $19,839 5% Available for Sale $358,544 95% ▪ Securities Portfolio is 5.5% of total assets. ▪ Effective duration of the portfolio is 6.5 years. ▪ Total unrealized loss on the Held to Maturity portfolio is $834k with minimal impact to capital ratios.

10 Q2 2023 Investor Presentation CRE 49% Residential 1-4 Family 32% C&I 10% Construction 5% HELOC & Sec. Mtg. 4% Consumer 0% Loan Portfolio $4.7 Billion

11 Q2 2023 Investor Presentation Commercial Lending $1.6 B $2.1 B $2.3 B $2.9 B $- $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 2019 2020 2021 2022 Q2 '23 Construction Commercial Commercial Real Estate Total Commercial Loans ▪ Commercial loans grew from $1.6 billion in 2019 to $3.0 billion on June 30, 2023, transforming the balance sheet while maintaining strong credit quality. ▪ #3 in volume U.S. Small Business Administration (SBA) Lender in Rhode Island in 2022. ▪ Continued investment in people and technology to promote C&I and Small Business growth within Boston and Providence metro. ▪ 2023 growth focused on high-quality, deep-relationship lending within footprint. $3.0 B

12 Q2 2023 Investor Presentation Flex / Industrial 23% Apartments 17% Retail 13% Hotels 13% Office 10% Health Care 7% All Other Property Types 17% Commercial Real Estate Portfolio $2.3 Billion LTV: 60% LTV: 63% LTV: 61% LTV: LTV: 60% 63% LTV: 65% LTV: 62% New England Focused By Metropolitan Statistical Area MSA 06/30/23 Boston-Cambridge-Quincy, MA $1.1 Bn Providence-New Bedford-Fall River, RI-MA $0.4 Bn Barnstable - Islands, MA $0.2 Bn Manchester-Nashua, NH $0.1 Bn Bridgeport-Stamford-Norwalk, CT $0.1 Bn Other $0.3 Bn Total $2.3 Bn Key Portfolio Metrics Conservative Underwriting Methodology Metric 06/30/23 2023 Maturities / Total CRE Loans 1.8% Loan to Value – Origination 61.6% Reserves / Total CRE Loans 0.9% 30+ Delinquency % 0.24% Criticized Loans / Total CRE Loans 1.6% NPL / Total CRE Loans 0.4% Office - Central Business District / Total CRE Loans 0.5% Diversified Portfolio by Industry Type

13 Q2 2023 Investor Presentation Commercial Real Estate Portfolio Segmentation Industry Non Anchored Anchored Total Portfolio Commentary Retail $41MM $249MM $290MM Low % of Non Anchored Retail. Strong occupancy rate at 93%. Industry Metro Suburban Total Portfolio Commentary Office $12MM $218MM $230MM Low % of Central Business District. Resilient occupancy rate at 91%. Industry Business Focused Leisure Focused Total Portfolio Commentary Hotels $115MM $190MM $305MM Focus on destination boutique leisure with well known sponsors. Industry CoStar Rating 4+ CoStar Rating 3 Total Portfolio Commentary Apartments 50% 38% $387MM Focus on high-quality properties. Strong occupancy rate at 96%.

14 Q2 2023 Investor Presentation Construction and Commercial & Industrial Portfolio Apartments 46% Flex/Industrial 21% Retail 7% Land Dev. Residential 5% Office 4% Restaurant 2% Warehouse 9% Other 6% Health Care 19% Alt. Energy 18% Manufacturing 11% Retail 7% Construction 5% Wholesale Trade 6% RE Leasing 4% Restaurant 4% Prof. Svcs 5% All Other 21% Construction: $229 Million Commercial & Industrial: $453 Million ▪ Preference for known sponsors with existing relationships ▪ Diversified portfolio with focus on local relationships ▪ Specialization in Healthcare and Alternative Energy

