Private company

HarborOne Bancorp, Inc.

American state commercial bank based in Brockton, no longer active2

In its 2025 annual report the company says: “The Company owns all of the outstanding stock of HarborOne Bank, a Massachusetts trust company. The Company has a charitable foundation, The HarborOne Foundation.”4

Last updated Oct 20, 2026.

Overview

  • IndustryState Commercial Banks2
  • HeadquartersBrockton, United States2
  • Incorporated inMA3
  • Business address770 Oak Street, Brockton, Ma 023013
  • Filer categoryAccelerated filer3
  • Legal formDomestic Business Corporation2
  • LEI549300SCDGOYSCWQJR342
  • StatusInactive2
  • LEI statusRetired2
  • Registered addressC/O C T CORPORATION SYSTEM, 02110 Boston, United States2
  • Registered withCorporations Division (Secretary of the Commonwealth's Office), 0012122132

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HarborOne Bancorp, Inc. (hereafter referred to as “we,” “our,” “us,” “HarborOne Bancorp” or the “Company”) is a Massachusetts corporation formed in 2016 as a bank holding company, headquartered in Brockton, Massachusetts. The Company owns all of the outstanding stock of HarborOne Bank (the “Bank”), a Massachusetts trust company. At December 31, 2024, the Company had total assets of $5.75 billion, deposits of $4.55 billion, and stockholders’ equity of $575.0 million on a consolidated basis.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income56789$27.4M in 2024+141% since 2018
0$20.0M$40.0M$60.0M2018: $11.4M$11.4M20182019: $18.3M$18.3M2019+60%2020: $44.8M$44.8M2020+145%2021: $58.5M$58.5M2021+31%2022: $45.6M$45.6M2022−22%2023: $16.1M$16.1M2023−65%2024: $27.4M$27.4M2024+70%
Fiscal year20182019202020212022202320242025
Interest$26.8M5$45.7M6$28.5M7$12.5M8$22.9M9$117.0M9$145.8M9
Income before tax$80.5M8$61.7M9$25.1M9$34.3M9
Income tax$2.8M5$4.4M6$13.2M7$21.9M8$16.1M9$9.0M9$6.8M9
Net income$11.4M5$18.3M6$44.8M7$58.5M8$45.6M9$16.1M9$27.4M9
Earnings per share$0.205$0.336$0.827$1.158$0.989$0.379$0.669
Earnings per share (diluted)$0.205$0.336$0.827$1.148$0.979$0.379$0.669
Shares (weighted, basic)50.7M shares846.5M shares943.2M shares941.2M shares9
Shares (weighted, diluted)51.5M shares847.1M shares943.4M shares941.5M shares9

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Corporate structure

HarborOne Bancorp, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of HarborOne Bancorp, Inc.

  • DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on HarborOne Bancorp, Inc., latest Jan 21, 2026 (2 filings since Oct 31, 2024)
  • GLAZER CAPITAL, LLC Filed SCHEDULE 13G/A on HarborOne Bancorp, Inc., latest Nov 13, 2025 (2 filings since Jul 25, 2025)
  • T. Rowe Price Investment Management, Inc. Filed SCHEDULE 13G/A on HarborOne Bancorp, Inc., latest Aug 14, 2025 (4 filings since Feb 14, 2023)
  • VANGUARD GROUP INC Filed SCHEDULE 13G on HarborOne Bancorp, Inc., latest Jul 29, 2025 (7 filings since Feb 13, 2024)
  • HarborOne Bank Employee Stock Ownership Trust Filed SCHEDULE 13G/A on HarborOne Bancorp, Inc., latest Feb 5, 2025 (4 filings since Feb 10, 2022)
  • PRICE T ROWE ASSOCIATES INC /MD/ Filed SC 13G/A on HarborOne Bancorp, Inc., latest Aug 10, 2022 (2 filings since Feb 14, 2022)
  • HarborOne Bancorp, Inc. Brockton, Massachusetts, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What HarborOne Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$80.1M9 Dec 31, 2024$80.6M9 Dec 31, 2023−0.6%
Accumulated depreciation$33.8M9 Dec 31, 2024$31.8M9 Dec 31, 2023+6.3%
Property and equipment, net$46.3M9 Dec 31, 2024$48.7M9 Dec 31, 2023−5.1%
Operating-lease assets (leased space)$20.9M9 Dec 31, 2024$22.9M9 Dec 31, 2023−8.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$231.1M9 Dec 31, 2024$227.3M9 Dec 31, 2023+1.6%
Loans, net of allowance$4.8B9 Dec 31, 2024$4.7B9 Dec 31, 2023+2.0%
Deposits held (banks)$4.6B9 Dec 31, 2024$4.4B9 Dec 31, 2023+3.7%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$59.0M9 Dec 31, 2024$59.0M9 Dec 31, 20230%
Intangible assets, net (excluding goodwill)$757.0K9 Dec 31, 2024$1.5M9 Dec 31, 2023−50.0%

