Form 8-K - Current report

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of Earliest Event Reported): January 30, 2024

HarborOne Bancorp, Inc.

(Exact Name of Registrant as Specified in its Charter)


Massachusetts	001-38955	81-1607465
(State or other jurisdiction	(Commission	(IRS Employer
of incorporation)	File Number)	Identification Number

770 Oak Street, Brockton, Massachusetts 02301

(Address of principal executive offices)

(508) 895-1000

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐


Title of each Class	Trading Symbol	Name of each exchange on which registered
Common Stock, $0.01 par value	HONE	The NASDAQ Stock Market, LLC

Item 2.02

Results of Operations and Financial Condition

On January 30, 2024, HarborOne Bancorp, Inc. (the “Company”), the holding company for HarborOne Bank, issued a press release announcing its financial results for the quarter ended December 31, 2023. The Company’s press release is included as Exhibit 99.1 to this report.

The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section.

Item 7.01

Regulation FD Disclosure

The Company has prepared an investor presentation about the Company’s operations and performance that management intends to use from time to time on and after January 30, 2024. The investor presentation is attached as Exhibit 99.2 to this report.

The information set forth in this Item 7.01 and in the attached Exhibit 99.2 shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities under that Section.

Item 9.01Financial Statements and Exhibits

(d)Exhibits


Number		Description

99.1		Press release dated January 30, 2024
99.2		Investor Presentation
104		Cover Page Interactive Data File (formatted as inline XBRL)

EXHIBIT INDEX


Number		Description

99.1		Press release dated January 30, 2024
99.2		Investor Presentation
104		Cover Page Interactive Data File (formatted as inline XBRL)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.

3

	HARBORONE BANCORP, INC.

	By:	/s/ Joseph F. Casey

	Name:	Joseph F. Casey
	Title:	President and
		Chief Executive Officer

Date: January 30, 2024

Exhibit 99.1

HarborOne Bancorp, Inc. Announces 2023 Fourth Quarter Results

Contact: Joseph F. Casey, President and CEO

Brockton, Massachusetts (January 30, 2024): HarborOne Bancorp, Inc. (the “Company” or “HarborOne”) (NASDAQ: HONE), the holding company for HarborOne Bank (the “Bank”), announced net income of $16.1 million, or $0.37 per diluted share, for the year ended December 31, 2023, a decrease of $29.5 million, or 64.7%, compared to net income of $45.6 million, or $0.97 per diluted share, for the year ended December 31, 2022. For the fourth quarter of 2023, the Company reported a net loss of $7.1 million, or $0.17 per diluted share, compared to net income of $8.4 million, or $0.20 per diluted share, for the preceding quarter and net income of $9.6 million, or $0.21 per diluted share, for the same period last year.

The results for the quarter and year ended December 31, 2023 were significantly impacted by the full impairment of goodwill at Harbor One Mortgage, LLC (“HarborOne Mortgage”) in the amount of $10.8 million. Throughout 2023 HarborOne Mortgage, and the mortgage banking industry in general, faced significant headwinds. The combination of the average residential mortgage rate reaching twenty-year highs during 2023 and a housing market with low inventory and higher prices, generated the lowest annual residential mortgage loan origination volume in two decades. As a result of these conditions, the impairment analysis of goodwill completed in the fourth quarter resulted in a determination that the goodwill at HarborOne Mortgage was fully impaired.

Excluding the HarborOne Mortgage goodwill impairment charge of $10.8 million, included in noninterest expense, net income and diluted earnings per share for the quarter and year ended December 31, 2023 were $3.7 million, or $0.09⁽¹⁾ per diluted share and $26.9 million, or $0.62⁽¹⁾ per diluted share, respectively. Goodwill impairment is a non-cash charge that has no impact on our liquidity, or regulatory capital ratios.

Selected Financial Highlights:

●

Deposit growth, excluding brokered deposits, of $172.7 million, or 4.4%, year over year.

●

Strong asset quality; nonperforming loans as a percentage of total loans were 0.37% compared to 0.39% last quarter

●

Excluding the goodwill impairment, reduced noninterest expense 8.2% year over year.

●

Loan growth of $200.6 million, or 4.4%, year over year.

●

Continued share repurchase program, repurchasing 570,527 shares at an average cost of $10.15 per share, totaling $5.8 million.

●

Redeemed $35 million subordinated debt with an 8.45% interest rate.

“I am very proud of the progress our team is making in building our relationship bank model,” said Joseph F. Casey, President and CEO. “We have customer deposit growth of over 4% in 2023, as well as growth in deposit market share in about 80% of our markets. This growth will position us well for the future.”

Net Interest Income

The Company’s net interest and dividend income was $29.7 million for the quarter ended December 31, 2023, compared to $31.1 million for the quarter ended September 30, 2023, and $39.2 million for the quarter ended December 31, 2022. The tax equivalent interest rate spread and net interest margin were 1.56% and 2.23%, respectively, for the quarter ended December 31, 2023, compared to 1.70% and 2.34%, respectively, for the quarter ended September 30, 2023, and 2.88% and 3.23%, respectively, for the quarter ended December 31, 2022.

On December 1, 2023, the Company elected to redeem its subordinated notes in the amount of $35 million. This early redemption resulted in interest expense of $620,000 for the remaining unamortized issuance costs during the quarter. Issuance cost amortization recorded in the quarter ended September 30, 2023 was $32,000. For the quarter ended December 31, 2023, the tax equivalent interest rate spread and net interest margin excluding the additional amortization were 1.62% and 2.27%, respectively.

On a linked-quarter basis, the decreases in net interest and dividend income, tax equivalent interest rate spread, and net interest margin primarily reflect a higher cost of funding, partially offset by increased loan balances and yields, with liability repricing outpacing assets. While the yield on interest-earning assets increased 7 basis points from the preceding quarter, the cost of interest-bearing liabilities increased 21 basis points, in a competitive deposit pricing market.

The $9.5 million decrease in net interest and dividend income from the prior year quarter reflects an increase of $22.0 million, or 172.6%, in total interest expense, partially offset by an increase of $12.5 million, or 24.0%, in total interest and dividend income. The changes

reflect rate and volume changes in both interest-bearing assets and liabilities. The cost of interest-bearing liabilities increased 186 basis points, while the average balance increased $597.7 million, and the yield on interest-earning assets increased 54 basis points, while the average balance increased $496.8 million.

The quarter and year-to-date results reflect the continuing impact of the successive federal funds rate increases that occurred from March 2022 to July 2023 totaling 525 basis points. The current market expectations for 2024 suggest falling rates throughout the year, although pressure may remain on deposit pricing in competitive markets as financial institutions continue to prioritize customer deposit funding.

Noninterest Income

Total noninterest income decreased $2.7 million, or 23.2%, to $8.9 million for the quarter ended December 31, 2023, from $11.6 million for the quarter ended September 30, 2023. The decrease was primarily driven by a decrease in the mortgage servicing rights (“MSR”) valuation for the three months ended December 31, 2023 of $3.1 million, compared to an increase of $770,000 for the three months ended September 30, 2023. The MSR valuation was negatively impacted by key benchmark rates used in the valuation model, which decreased from the prior quarter. The impact on the MSR of principal payments on the underlying mortgages was $487,000 and $645,000 for the quarters ended, December 31, 2023 and September 30, 2023, respectively.

Persistent low inventory of for-sale residential real estate and elevated mortgage interest rates continued to impact the results of HarborOne Mortgage with gain on loan sales of $2.2 million from mortgage loan closings of $124.2 million for the quarter ended December 31, 2023, compared to $2.7 million in gain on loan sales from mortgage loan closings of $157.6 million in the preceding quarter.

Total noninterest income for the quarter and year ended December 31, 2023 included a $305,000 gain on sale of a former bank branch, and $582,000 recognized on a revenue enhancing Bank-owned life insurance (“BOLI”) surrender and exchange strategy. The BOLI income was offset by a $464,000 corresponding tax impact included in the provision for income taxes and a modified endowment contract charge included in noninterest expense.