15 Q2 2023 Investor Presentation Residential 1-4 Family 87% HELOC & Sec. Mtg. 10% Consumer 1% Construction 2% Residential and Consumer Lending Portfolio $1.7 Billion Key Portfolio Metrics: Residential Conservative Underwriting Methodology Metric 06/30/23 Weighted Average FICO (as of 1/2023) 768 Weighted Average LTV (Origination) 67% Second Home and Investment % 13% Cash-out Refinanced %1 3.1% 30+ Delinquency % 0.2% Key Portfolio Metrics: HELOC Conservative Underwriting Methodology Metric 06/30/23 Weighted Average FICO (as of 1/2023) 750 Weighted Average CLTV 60% Utilization 40% Second Home and Investment % 2.7% 30+ Delinquency % 0.2% 1 Cash-out Refinanced % represents population of loans booked since March 15, 2021

16 Q2 2023 Investor Presentation Credit Quality Nonperforming Loans to Total Assets ($MM) Net Charge-Offs to Average Loans $30.3 $34.1 $36.1 $14.8 $20.2 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90% 2019 2020 2021 2022 Q2 '23 Residential Commercial Consumer 0.04% 0.10% 0.08% 0.09% 0.23% 2019 2020 2021 2022 Q2 '23

17 Q2 2023 Investor Presentation Allowance for Credit Losses (ACL) ▪ Forecasted unemployment rate assumes a starting point of 3.8% and increasing to 4.5% by end of 2023. ▪ Q2 2023 ACL rate of 1.02% of total loans flat from Q1 2023. $46.99 $47.82 +$0.97 -$0.14 $40.0 $42.0 $44.0 $46.0 $48.0 $50.0 March 31, 2023 Change in Pooled Loans Change in Individually Analyzed Loans June 30, 2023 $ Millions

18 Q2 2023 Investor Presentation Savings 32% DDA/NOW 23% CD 25% Money Market 20% Relationship Banking Deposit Mix ▪ DIF provides excess insurance coverage until February 24, 2024 for certain depositors ▪ Long Tenured Relationships: o 75% of balances > 5+ year tenure o 63% of balances > 10+ year tenure o 52% of balances > 15+ year tenure ▪ YOY Key Relationship Metrics: o Consumer HH with primary checking have remained stable o The number of business checking accounts increased 6% ▪ Shift to Self-Service / Payments: o 72% usage with 3.2% increase YOY o 87% of Consumer HH are digitally engaged o 94% of Consumers are active debit card users ▪ Banking Centers Optimization Completed: o Randolph Branch relocated in June 2023, with relationship banking model design. o Brockton changes: one branch closed July 2023, one branch remodeled for relationship banking, and ATM added at former branch location.

19 Q2 2023 Investor Presentation Deposits Average Quarterly Cost of Deposits 0.18% 0.21% 0.36% 0.84% 1.55% 1.91% Q1 '22 Q2 '22 Q3 '22 Q4 '22 Q1 '23 Q2 '23 ▪ In Q2, total deposits increased $45.8 million with growth of CD’s offset by a decline in core balances. Cost of deposits increased 36 basis points to 1.91% for the three months ended June 30, 2023. ▪ Business accounts represent 17.6% of total deposits with cost of 137 basis points. Q2 increased $51.7 million or 7.4%. ▪ Since the Federal Reserve has started the tightening cycle, Fed funds has increased 450 basis points. In that six-quarter timeframe, the Bank’s cost of deposits increased 173 basis points. ▪ Including coverage provided by DIF, approximately 88% of total deposits, including Bank subsidiary deposits, are insured. ▪ June 2023 Cost of Deposits was 1.98%

