HarborOne Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	203.05	231.07	227.35	98.02	194.72	205.87
Investment Securities	59.43	58.53	62.57	61.78	45.25	22.22
Trading Asset Securities	-	24.93	28.82	37.33	22.12	51.94
Mortgage-Backed Securities	247.05	225	247.38	259.31	348.79	254.28
Total Investments	306.48	308.46	338.77	358.42	416.16	328.44
Gross Loans	4,727	4,852	4,750	4,550	3,609	3,497
Allowance for Loan Losses	-47.96	-56.1	-47.97	-45.24	-45.38	-55.4
Other Adjustments to Gross Loans	-	-	-	-0.07	-0.95	-2.7
Net Loans	4,679	4,796	4,702	4,504	3,562	3,439
Property, Plant & Equipment	64.57	67.15	71.65	75.95	77.55	49.58
Goodwill	59.04	59.04	59.04	69.8	69.8	69.8
Other Intangible Assets	0.38	0.76	1.52	2.27	3.16	4.37
Loans Held for Sale	29.09	36.77	19.69	18.54	45.64	208.61
Accrued Interest Receivable	16.79	18.39	18.17	15.14	10.62	11.87
Other Current Assets	-	-	0.35	-	0.88	-
Long-Term Deferred Tax Assets	-	22.25	16.08	-	-	-
Other Real Estate Owned & Foreclosed	-	0.01	0.07	0.05	0.05	0.6
Other Long-Term Assets	229.87	189.56	185.78	196.84	166.53	156.49
Total Assets	5,609	5,753	5,668	5,360	4,553	4,484

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Bearing Deposits	3,477	3,557	3,487	3,317	2,831	2,681
Institutional Deposits	303.3	303.33	240.7	110.36	108.43	135.19
Non-Interest Bearing Deposits	713.75	690.65	659.97	762.58	743.05	689.67
Total Deposits	4,494	4,551	4,387	4,189	3,683	3,506
Short-Term Borrowings	196	235.55	327.55	413.63	19.4	78.27
Current Portion of Long-Term Debt	-	60.99	13.4	0.18	40	41.75
Current Portion of Leases	1.41	2.83	-	-	-	2.45
Accrued Interest Payable	5.2	6.58	5.25	2.33	1.08	1.26
Other Current Liabilities	9.34	8.54	8.87	9.54	8.46	7.74
Long-Term Debt	-	-	-	34.29	34.16	34.03
Federal Home Loan Bank Debt, Long-Term	243.65	243.57	252.06	15.5	15.71	72.35
Long-Term Leases	20.12	19.85	24.5	28.6	28.4	20.55
Pension & Post-Retirement Benefits	-	10.66	11.12	10.4	9.46	8.23
Other Long-Term Liabilities	59.53	38.82	53.97	38.62	34.82	14.46
Total Liabilities	5,029	5,178	5,084	4,743	3,874	3,787

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Common Stock	0.6	0.6	0.6	0.6	0.59	0.58
Additional Paid-In Capital	491.25	489.53	486.5	483.03	469.93	464.18
Retained Earnings	380.14	373.86	359.66	356.44	325.7	277.31
Treasury Stock	-224.6	-215.14	-193.59	-148.38	-85.86	-16.64
Comprehensive Income & Other	-67.24	-73.84	-69.41	-74.71	-31.1	-29.11
Shareholders' Equity	580.15	575.01	583.76	616.98	679.26	696.31
Total Liabilities & Equity	5,609	5,753	5,668	5,360	4,553	4,484

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Total Debt	461.19	562.78	617.51	492.19	137.67	249.4
Net Cash (Debt)	-258.13	-306.78	-361.34	-356.85	79.17	8.41
Net Cash Growth	-	-	-	-	841.22%	-
Net Cash Per Share	-6.33	-7.40	-8.32	-7.57	1.54	0.15
Filing Date Shares Outstanding	40.59	43.5	42.33	45.13	48	53.02
Total Common Shares Outstanding	40.51	41.04	42.49	45.82	49.02	53.6
Book Value Per Share	14.32	14.01	13.74	13.47	13.86	12.99
Tangible Book Value	520.73	515.21	523.2	544.9	606.3	622.14
Tangible Book Value Per Share	12.85	12.55	12.31	11.89	12.37	11.61

SEC Filings: 10-K · 10-Q