Total noninterest income decreased $996,000, or 10.1%, compared to the quarter ended December 31, 2022, primarily due to a $1.1 million, or 53.7%, decrease in mortgage banking income. The prior year quarter reflected a $2.1 million decrease in the fair value of the MSR.

Noninterest Expense

Total noninterest expense increased $11.3 million, or 35.6% to $43.2 million for the quarter ended December 31, 2023, from $31.9 million for the quarter ended September 30, 2023. Excluding the one-time $10.8 million goodwill impairment charge, noninterest expenses for the quarter ended December 31, 2023 were $32.4 million. The linked-quarter increase, excluding the goodwill impairment charge, was $582,000. Loan expense for the quarter ended December 31, 2023 includes a $629,000 reversal of repurchase reserve at HarborOne Mortgage based on updated assumptions used to determine the estimate.

Total noninterest expense increased $8.6 million, or 24.7% compared to the prior year quarter of $34.6 million. Excluding the goodwill impairment charge, noninterest expenses decreased $2.2 million from the prior year quarter. Full-time equivalent employees decreased 80 for the year ended December 31, 2023, as HarborOne Mortgage and the Bank proactively enacted cost saving measures, including reductions in force. The reduction in force resulted in a decrease in compensation and benefits expense of $905,000, primarily reflecting decreased salary, mortgage origination commission and incentive accruals, and an occupancy and equipment expense decrease of $265,000. These decreases were partially offset by a $409,000 increase in deposit insurance expense.

Asset Quality and Allowance for Credit Losses

Total nonperforming assets were $17.6 million at December 31, 2023, compared to $18.8 million at September 30, 2023 and $14.8 million at December 31, 2022. Nonperforming assets as a percentage of total assets were 0.31% at December 31, 2023, 0.33% at September 30, 2023, and 0.28% at December 31, 2022.

The Company recorded a provision for loan credit losses of $970,000 and $6.7 million for the quarter and year ended December 31, 2023. The provision for loan credit losses for the quarter and year ended December 31, 2022 was $2.1 million and $5.7 million, respectively, and the Company recorded a provision for loan credit losses of $474,000 for the quarter ended September 30, 2023. Net charge-offs totaled $1.3 million, or 0.11%, and $4.0 million, or 0.08%, of average loans outstanding on an annualized basis, for the quarter and year ended December 31, 2023, respectively. Net charge-offs totaled $2.1 million, or 0.19%, of average loans outstanding on an annualized basis, for the quarter ended December 31, 2022 and net recoveries totaled $18,000 for the quarter ended September 30, 2023. Loan credit loss provisioning for the fourth quarter and the years ended December 31, 2023 and 2022, primarily reflect replenishment of the allowance for credit losses (“ACL”) on loans due to charge-offs and loan growth.

The ACL on loans was $48.0 million, or 1.01% of total loans, at December 31, 2023, compared to $48.3 million, or 1.02% of total loans, at September 30, 2023 and $45.2 million, or 0.99% of total loans, at December 31, 2022. The ACL on unfunded commitments, included

in other liabilities on the unaudited Consolidated Balance Sheets, amounted to $3.9 million at December 31, 2023, compared to $4.2 million at September 30, 2023 and $4.9 million at December 31, 2022.

Management continues to closely monitor the loan portfolio for signs of deterioration in light of speculation that commercial real estate values may deteriorate as the market adjusts to higher vacancies and interest rates. The commercial real estate portfolio is centered in New England, with approximately 75% of the portfolio secured by property located in Massachusetts and Rhode Island. Approximately 60% of the commercial real estate loans are fixed-rate loans with, in the opinion of management, limited near-term maturity risk.

Management also continues to monitor certain sectors within the commercial real estate segment that may be particularly susceptible to increased credit risk as a result of trends that were precipitated by the COVID-19 pandemic and may be exacerbated by current economic conditions. This includes business-oriented hotels, non-anchored retail space, and metro office space. As of December 31, 2023, business-oriented hotels loans included 14 loans with a total outstanding balance of $122.7 million, non-anchored retail space loans included 28 loans with a total outstanding balance of $44.8 million, and metro office space loans included two loans with a total outstanding balance of $10.8 million. During the fourth quarter of 2023, a charge-off of $1.3 million was recorded on one of the metro office space loans based on a purchase and sale agreement that is expected to close in the second quarter of 2024. As of December 31, 2023, this loan has a carrying value of $5.7 million, was rated doubtful and on nonaccrual. There is also one business-oriented hotel credit with a carrying value of $1.7 million that was rated substandard and on nonaccrual. The other loans in these groups were performing in accordance with their terms.

Balance Sheet

Total assets were $5.67 billion and $5.36 billion as of December 31, 2023 and 2022, respectively, and $5.66 billion at September 30, 2023. The linked-quarter increase and year-over-year increase primarily reflect increases in total loans and cash and cash equivalents.

Available-for-sale securities were $290.2 million and $301.1 million at December 31, 2023 and 2022, respectively and $271.1 million at September 30, 2023. The unrealized loss on securities available for sale was $62.0 million and $68.3 million as of December 31, 2023 and 2022, respectively, as compared to $81.3 million of unrealized losses as of September 30, 2023. Securities held to maturity were flat at $19.8 million, or 0.4% of total assets, during 2023.

Loans increased $27.5 million, or 0.6%, to $4.75 billion at December 31, 2023, from $4.72 billion at September 30, 2023. The increase in loans for the three months ended December 31, 2023 was primarily due to increases in commercial construction loans of $17.2 million, commercial and industrial loans of $15.9 million, and residential mortgage loans of $2.8 million, partially offset by decreases in commercial real estate loans of $6.2 million and consumer loans of $2.2 million.

Total deposits were $4.39 billion at December 31, 2023 and $4.41 billion at September 30, 2023. Compared to the prior quarter, non-certificate accounts decreased $76.4 million and term certificate accounts increased $4.2 million, as competitive rate specials attracted term certificate deposits during the quarter. Brokered deposits increased $49.7 million. As of December 31, 2023, FDIC-insured deposits were approximately 68% of total deposits, including Bank subsidiary deposits. Including Depositors Insurance Fund (“DIF”) excess insurance coverage that remains available until February 24, 2024, insured deposits are approximately 84% of total deposits, including Bank subsidiary deposits. Although the Bank exited the DIF as of February 24, 2023, insurance remains in place for funds on deposit as of that date for one year, or until maturity for term certificates.

FHLB borrowings increased $93.0 million to $568.5 million at December 31, 2023 from $475.5 million at September 30, 2023. As of December 31, 2023, the Bank had $1.18 billion in available borrowing capacity across multiple relationships. Additionally, on December 1, 2023, the Company redeemed its $35.0 million in subordinated debt.

Total stockholders’ equity was $583.8 million at December 31, 2023, compared to $584.6 million at September 30, 2023 and $617.0 million at December 31, 2022. Stockholders’ equity decreased 0.1% when compared to the prior quarter, as net loss and share repurchases were partially offset by a decrease in unrealized loss on available-for-sale securities. As of December 31, 2023, the Company’s sixth share repurchase program, commenced in the third quarter of 2023, is ongoing with 1,223,050 shares repurchased, at an average price of $10.05, including $0.10 per share of excise tax, since commencement. The tangible-common-equity-to-tangible-assets ratio⁽²⁾ was 9.33% at December 31, 2023, 9.17% at September 30, 2023, and 10.31% at December 31, 2022. At December 31, 2023, the Company and the Bank had strong capital positions, exceeding all regulatory capital requirements, and are considered well-capitalized.

⁽¹⁾ This non-GAAP ratio is net loss less goodwill impairment to weighted average shares outstanding on a diluted basis.

⁽²⁾ This non-GAAP ratio is total stockholders equity less goodwill and intangible assets to total assets less goodwill and intangible assets.

About HarborOne Bancorp, Inc.

HarborOne Bancorp, Inc. is the holding company for HarborOne Bank, a Massachusetts-chartered trust company. HarborOne Bank serves the financial needs of consumers, businesses, and municipalities throughout Eastern Massachusetts and Rhode Island through a network of 30 full-service banking centers located in Massachusetts and Rhode Island, and commercial lending offices in Boston,

Massachusetts and Providence, Rhode Island. HarborOne Bank also provides a range of educational resources through “HarborOne U,” with free digital content, webinars, and recordings for small business and personal financial education. HarborOne Mortgage, LLC, a subsidiary of HarborOne Bank, provides mortgage lending services throughout New England and other states.

