Minimum Required to be

Considered "Well Capitalized"

Minimum Required for

Under Prompt Corrective

Actual

Capital Adequacy Purposes

Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

HarborOne Bancorp, Inc.

March 31, 2025

Common equity Tier 1 capital to risk-weighted assets

$

562,181

11.9

%

$

213,244

4.5

%

N/A

Tier 1 capital to risk-weighted assets

562,181

11.9

284,325

6.0

N/A

Total capital to risk-weighted assets

614,504

13.0

379,100

8.0

N/A

Tier 1 capital to average assets

562,181

9.8

228,390

4.0

N/A

December 31, 2024

Common equity Tier 1 capital to risk-weighted assets

$

565,319

11.8

%

$

215,789

4.5

%

N/A

Tier 1 capital to risk-weighted assets

565,319

11.8

287,718

6.0

N/A

Total capital to risk-weighted assets

624,926

13.0

383,624

8.0

N/A

Tier 1 capital to average assets

565,319

9.8

229,865

4.0

N/A

HarborOne Bank

March 31, 2025

Common equity Tier 1 capital to risk-weighted assets

$

525,104

11.1

%

$

213,251

4.5

%

$

308,030

6.5

%

Tier 1 capital to risk-weighted assets

525,104

11.1

284,335

6.0

379,113

8.0

Total capital to risk-weighted assets

577,427

12.2

379,113

8.0

473,892

10.0

Tier 1 capital to average assets

525,104

9.2

228,360

4.0

285,450

5.0

December 31, 2024

Common equity Tier 1 capital to risk-weighted assets

$

528,185

11.0

%

$

215,846

4.5

%

$

311,778

6.5

%

Tier 1 capital to risk-weighted assets

528,185

11.0

287,795

6.0

383,727

8.0

Total capital to risk-weighted assets

587,792

12.3

383,727

8.0

479,659

10.0

Tier 1 capital to average assets

528,185

9.2

229,836

4.0

287,295

5.0