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Harborone Bank

Brockton, MA · Cert 59070 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28)

FDIC · 33 branches

Q3 2025

$5.6BAssets
$4.8BLoans
$4.5BDeposits
$544.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 46% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 16 of 28).
  • Widest gap: total risk-based capital ratio trails 89% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 28).
  • Overall: at or above the peer median on 0 of 10 directional measures.

Return on Assets

0.45%

Rank 20 of 28

Net Interest Margin

2.34%

Rank 18 of 28

Efficiency Ratio

73.90%

Rank 16 of 28

Equity / Assets

9.68%

Rank 22 of 28

Non-interest income vs. expense

$48.2M$132.1MINCOMEEXPENSE
Unfavorable gap of $83.9M · efficiency ratio beats 46% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 73.90%Peer median 73.9%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.45%0.44%0.70%1.00%Beats 29%20 / 28
Return on Equity4.61%4.61%6.07%8.11%Beats 25%21 / 28
Net Interest Margin2.34%2.25%2.56%3.28%Beats 36%18 / 28
Efficiency Ratio73.90%60.44%73.86%76.72%Beats 46%16 / 28
Asset Quality
Nonperforming Loans / Loans1.18%0.21%0.50%0.77%Beats 18%24 / 28
Net Charge-Offs / Loans0.35%0.00%0.01%0.10%Beats 11%26 / 28
Capital
Tier 1 Capital Ratio11.34%13.02%14.18%16.41%Beats 11%25 / 28
Total Risk-Based Capital Ratio12.48%13.94%14.88%17.05%Beats 11%25 / 28
Equity / Assets9.68%9.70%11.02%13.40%Beats 21%22 / 28
Liquidity & Funding
Loans / Deposits107.40%95.79%102.11%107.40%75th pctl7 / 28
Loans / Assets85.11%77.96%80.54%85.11%75th pctl7 / 28
Brokered Deposits / Deposits7.11%n/a6.14%11.95%Beats 46%16 / 28n/a