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 interest rates; changes in customer behavior; ongoing turbulence in the capital and debt markets and the impact of such conditions on the Company’s business activities; 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 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.

Use of Non-GAAP Measures

In addition to results presented in accordance with generally accepted accounting principles (“GAAP”), this press release contains certain non-GAAP financial measures. The Company’s management believes that the supplemental non-GAAP information, which consists of income statement results excluding the goodwill impairment charge, total noninterest expense excluding the goodwill impairment charge, diluted earnings per share excluding the impairment charge, Return on average assets (ROAA), excluding the goodwill impairment charge, Return on average equity (ROAE), excluding goodwill impairment charge, the efficiency ratio, efficiency ratio excluding the goodwill impairment charge, tangible common equity to tangible assets ratio and tangible book value per share, is utilized by regulators and market analysts to evaluate a company’s financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures which may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies’ non-GAAP financial measures having the same or similar names.

HarborOne Bancorp, Inc.

Consolidated Balance Sheet Trend

(Unaudited)


	December 31,		September 30,		June 30,		March 31,		December 31,
(in thousands)	2023		2023		2023		2023		2022

Assets

Cash and due from banks	$	38,876	$	38,573	$	43,525	$	38,989	$	39,712
Short-term investments		188,474		208,211		209,326		210,765		58,305
Total cash and cash equivalents		227,350		246,784		252,851		249,754		98,017

Securities available for sale, at fair value		290,151		271,078		292,012		303,059		301,149
Securities held to maturity, at amortized cost		19,796		19,795		19,839		19,838		19,949
Federal Home Loan Bank stock, at cost		27,098		23,378		27,123		23,589		20,071
Asset held for sale		348		966		966		—		—
Loans held for sale, at fair value		19,686		17,796		20,949		13,956		18,544
Loans:
Commercial real estate		2,343,675		2,349,886		2,286,688		2,286,727		2,250,344
Commercial construction		208,443		191,224		228,902		212,689		199,311
Commercial and industrial		466,443		450,547		453,422		423,036		424,275
Total commercial loans		3,018,561		2,991,657		2,969,012		2,922,452		2,873,930
Residential real estate		1,709,714		1,706,950		1,701,766		1,667,934		1,634,319
Consumer		22,036		24,247		27,425		32,246		41,421
Loans		4,750,311		4,722,854		4,698,203		4,622,632		4,549,670
Less: Allowance for credit losses on loans		(47,972)		(48,312)		(47,821)		(46,994)		(45,236)
Net loans		4,702,339		4,674,542		4,650,382		4,575,638		4,504,434
Mortgage servicing rights, at fair value		46,111		49,201		48,176		47,080		48,138
Goodwill		59,042		69,802		69,802		69,802		69,802
Other intangible assets		1,515		1,704		1,893		2,082		2,272
Other assets		274,460		289,341		275,261		268,060		277,169
Total assets	$	5,667,896	$	5,664,387	$	5,659,254	$	5,572,858	$	5,359,545

Liabilities and Stockholders' Equity

Deposits:
Demand deposit accounts	$	659,973	$	708,847	$	717,572	$	726,548	$	762,576
NOW accounts		305,825		289,141		286,956		287,376		297,692
Regular savings and club accounts		1,265,315		1,324,635		1,390,906		1,455,318		1,468,172
Money market deposit accounts		966,201		951,128		834,120		796,008		861,704
Term certificate accounts		863,457		859,266		742,931		653,553		497,975
Brokered deposits		326,638		276,941		315,003		322,927		301,380
Total deposits		4,387,409		4,409,958		4,287,488		4,241,730		4,189,499
FHLB borrowings		568,462		475,470		604,568		590,665		400,675
Subordinated debt		—		34,380		34,348		34,317		34,285
Other liabilities and accrued expenses		128,266		159,945		137,318		106,352		118,110
Total liabilities		5,084,137		5,079,753		5,063,722		4,973,064		4,742,569

Common stock		598		597		597		597		596
Additional paid-in capital		486,502		485,144		484,544		483,831		483,031
Unearned compensation - ESOP		(25,785)		(26,245)		(26,704)		(27,164)		(27,623)
Retained earnings		359,656		369,930		364,709		360,454		356,438
Treasury stock		(193,590)		(187,803)		(181,324)		(175,514)		(148,384)
Accumulated other comprehensive loss		(43,622)		(56,989)		(46,290)		(42,410)		(47,082)
Total stockholders' equity		583,759		584,634		595,532		599,794		616,976

Total liabilities and stockholders' equity	$	5,667,896	$	5,664,387	$	5,659,254	$	5,572,858	$	5,359,545

HarborOne Bancorp, Inc.

Consolidated Statements of Net Income - Trend

(Unaudited)


	Quarters Ended
	December 31,		September 30,		June 30,		March 31,		December 31,
(in thousands, except share data)	2023		2023		2023		2023		2022

Interest and dividend income:
Interest and fees on loans	$	59,499	$	58,124	$	55,504	$	52,771	$	49,177
Interest on loans held for sale		369		370		326		286		334
Interest on securities		2,001		2,003		2,035		2,079		2,045
Other interest and dividend income		2,516		2,667		2,935		803		359
Total interest and dividend income		64,385		63,164		60,800		55,939		51,915

Interest expense:
Interest on deposits		27,310		25,039		20,062		15,913		8,499
Interest on FHLB and FRB borrowings		6,260		6,439		8,114		5,105		3,703
Interest on subordinated debentures		1,122		606		524		523		524
Total interest expense		34,692		32,084		28,700		21,541		12,726

Net interest and dividend income		29,693		31,080		32,100		34,398		39,189

Provision (benefit) for credit losses		644		(113)		3,283		1,866		2,108

Net interest and dividend income, after provision for credit losses		29,049		31,193		28,817		32,532		37,081

Noninterest income:
Mortgage banking income:
Gain on sale of mortgage loans		2,176		2,704		3,300		2,224		2,301
Changes in mortgage servicing rights fair value		(3,553)		125		436		(1,692)		(2,631)
Other		2,301		2,270		2,312		2,216		2,325
Total mortgage banking income		924		5,099		6,048		2,748		1,995

Deposit account fees		5,178		5,133		5,012		4,733		5,031
Income on retirement plan annuities		147		146		128		119		118
Bank-owned life insurance income		1,207		531		511		500		501
Other income		1,448		689		963		590		2,255
Total noninterest income		8,904		11,598		12,662		8,690		9,900

Noninterest expenses:
Compensation and benefits		19,199		18,699		18,220		17,799		20,104
Occupancy and equipment		4,670		4,430		4,633		5,040		4,935
Data processing		2,474		2,548		2,403		2,346		2,359
Loan (income) expense		(317)		385		417		313		169
Marketing		811		794		925		1,181		862
Professional fees		1,690		1,374		1,114		1,501		1,446
Deposit insurance		795		1,004		1,176		510		385
Goodwill impairment		10,760		—		—		—		—
Other expenses		3,132		2,638		2,837		2,819		4,384
Total noninterest expenses		43,214		31,872		31,725		31,509		34,644

(Loss) income before income taxes		(5,261)		10,919		9,754		9,713		12,337

Income tax provision		1,850		2,507		2,275		2,416		2,760

Net (loss) income	$	(7,111)	$	8,412	$	7,479	$	7,297	$	9,577

(Losses) earnings per common share:
Basic	$	(0.17)	$	0.20	$	0.17	$	0.16	$	0.21
Diluted	$	(0.17)	$	0.20	$	0.17	$	0.16	$	0.21
Weighted average shares outstanding:
Basic		42,111,872		42,876,893		43,063,507		44,857,224		45,321,491
Diluted		42,299,858		42,983,477		43,133,455		45,284,240		45,861,658

HarborOne Bancorp, Inc.