20 Q2 2023 Investor Presentation Mortgage Banking ($ in 000’s) Q2 2023 Q1 2023 Q2 2022 Gain on Sale $3,330 $2,224 $4,538 MSR Fair Value & Amortization $407 $(1,556) $735 Servicing Revenue / Other $2,327 $2,796 $3,908 Total Revenue $6,034 $3,464 $9,181 Expenses $5,493 $5,322 $7,242 Net Income $309 $(1,293) $1,390 Key Drivers/Statistics $ Disbursements $172 MM $126 MM $298 MM Sales Margin 2.21% 2.35% 2.08% FTE’s 144 145 211 Offices 25 24 31 MSR Balance $44.7 MM $43.7 MM $43.5 MM Change in MSR Fair Value $787 K $(1.3) MM $1.4 MM 10 year Treasury 3.81% 3.48% 2.98% ▪ Mortgage banking segment continues to be negatively impacted by market conditions and New England seasonality. ▪ Flexible operating model includes expense-disciplined management team. FTE’s have been reduced by 67 YOY. ▪ Net income of $309,000, improvement QOQ driven by improved MSR valuation . ▪ Disbursements up 37% from Q1 but lower than Q2 2022 by 42%. ▪ Expenses of $5.5 million, down $1.7 million or 24% YOY, largely driven by reduction of commissions, closing of 5 offices and reduction in force. ▪ Q2 Production volume, 95% purchase, 5% refinance.

21 Q2 2023 Investor Presentation Bank Stand-Alone ▪ Net Income of $7.3 MM, down 21.9% YOY ▪ Net Interest Income of $32.5MM down 12.8% YOY. ▪ Q2 provision was $3.3 MM, driven by one commercial credit charge-off. ▪ Non Interest Income up $821K QOQ on swap fee and interchange income. ▪ Controlled Expenses with a $938K reduction YOY. ▪ FTE’s are down 16 QOQ. The Bank had a reduction in force of 12 FTEs in Q2 with an annual savings of $1.7 MM. ($ in 000’s) Q2 2023 Q1 2023 Q2 2022 Interest Income $60,665 $55,554 $39,444 Interest Expense 28,175 20,992 2,198 Net Interest Income 32,490 34,562 37,246 Provision 3,283 1,866 2,546 Non Interest Income 6,480 5,659 5,335 Non Interest Expense 26,193 26,190 27,131 Net Income $7,301 $9,050 $9,354 Key Drivers/Statistics ROAA 0.52% 0.67% 0.81% Efficiency Ratio 66.7% 64.6% 63.2% Margin 2.47% 2.79% 3.50% FTE’s 405 421 417 Nonaccrual Loans $20.2 MM $12.3 MM $24.4 MM Net charge-off(recovery) rate 0.23% 0.00% (0.05)% ACL/Loans 1.02% 1.02% 1.11%

22 Q2 2023 Investor Presentation Why HarborOne Clear Strategic Focus ▪ Drive organic growth with a focus on Customer Primacy. ▪ Ensure diverse and low cost funding base with significant available liquidity. ▪ Foster customer-centric mission that earns total long-term banking relationships. ▪ Continued rationalization and modernization of Banking Centers. Unique Franchise and Culture ▪ Attractive New England (metro Boston & Providence) footprint. ▪ Focus on retaining and attracting top talent in the communities we serve. ▪ Deep community engagement - 2022 Boston Business Journal Most Charitable Companies list (6th consecutive year). Proven Track Record ▪ Seasoned management team and Board. ▪ Excess capital to manage economic headwinds. ▪ Increasing quarterly dividend with continued stock buybacks. ▪ Prudent cost management with commitment to continuous process enhancement.

23 Q2 2023 Investor Presentation HarborOne U - “Enriching lives through education” Original content, tools, templates, case studies, and calculators to help small businesses achieve financial success. A personalized education platform that helps individuals and families gain skills and build confidence in their financial choices. Consumer Small Business

24 Q2 2023 Investor Presentation A Commitment to Doing What’s Right Mission Statement We provide a personalized experience while caring about every customer. We focus on understanding their financial goals for today and dreams for tomorrow. We are unwavering in our commitment to the communities that we serve. Vision Statement To be our customers’ most trusted financial partner. Our Values Integrity. Teamwork. Trust. Respect. Accountability.