Consolidated Statements of Net Income - Trend

(Unaudited)


	For the Years Ended December 31,
(dollars in thousands, except share data)	2023		2022		$ Change		% Change

Interest and dividend income:
Interest and fees on loans	$	225,898	$	162,340	$	63,558	39.2	%
Interest on loans held for sale		1,351		1,306		45	3.4
Interest on securities		8,118		7,590		528	7.0
Other interest and dividend income		8,921		694		8,227	1185.4
Total interest and dividend income		244,288		171,930		72,358	42.1

Interest expense:
Interest on deposits		88,324		15,630		72,694	465.1
Interest on FHLB and FRB borrowings		25,918		5,219		20,699	396.6
Interest on subordinated debentures		2,775		2,095		680	32.5
Total interest expense		117,017		22,944		94,073	410.0

Net interest and dividend income		127,271		148,986		(21,715)	(14.6)

Provision for credit losses		5,680		5,660		20	0.4

Net interest and dividend income, after provision for credit losses		121,591		143,326		(21,735)	(15.2)

Noninterest income:
Mortgage banking income:
Gain on sale of mortgage loans		10,404		15,970		(5,566)	(34.9)
Changes in mortgage servicing rights fair value		(4,684)		5,332		(10,016)	(187.8)
Other		9,099		9,948		(849)	(8.5)
Total mortgage banking income		14,819		31,250		(16,431)	(52.6)

Deposit account fees		20,056		19,265		791	4.1
Income on retirement plan annuities		540		456		84	18.4
Bank-owned life insurance income		2,749		1,981		768	38.8
Other income		3,690		4,357		(667)	(15.3)
Total noninterest income		41,854		57,309		(15,455)	(27.0)

Noninterest expenses:
Compensation and benefits		73,917		83,273		(9,356)	(11.2)
Occupancy and equipment		18,773		19,767		(994)	(5.0)
Data processing		9,771		9,170		601	6.6
Loan expense		798		1,387		(589)	(42.5)
Marketing		3,711		3,916		(205)	(5.2)
Professional fees		5,679		6,122		(443)	(7.2)
Deposit insurance		3,485		1,445		2,040	141.2
Goodwill impairment		10,760		—		10,760	0.0
Other expenses		11,426		13,826		(2,400)	(17.4)
Total noninterest expenses		138,320		138,906		(586)	(0.4)

Income before income taxes		25,125		61,729		(36,604)	(59.3)

Income tax provision		9,048		16,140		(7,092)	(43.9)

Net income	$	16,077	$	45,589	$	(29,512)	(64.7)	%

Earnings per common share:
Basic	$	0.37	$	0.98
Diluted	$	0.37	$	0.97
Weighted average shares outstanding:
Basic		43,221,738		46,483,664
Diluted		43,419,622		47,118,457

HarborOne Bancorp, Inc.

Average Balances / Yields

(Unaudited)


	Quarters Ended
	December 31, 2023							September 30, 2023							December 31, 2022
	Average							Average							Average
	Outstanding					Yield/		Outstanding					Yield/		Outstanding					Yield/
	Balance			Interest		Cost ⁽⁸⁾		Balance			Interest		Cost ⁽⁸⁾		Balance			Interest		Cost ⁽⁸⁾

	(dollars in thousands)
Interest-earning assets:
Investment securities ⁽¹⁾	$	370,683		$	2,001	2.14	%	$	375,779		$	2,003	2.11	%	$	388,247		$	2,045	2.09	%
Other interest-earning assets		205,929			2,516	4.85			207,234			2,667	5.11			42,640			359	3.34
Loans held for sale		20,010			369	7.32			20,919			370	7.02			22,350			334	5.93
Loans
Commercial loans⁽²⁾⁽³⁾		3,005,840			41,263	5.45			2,980,817			40,438	5.38			2,770,667			34,351	4.92
Residential real estate loans⁽³⁾⁽⁴⁾		1,707,978			18,103	4.21			1,700,383			17,525	4.09			1,566,389			14,352	3.64
Consumer loans ⁽³⁾		22,324			384	6.82			25,126			412	6.51			45,629			632	5.50
Total loans		4,736,142			59,750	5.01			4,706,326			58,375	4.92			4,382,685			49,335	4.47
Total interest-earning assets		5,332,764			64,636	4.81			5,310,258			63,415	4.74			4,835,922			52,073	4.27
Noninterest-earning assets		313,729							314,030							311,372
Total assets	$	5,646,493						$	5,624,288						$	5,147,294
Interest-bearing liabilities:
Savings accounts	$	1,307,774			6,875	2.09		$	1,360,728			6,787	1.98		$	1,408,493			3,591	1.01
NOW accounts		290,147			122	0.17			274,329			75	0.11			291,890			40	0.05
Money market accounts		963,223			9,288	3.83			910,694			8,355	3.64			878,609			3,312	1.50
Certificates of deposit		859,274			8,329	3.85			818,182			7,212	3.50			487,121			1,062	0.86
Brokered deposits		288,449			2,696	3.71			287,428			2,610	3.60			148,460			494	1.32
Total interest-bearing deposits		3,708,867			27,310	2.92			3,651,361			25,039	2.72			3,214,573			8,499	1.05
FHLB and FRB borrowings		507,520			6,260	4.89			508,001			6,439	5.03			392,508			3,703	3.74
Subordinated debentures		22,614			1,122	19.68			34,364			606	7.00			34,268			524	6.07
Total borrowings		530,134			7,382	5.52			542,365			7,045	5.15			426,776			4,227	3.93
Total interest-bearing liabilities		4,239,001			34,692	3.25			4,193,726			32,084	3.04			3,641,349			12,726	1.39
Noninterest-bearing liabilities:
Noninterest-bearing deposits		683,548							705,009							788,572
Other noninterest-bearing liabilities		137,239							126,742							101,621
Total liabilities		5,059,788							5,025,477							4,531,542
Total stockholders' equity		586,705							598,811							615,752
Total liabilities and stockholders' equity	$	5,646,493						$	5,624,288						$	5,147,294
Tax equivalent net interest income					29,944							31,331							39,347
Tax equivalent interest rate spread⁽⁵⁾						1.56	%						1.70	%						2.88	%
Less: tax equivalent adjustment					251							251							158
Net interest income as reported				$	29,693						$	31,080						$	39,189
Net interest-earning assets ⁽⁶⁾	$	1,093,763						$	1,116,532						$	1,194,573
Net interest margin⁽⁷⁾						2.21	%						2.32	%						3.22	%
Tax equivalent effect						0.02							0.02							0.01
Net interest margin on a fully tax equivalent basis						2.23	%						2.34	%						3.23	%
Ratio of interest-earning assets to interest-bearing liabilities		125.80	%						126.62	%						132.81	%

Supplemental information:
Total deposits, including demand deposits	$	4,392,415		$	27,310			$	4,356,370		$	25,039			$	4,003,145		$	8,499
Cost of total deposits						2.47	%						2.28	%						0.84	%
Total funding liabilities, including demand deposits	$	4,922,549		$	34,692			$	4,898,735		$	32,084			$	4,429,921		$	12,726
Cost of total funding liabilities						2.80	%						2.60	%						1.14	%

⁽¹⁾ Includes securities available for sale and securities held to maturity.
⁽²⁾ Tax-exempt income on industrial revenue bonds is included in commercial loans on a tax-equivalent basis.
⁽³⁾ Includes nonaccruing loan balances and interest received on such loans.
⁽⁴⁾ Includes the basis adjustments of certain loans included in fair value hedging relationships.
⁽⁵⁾ Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
⁽⁶⁾ Net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities.
⁽⁷⁾ Net interest margin represents net interest income divided by average total interest-earning assets.
⁽⁸⁾ Annualized.

HarborOne Bancorp, Inc.

Average Balances / Yields

(Unaudited)


	For the Years Ended
	December 31, 2023							December 31, 2022
	Average							Average
	Outstanding					Yield/		Outstanding					Yield/
	Balance			Interest		Cost ⁽⁸⁾		Balance			Interest		Cost ⁽⁸⁾

	(dollars in thousands)

Interest-earning assets:
Investment securities ⁽¹⁾	$	378,828		$	8,118	2.14	%	$	390,894		$	7,590	1.94	%
Other interest-earning assets		179,338			8,921	4.97			70,987			694	0.98
Loans held for sale		19,671			1,351	6.87			27,409			1,306	4.76
Loans
Commercial loans ⁽²⁾⁽³⁾		2,956,956			157,379	5.32			2,493,646			110,305	4.42
Residential real estate loans ⁽³⁾⁽⁴⁾		1,684,793			67,701	4.02			1,398,190			48,645	3.48
Consumer loans ⁽³⁾		28,149			1,734	6.16			78,766			3,811	4.84
Total loans		4,669,898			226,814	4.86			3,970,602			162,761	4.10
Total interest-earning assets		5,247,735			245,204	4.67			4,459,892			172,351	3.86
Noninterest-earning assets		311,558							314,670
Total assets	$	5,559,293						$	4,774,562
Interest-bearing liabilities:
Savings accounts	$	1,386,891			25,271	1.82		$	1,284,364			5,794	0.45
NOW accounts		280,218			292	0.10			302,530			156	0.05
Money market accounts		875,722			29,138	3.33			879,133			5,632	0.64
Certificates of deposit		735,614			23,499	3.19			495,066			3,248	0.66
Brokered deposits		296,838			10,124	3.41			112,939			800	0.71
Total interest-bearing deposits		3,575,283			88,324	2.47			3,074,032			15,630	0.51
FHLB and FRB borrowings		532,586			25,918	4.87			170,748			5,219	3.06
Subordinated debentures		31,378			2,775	8.84			34,221			2,095	6.12
Total borrowings		563,964			28,693	5.09			204,969			7,314	3.57
Total interest-bearing liabilities		4,139,247			117,017	2.83			3,279,001			22,944	0.70
Noninterest-bearing liabilities:
Noninterest-bearing deposits		705,438							771,299
Other noninterest-bearing liabilities		113,675							85,995
Total liabilities		4,958,360							4,136,295
Total stockholders' equity		600,933							638,267
Total liabilities and stockholders' equity	$	5,559,293						$	4,774,562
Tax equivalent net interest income					128,187							149,407
Tax equivalent interest rate spread ⁽⁵⁾						1.84	%						3.16	%
Less: tax equivalent adjustment					916							421
Net interest income as reported				$	127,271						$	148,986
Net interest-earning assets ⁽⁶⁾	$	1,108,488						$	1,180,891
Net interest margin ⁽⁷⁾						2.43	%						3.34	%
Tax equivalent effect						0.01							0.01
Net interest margin on a fully tax equivalent basis						2.44	%						3.35	%
Ratio of interest-earning assets to interest-bearing liabilities		126.78	%						136.01	%

Supplemental information:
Total deposits, including demand deposits	$	4,280,721		$	88,324			$	3,845,331		$	15,630
Cost of total deposits						2.06	%						0.41	%
Total funding liabilities, including demand deposits	$	4,844,685		$	117,017			$	4,050,300		$	22,944
Cost of total funding liabilities						2.42	%						0.57	%

⁽¹⁾ Includes securities available for sale and securities held to maturity.
⁽²⁾ Tax-exempt income on industrial revenue bonds is included in commercial loans on a tax-equivalent basis.
⁽³⁾ Includes nonaccruing loan balances and interest received on such loans.
⁽⁴⁾Includes the basis adjustments of certain loans included in fair value hedging relationships.
⁽⁵⁾ Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
⁽⁶⁾ Net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities.
⁽⁷⁾Net interest margin represents net interest income divided by average total interest-earning assets.

HarborOne Bancorp, Inc.

Average Balances and Yield Trend

(Unaudited)


	Average Balances - Trend - Quarters Ended
		December 31,			September 30,			June 30,			March 31,			December 31,
		2023			2023			2023			2023			2022

	(in thousands)

Interest-earning assets:
Investment securities ⁽¹⁾	$	370,683		$	375,779		$	381,762		$	387,303		$	388,247
Other interest-earning assets		205,929			207,234			238,891			63,426			42,640
Loans held for sale		20,010			20,919			19,614			18,108			22,350
Loans
Commercial loans ⁽²⁾⁽³⁾		3,005,840			2,980,817			2,938,292			2,901,464			2,770,667
Residential real estate loans ⁽³⁾⁽⁴⁾		1,707,978			1,700,383			1,682,860			1,647,109			1,566,389
Consumer loans ⁽³⁾		22,324			25,126			29,025			36,310			45,629
Total loans		4,736,142			4,706,326			4,650,177			4,584,883			4,382,685
Total interest-earning assets		5,332,764			5,310,258			5,290,444			5,053,720			4,835,922
Noninterest-earning assets		313,729			314,030			305,132			313,309			311,372
Total assets	$	5,646,493		$	5,624,288		$	5,595,576		$	5,367,029		$	5,147,294
Interest-bearing liabilities:
Savings accounts	$	1,307,774		$	1,360,728		$	1,421,622		$	1,459,392		$	1,408,493
NOW accounts		290,147			274,329			280,501			275,801			291,890
Money market accounts		963,223			910,694			802,373			824,694			878,609
Certificates of deposit		859,274			818,182			708,087			552,636			487,121
Brokered deposits		288,449			287,428			281,614			330,426			148,460
Total interest-bearing deposits		3,708,867			3,651,361			3,494,197			3,442,949			3,214,573
FHLB and FRB borrowings		507,520			508,001			666,345			448,096			392,508
Subordinated debentures		22,614			34,364			34,331			34,298			34,268
Total borrowings		530,134			542,365			700,676			482,394			426,776
Total interest-bearing liabilities		4,239,001			4,193,726			4,194,873			3,925,343			3,641,349
Noninterest-bearing liabilities:
Noninterest-bearing deposits		683,548			705,009			712,081			721,536			788,572
Other noninterest-bearing liabilities		137,239			126,742			88,363			101,820			101,621
Total liabilities		5,059,788			5,025,477			4,995,317			4,748,699			4,531,542
Total stockholders' equity		586,705			598,811			600,259			618,330			615,752
Total liabilities and stockholders' equity	$	5,646,493		$	5,624,288		$	5,595,576		$	5,367,029		$	5,147,294

	Annualized Yield Trend - Quarters Ended
		December 31,			September 30,			June 30,			March 31,			December 31,
		2023			2023			2023			2023			2022

Interest-earning assets:
Investment securities ⁽¹⁾		2.14	%		2.11	%		2.14	%		2.18	%		2.09	%
Other interest-earning assets		4.85	%		5.11	%		4.93	%		5.13	%		3.34	%
Loans held for sale		7.32	%		7.02	%		6.67	%		6.41	%		5.93	%
Commercial loans ⁽²⁾⁽³⁾		5.45	%		5.38	%		5.30	%		5.15	%		4.92	%
Residential real estate loans ⁽³⁾⁽⁴⁾		4.21	%		4.09	%		3.92	%		3.85	%		3.64	%
Consumer loans ⁽³⁾		6.82	%		6.51	%		5.79	%		5.80	%		5.50	%
Total loans		5.01	%		4.92	%		4.81	%		4.69	%		4.47	%
Total interest-earning assets		4.81	%		4.74	%		4.63	%		4.51	%		4.27	%

Interest-bearing liabilities:
Savings accounts		2.09	%		1.98	%		1.74	%		1.51	%		1.01	%
NOW accounts		0.17	%		0.11	%		0.08	%		0.05	%		0.05	%
Money market accounts		3.83	%		3.64	%		3.13	%		2.58	%		1.50	%
Certificates of deposit		3.85	%		3.50	%		2.99	%		1.97	%		0.86	%
Brokered deposits		3.71	%		3.60	%		3.29	%		3.08	%		1.32	%
Total interest-bearing deposits		2.92	%		2.72	%		2.30	%		1.87	%		1.05	%
FHLB and FRB borrowings		4.89	%		5.03	%		4.88	%		4.62	%		3.74	%
Subordinated debentures		19.68	%		7.00	%		6.12	%		6.18	%		6.07	%
Total borrowings		5.52	%		5.15	%		4.94	%		4.73	%		3.93	%
Total interest-bearing liabilities		3.25	%		3.04	%		2.74	%		2.23	%		1.39	%

⁽¹⁾ Includes securities available for sale and securities held to maturity.
⁽²⁾ Tax-exempt income on industrial revenue bonds is included in commercial loans on a tax-equivalent basis.
⁽³⁾ Includes nonaccruing loan balances and interest received on such loans.
⁽⁴⁾Includes the basis adjustments of certain loans included in fair value hedging relationships.

HarborOne Bancorp, Inc.

Selected Financial Highlights

(Unaudited)


	Quarters Ended
	December 31,			September 30,			June 30,			March 31,			December 31,
Performance Ratios (annualized):	2023			2023			2023			2023			2022
(dollars in thousands)
Net (loss) income	$	(7,111)		$	8,411		$	7,450		$	7,297		$	9,577
Less: Goodwill impairment charge		10,760			—			—			—			—
Net income, excluding goodwill impairment charge	$	3,649		$	8,411		$	7,450		$	7,297		$	9,577
Average Assets	$	5,646,493		$	5,624,288		$	5,595,576		$	5,367,029		$	5,147,294
Average Equity	$	586,705		$	598,811		$	600,258		$	618,330		$	615,752

Return on average assets (ROAA)		(0.50)	%		0.60	%		0.54	%		0.54	%		0.74	%
Return on average assets (ROAA), excluding goodwill impairment charge⁽¹⁾		0.26	%		0.60	%		0.54	%		0.54	%		0.74	%
Return on average equity (ROAE)		(4.85)	%		5.62	%		4.98	%		4.72	%		6.22	%
Return on average equity (ROAE), excluding goodwill impairment charge⁽²⁾		2.49	%		5.62	%		4.98	%		4.72	%		6.22	%

Total noninterest expense	$	43,214		$	31,872		$	31,725		$	31,509		$	34,644
Less: Amortization of other intangible assets		189			189			189			189			189
Total adjusted noninterest expense		43,025			31,683			31,536			31,320			34,455
Less: Goodwill impairment charge		10,760			—			—			—			—
Total adjusted noninterest expense, excluding goodwill impairment	$	32,265		$	31,683		$	31,536		$	31,320		$	34,455

Net interest and dividend income	$	29,693		$	31,080		$	32,100		$	34,398		$	39,189
Total noninterest income		8,904			11,598			12,662			8,690			9,900
Total revenue	$	38,597		$	42,678		$	44,762		$	43,088		$	49,089

Efficiency ratio ⁽³⁾		111.47	%		74.24	%		70.45	%		72.69	%		70.19	%
Efficiency ratio^,excluding goodwill impairment charge⁽⁴⁾		83.59	%		74.24	%		70.45	%		72.69	%		70.19	%

⁽¹⁾ This non-GAAP measure represents net income, excluding goodwill impairment charge to average assets
⁽²⁾ This non-GAAP measure represents net income, excluding goodwill impairment charge to average equity
⁽³⁾ This non-GAAP measure represents adjusted noninterest expense divided by total revenue
⁽⁴⁾ This non-GAAP measure represents adjusted noninterest expense, excluding goodwill impairment divided by total revenue


	At or for the Quarters Ended
	December 31,			September 30,			June 30,			March 31,			December 31,
Asset Quality	2023			2023			2023			2023			2022
(dollars in thousands)

Total nonperforming assets	$	17,582		$	18,795		$	20,234		$	12,300		$	14,840

Nonperforming assets to total assets		0.31	%		0.33	%		0.36	%		0.22	%		0.28	%

Allowance for credit losses on loans to total loans		1.01	%		1.02	%		1.02	%		1.02	%		0.99	%

Net charge-offs (recoveries)	$	1,311		$	(18)		$	2,671		$	(11)		$	2,067

Annualized net charge-offs (recoveries)/average loans		0.11	%		—	%		0.23	%		—	%		0.19	%

Allowance for credit losses on loans to nonperforming loans		273.92	%		257.21	%		236.62	%		383.50	%		305.93	%

HarborOne Bancorp, Inc.

Selected Financial Highlights

(Unaudited)


	Quarters Ended
	December 31,			September 30,			June 30,			March 31,			December 31,
Capital and Share Related	2023			2023			2023			2023			2022
(dollars in thousands, except share data)

Common stock outstanding		45,401,224			45,915,364			46,575,478			47,063,087			48,961,452

Book value per share	$	12.86		$	12.73		$	12.79		$	12.74		$	12.60

Tangible common equity:
Total stockholders' equity	$	583,759		$	584,634		$	595,532		$	599,794		$	616,976
Less: Goodwill		59,042			69,802			69,802			69,802			69,802
Less: Other intangible assets⁽¹⁾		1,515			1,704			1,893			2,082			2,272
Tangible common equity	$	523,202		$	513,128		$	523,837		$	527,910		$	544,902

Tangible book value per share ⁽²⁾	$	11.52		$	11.18		$	11.25		$	11.22		$	11.13

Tangible assets:
Total assets	$	5,667,896		$	5,664,387		$	5,659,254		$	5,572,858		$	5,359,545
Less: Goodwill		59,042			69,802			69,802			69,802			69,802
Less: Other intangible assets		1,515			1,704			1,893			2,082			2,272
Tangible assets	$	5,607,339		$	5,592,881		$	5,587,559		$	5,500,974		$	5,287,471

Tangible common equity / tangible assets ⁽³⁾		9.33	%		9.17	%		9.38	%		9.60	%		10.31	%

⁽¹⁾ Other intangible assets are core deposit intangibles.
⁽²⁾ This non-GAAP ratio is total stockholders' equity less goodwill and intangible assets divided by common stock outstanding.
⁽³⁾ This non-GAAP ratio is total stockholders' equity less goodwill and intangible assets to total assets less goodwill and intangible assets.

HarborOne Bancorp, Inc.

Segments Key Financial Data

(Unaudited)


	Quarters Ended
	December 31,			September 30,			June 30,			March 31,			December 31,
Statements of Net Income for HarborOne Bank Segment:	2023			2023			2023			2023			2022

	(Dollars in thousands)

Net interest and dividend income	$	30,637		$	31,468		$	32,490		$	34,562		$	39,258
Provision (benefit) for credit losses		644			(113)			3,283			1,866			2,108
Net interest and dividend income, after provision for credit losses		29,993			31,581			29,207			32,696			37,150
Mortgage banking income:
Intersegment loss		(159)			(198)			(358)			(348)			(997)
Changes in mortgage servicing rights fair value		(257)			18			29			(136)			(263)
Other		185			188			195			201			203
Total mortgage banking (loss) income		(231)			8			(134)			(283)			(1,057)
Other noninterest income:
Deposit account fees		5,178			5,132			5,013			4,733			5,031
Income on retirement plan annuities		147			146			128			119			118
Bank-owned life insurance income		1,207			531			511			500			501
Other income		1,405			694			962			590			2,129
Total noninterest income		7,706			6,511			6,480			5,659			6,722
Noninterest expenses:
Compensation and benefits		16,535			15,238			15,067			14,764			16,531
Occupancy and equipment		4,038			3,828			3,910			4,295			4,236
Data processing		2,462			2,527			2,355			2,305			2,285
Loan expense		153			128			96			87			55
Marketing		751			709			787			1,063			747
Professional fees		1,404			914			699			996			1,027
Deposit insurance		794			1,004			1,176			510			385
Other expenses		2,476			1,924			2,103			2,170			3,478
Total noninterest expenses		28,613			26,272			26,193			26,190			28,744
Less: Amortization of other intangible assets		189			190			189			189			189
Total adjusted noninterest expense		28,424			26,082			26,004			26,001			28,555

Income before income taxes		9,086			11,820			9,494			12,165			15,128
Provision for income taxes		2,535			2,716			2,193			3,115			2,817
Net income	$	6,551		$	9,104		$	7,301		$	9,050		$	12,311

Efficiency ratio ⁽¹⁾ - QTD		74.13	%		68.67	%		66.73	%		64.65	%		62.10	%
Efficiency ratio ⁽¹⁾ - YTD		68.49	%		66.64	%		65.67	%		64.65	%		64.25	%

⁽¹⁾ This non-GAAP measure represents adjusted noninterest expense divided by total revenue

HarborOne Bancorp, Inc.

Segments Key Financial Data

(Unaudited)


	Quarters Ended
	December 31,			September 30,			June 30,			March 31,			December 31,
Statements of Net Income for HarborOne Mortgage Segment:	2023			2023			2023			2023			2022

	(Dollars in thousands)

Net interest and dividend income	$	160		$	199		$	120		$	327		$	419
Mortgage banking income:
Gain on sale of mortgage loans		2,176			2,704			3,300			2,224			2,301
Intersegment gain		56			249			90			454			553
Changes in mortgage servicing rights fair value		(3,296)			107			407			(1,556)			(2,368)
Other		2,116			2,082			2,117			2,015			2,122
Total mortgage banking income		1,052			5,142			5,914			3,137			2,608
Other noninterest income (loss)		2			(4)			—			—			126
Total noninterest income		1,054			5,138			5,914			3,137			2,734
Noninterest expenses:
Compensation and benefits		3,217			4,014			3,700			3,575			3,825
Occupancy and equipment		596			567			688			701			663
Data processing		13			21			48			41			74
Loan expense		(470)			258			321			226			114
Marketing		60			85			138			118			115
Professional fees		120			155			180			257			115
Goodwill impairment		10,760			—			—			—			—
Other expenses		371			390			418			404			546
Total noninterest expenses		14,667			5,490			5,493			5,322			5,452

(Loss) income before income taxes		(13,453)			(153)			541			(1,858)			(2,299)
Income tax (benefit) provision		(596)			(15)			232			(565)			—
Net (loss) income	$	(12,857)		$	(138)		$	309		$	(1,293)		$	(2,299)

Efficiency ratio ⁽¹⁾ - QTD		1,208.15	%		102.87	%		91.03	%		153.64	%		172.91	%
Efficiency ratio, excluding goodwill impairment ⁽²⁾ - QTD		321.83	%		102.87	%		91.03	%		153.64	%		172.91	%
Efficiency ratio ⁽¹⁾ - YTD		192.98	%		109.91	%		113.87	%		153.64	%		77.92	%
Efficiency ratio, excluding goodwill impairment ⁽²⁾ - YTD		125.94	%		109.91	%		113.87	%		153.64	%		77.92	%

⁽¹⁾ This non-GAAP measure represents noninterest expense divided by total revenue
⁽²⁾ This non-GAAP measure represents noninterest expense, excluding goodwill impairment divided by total revenue

Exhibit 99.2

Investor Presentation January 2024

2 Q4 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 interest rates; changes in customer behavior; ongoing turbulence in the capital and debt markets and the impact of such conditions on the Company’s business activities; 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 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 Q4 2023 Investor Presentation COMPANY HIGHLIGHTS Exchange/Ticker: NASDAQ/HONE Total Assets: $5.7 Billion Total Loans: $4.8 Billion Total Deposits: $4.4 Billion Market Capitalization: $543.9 Million (as of 12/31/23)  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 banking centers 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 17 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 Q4 2023 Investor Presentation  HarborOne Mortgage (“HOM”) goodwill impairment charge of $10.8 million, resulting in net loss of $7.1 million, Diluted loss per share -$0.17, ROA of -0.50%, and ROE of -4.85%.  Excluding the HOM goodwill impairment charge, Net Income of $3.7 million, Diluted EPS of $0.09, ROA of 0.26%, and ROE of 2.49%.  Margin declined from 2.34% in Q3 2023 to 2.23% in Q4 2023.  Asset quality remains solid with a coverage ratio of 1.01%, relatively flat to Q3 2023.  Sixth stock buyback program ongoing, repurchased 570,527 shares at an average cost of $10.15 per share, totaling $5.8 million in Q4.  Redeemed $35 million subordinated debt with a 8.45% interest rate. Q4 2023 Results Net Income, excluding HOM goodwill impairment charge $3.7 Million Diluted EPS, excluding HOM goodwill impairment charge $0.09 Loan Growth $ 27.5 Million Tangible Book Value $11.52 U.S. Small Business Administration (SBA) Lender in Rhode Island in 2023: #1 in volume

5 Q4 2023 Investor Presentation $4.1 B $4.5 B $4.6 B $5.4 B $5.7 B 2019 2020 2021 2022 2023 15.3% 14.5% 13.6% 11.5% 10.0% 2019 2020 2021 2022 2023 $3.0 B $3.5 B $3.6 B $4.6 B $4.8 B 2019 2020 2021 2022 2023 $10.10 $10.88 $11.57 $11.13 $11.52 2019 2020 2021 2022 2023 Key Performance Metrics Total Assets Total Loans Tier 1 Capital Tangible Book Value

6 Q4 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 $0.37 2019 2020 2021 2022 2023 $18.3 M $44.8 M $58.5 M $45.6 M $16.1 M 2019 2020 2021 2022 2023 3.14% 3.06% 3.12% 3.35% 2.44% 2019 2020 2021 2022 2023 $109.1 M $120.1 M $131.4 M $149.0 M $127.3 M 2019 2020 2021 2022 2023

7 Q4 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 ongoing to purchase 2.3 million shares, 14.8 million shares purchased since 2020.  Strong Tangible Capital Ratio of 9.33% with minimal securities categorized as Held to Maturity.  Strong primary and secondary liquidity. 10.5% 8.5% 7.0% 4.0% 13.1% 12.0% 12.0% 10.0% 9.3% 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 12/31/23 unless otherwise noted.

8 Q4 2023 Investor Presentation FHLB $727,516 Fed Funds $188,474 Wholesale Deposits $77,603 Unencumbered securities $7,291 FRB Discount Window, $69,427 FRB BTFP $360,930 Correspondent Banks, $25,000 Liquidity Management Available Funding Sources: $1.5 Billion  Strong Liquidity Position: o Disciplined loan growth. o Diversified deposit base. o Established FRB BTFP borrowing line. o As of December 31, 2023, Immediate liquidity to uninsured deposits-call report basis was 97%, excluding Bank subsidiary deposits and FHLB LOC secured deposits was 130%.

9 Q4 2023 Investor Presentation Securities Portfolio Total Securities At Par Value Held to Maturity $19,841 5% Available for Sale $348,808 95%  Securities Portfolio is 5.5% of total assets.  Effective duration of the portfolio is 6.7 years.  Total unrealized loss on the Held to Maturity portfolio is $533,000 with minimal impact to capital ratios.

10 Q4 2023 Investor Presentation CRE 49% Residential 1-4 Family 32% C&I 10% Construction 4% HELOC & Sec. Mtg. 4% Consumer 1% Loan Portfolio $4.8 Billion

11 Q4 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 2023 Construction Commercial Commercial Real Estate Total Commercial Loans  Commercial loans grew from $1.6 billion in 2019 to $3.0 billion on December 31, 2023, transforming the balance sheet while maintaining strong credit quality.  #1 in volume U.S. Small Business Administration (SBA) Lender in Rhode Island in 2023.  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 Q4 2023 Investor Presentation Flex / Industrial 21% Apartments 16% Retail Hotels 13% 12% Office 10% Health Care 8% All Other Property Types 20% Commercial Real Estate Portfolio $2.34 Billion LTV: 58% LTV: 62% LTV: 61% LTV: 61% LTV: 63% LTV: 64% LTV: 63% New England Focused By Metropolitan Statistical Area MSA 12/31/23 Boston-Cambridge-Quincy, MA $1.2 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 12/31/23 2024 Maturities / Total CRE Loans 5.3% Loan to Value – Origination 61.8% Reserves / Total NOO CRE Loans 0.9% 30+ CRE Delinquency % 0.3% Criticized Loans / Total CRE Loans 1.5% NPL / Total CRE Loans 0.3% Office - Central Business District / Total CRE Loans 0.5% Diversified Portfolio by Industry Type

13 Q4 2023 Investor Presentation Commercial Real Estate Portfolio Segmentation Industry Non Anchored Anchored Total Portfolio Commentary Retail $45MM $243MM $288MM Low % of Non Anchored Retail. Strong occupancy rate at 92%. Industry Metro Suburban Total Portfolio Commentary Office $11MM $214MM $225MM Low % of Central Business District. Resilient occupancy rate at 91%. Industry Business Focused Leisure Focused Total Portfolio Commentary Hotels $123MM $189MM $312MM Focus on destination boutique leisure with well known sponsors. Industry CoStar Rating 4 CoStar Rating 3 Total Portfolio Commentary Apartments 58% 42% $380MM Focus on high quality properties. Strong occupancy rate at 97%.

14 Q4 2023 Investor Presentation Construction and Commercial & Industrial Portfolio Apartments 40% Flex/Industrial 30% Retail 6% Land Dev. Residential 8% Office 7% Warehouse 7% All Other 2% Health Care 24% Alt. Energy 21% Manufacturing 16% Retail 8% Wholesale Trade 7% RE Leasing 5% Construction 5% Restaurant 5% Education 4% Prof. Svcs 5% Construction: $208 Million Commercial & Industrial: $466 Million  Preference for known sponsors with existing relationships  Diversified portfolio with focus on local relationships  Specialization in Healthcare and Alternative Energy

15 Q4 2023 Investor Presentation Residential 88% HELOC 10% Consumer 1% Construction 1% Residential and Consumer Lending Portfolio $1.7 Billion Key Portfolio Metrics: Residential Conservative Underwriting Methodology Metric 12/31/23 Weighted Average FICO (as of 9/2023) 769 Weighted Average LTV (Origination) 67% Second Home and Investment % 13% Cash-out Refinanced %1 3.5% 30+ Delinquency % 0.4% Key Portfolio Metrics: HELOC Conservative Underwriting Methodology Metric 12/31/23 Weighted Average FICO (as of 9/2023) 765 Weighted Average CLTV 60% Utilization 39% Second Home and Investment % 3.0% 30+ Delinquency % 0.2% 1 Cash-out Refinanced % represents population of loans booked since March 15, 2021

16 Q4 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 $17.5 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90% 2019 2020 2021 2022 2023 Residential Commercial Consumer 0.04% 0.10% 0.08% 0.09% 0.08% 2019 2020 2021 2022 2023

17 Q4 2023 Investor Presentation Allowance for Credit Losses (ACL)  Forecasted unemployment rate assumes a 4.5% rate at end-2024.  Q4 2023 ACL rate of 1.01% for total loans decreased 1 bp from Q3 2023. $48.31 $47.97 -$0.25 -$0.09 $40.0 $42.0 $44.0 $46.0 $48.0 $50.0 September 30, 2023 Change in Pooled Loans Change in Individually Analyzed Loans December 31, 2023 $ Millions

18 Q4 2023 Investor Presentation Savings 29% DDA/NOW 22% CD 27% Money Market 22% Relationship Banking Deposit Mix  DIF provides excess insurance coverage until February 24, 2024 for certain funds on deposit as of February 24, 2023.  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 The number of business checking accounts increased 6%  Shift to Self-Service / Payments: o 72% of Customers utilize debit card regularly o 77% of Customers are active users of Digital Banking tools  Banking Centers Optimization: o Brockton changes: one branch closed July 2023; 3 Banking Centers remain, one remodeled for relationship banking, and ATM added at former branch location.

19 Q4 2023 Investor Presentation Deposits Average Quarterly Cost of Deposits 0.18% 0.21% 0.36% 0.84% 1.55% 1.91% 2.28% 2.47% 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Q1 '22Q2 '22Q3 '22Q4 '22Q1 '23Q2 '23Q3 '23Q4 '23  In Q4, total deposits decreased $22.5 million with a decline in checking and savings, partially offset by increases in CD’s, brokered and money market accounts. Cost of deposits increased 19 basis points to 2.47% for the three months ended December 31, 2023.  HarborOne grew deposit market share in 17 towns YOY; Brockton market share increased 4.6%, despite a reduction in Banking Centers from 4 to 3.  Increased deposits 148% YOY in competitive Boston market branches  Business accounts represent 16% of total deposits with cost of 206 basis points.  Since the Federal Reserve has started the tightening cycle, Fed funds rate has increased 525 basis points. In that eight-quarter timeframe, the Bank’s cost of deposits increased 269 basis points.  December 2023 Cost of Deposits was 2.52%

20 Q4 2023 Investor Presentation Mortgage Banking ($ in 000’s) Q4 2023 Q3 2023 Q4 2022 Gain on Sale $2,176 $2,704 $2,301 MSR Fair Value & Amortization $(3,296) $107 $(2,368) Servicing Revenue / Other $2,174 $2,327 $2,801 Total Revenue $1,214 $5,337 $3,153 Expenses $14,667 $5,490 $5,452 Net Income $(12,857) $(138) $(2,299) Key Drivers/Statistics $ Disbursements $124 MM $158 MM $222 MM Sales Margin 2.08% 2.16% 1.43% FTE’s 131 137 175 Offices 17 19 26 MSR Balance $42.9 MM $45.7 MM $44.6 MM Change in MSR Fair Value $(2.9) MM $641 K $(1.9) MM 10 year Treasury 3.88% 4.59% 1.52%  Mortgage banking segment continues to be negatively impacted by market conditions and New England seasonality.  Net loss of $12.9 million, $10.8 million goodwill impairment, MSR valuation down $2.9 million due to decreases in model benchmark rates.  Flexible operating model includes expense-disciplined management team. FTE’s have been reduced by 44 YOY.  Disbursements down 22% from Q3 2023 and down 44% from Q4 2022. Q4 2023 Production volume, 95% purchase, 5% refinance.  Expenses of $3.9 million, excluding goodwill impairment, down $1.5 million or 28% YOY, driven by reduction of commissions, closing of 9 offices, and reduction in force in Q1 and Q3.

21 Q4 2023 Investor Presentation Bank Stand-Alone  Net Income of $6.6 MM, down 47% YOY  Net Interest Income of $30.6 MM, down 22% YOY.  Q4 provision was $644K, for replenishment of charge-offs and for loan growth.  Noninterest income up $984K YOY on deposit fees and interchange income.  Noninterest Expenses down $131K YOY.  FTE’s are down 36 YOY. The Bank had a reduction in force in Q2 2023 and evaluates open positions for attrition. ($ in 000’s) Q4 2023 Q3 2023 Q4 2022 Interest Income $64,197 $62,951 $51,493 Interest Expense 33,560 31,483 12,235 Net Interest Income 30,637 31,468 39,258 Provision 644 (113) 2,108 Non Interest Income 7,706 6,511 6,722 Non Interest Expense 28,613 26,272 28,744 Net Income $6,551 $9,104 $12,311 Key Drivers/Statistics ROAA 0.46% 0.65% 0.95% Efficiency Ratio 74.13% 68.7% 62.1% Margin 2.28% 2.36% 3.25% FTE’s 398 398 434 Nonaccrual Loans $ 17.5MM $18.8 MM $14.8 MM Net charge-off(recovery) rate 0.11% -% 0.19% ACL/Loans 1.01% 1.02% 0.99%

22 Q4 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 - 2023 Boston Business Journal Most Charitable Companies list (7th 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 Q4 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 Q4 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.

Document and Entity Information	Jan. 30, 2024
Document and Entity Information [Abstract]
Document Type	8-K
Document Period End Date	Jan. 30, 2024
Entity Registrant Name	HarborOne Bancorp, Inc.
Entity Incorporation, State or Country Code	MA
Entity File Number	001-38955
Entity Tax Identification Number	81-1607465
Entity Address, Address Line One	770 Oak Street
Entity Address, City or Town	Brockton
Entity Address, State or Province	MA
Entity Address, Postal Zip Code	02301
City Area Code	508
Local Phone Number	895-1000
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock, $0.01 par value
Trading Symbol	HONE
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false
Entity Central Index Key	0001769617
Amendment Flag	false

HarborOne Bancorp (NASDAQ:HONE)
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HarborOne Bancorp (NASDAQ:HONE)
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