Properties, in its own words

At December 31, 2024, we conducted business throughout our Greater Boston and southeastern New England network of 30 full-service branches, and commercial lending offices in each of Boston, Massachusetts and Providence, Rhode Island. In addition, we have an administrative office in Brockton, Massachusetts. Of the Bank’s branches, 14 were owned, eleven were leased, and five were owned on leased land. Most of our branches are equipped with ATMs and drive-up windows, and we also have three stand-alone ATM locations in Massachusetts. HarborOne Mortgage leases 14 offices in, Massachusetts, New Hampshire, Rhode Island, Maine, New Jersey, and Florida, and is licensed to lend in five additional states. At December 31, 2024, the total net book value of our land, buildings, furniture, fixtures and equipment was $46.3 million.

Item 2 of the 10-K filed Mar 6, 2025.4

Leadership

Who has led HarborOne Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. James W. Blake2019–2023
  2. Joseph F. Casey2022–now

President

  1. Joseph F. Casey2019–now

Chief financial officer

  1. Linda Simmons2019–2023
  2. Jean Levesque2024
  3. Stephen W. Finocchio2024–now

Chief operating officer

  1. Joseph F. Casey2019–2023
20202025
Board members and other officers (23)

Former names

  • HarborOne Bancorp, Inc./NEWAug 15, 2019 to Aug 16, 20193
  • HarborOne NorthEast Bancorp, Inc.Mar 11, 2019 to Aug 15, 20193

Timeline

  1. Nov 4, 20258-K Completed an acquisition or sale; Change to shareholders' rights; Change in control41
  2. Nov 3, 20258-K Completed an acquisition or sale; Change to shareholders' rights; Change in control42
  3. Oct 28, 20258-K Listing notice or transfer; Other events43
  4. Oct 16, 20258-K Listing notice or transfer; Other events44
  5. Sep 25, 20258-K Financial statements and exhibits45
  6. Sep 25, 20258-K Financial statements and exhibits46
  7. Aug 20, 20258-K Shareholder vote47
  8. Aug 6, 20258-K Other events48
  9. Jul 31, 20258-K Other events49
  10. Jul 24, 20258-K Results of operations; Regulation FD disclosure50
  11. Jun 26, 20258-K Other events51
  12. May 14, 20258-K Shareholder vote52
  13. Nov 1, 2022New chief executive Joseph F. Casey becomes CEO13
  14. Aug 15, 2019New chief executive James W. Blake becomes CEO14

Calendar

When it reported results

  1. Jul 24, 2025Reported quarterly or annual results50
  2. Apr 24, 2025Reported quarterly or annual results53
  3. Jan 30, 2025Reported quarterly or annual results54
  4. Oct 24, 2024Reported quarterly or annual results55
  5. Jul 25, 2024Reported quarterly or annual results56
  6. Apr 25, 2024Reported quarterly or annual results57
  7. Jan 30, 2024Reported quarterly or annual results58
  8. Oct 24, 2023Reported quarterly or annual results59

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

294 filings to the SEC since October 2021: 4 annual reports, 12 quarterly reports, 70 major events, 152 insider forms, 21 large holders, 35 other. The latest 20:

  1. Jan 21, 2026SCHEDULE 13G/A EDGAR
  2. Nov 13, 2025SCHEDULE 13G/A EDGAR
  3. Nov 7, 202515-12G EDGAR
  4. Nov 4, 20258-K/A EDGAR
  5. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  6. Nov 3, 20254 FORM-4 EDGAR
  7. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  8. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  9. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  10. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  11. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  12. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  13. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  14. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  15. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  16. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  17. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  18. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  19. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR
  20. Nov 3, 20254 OWNERSHIP DOCUMENT EDGAR

The 294 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

21 open-market trades by officers, directors and large owners since October 2021: 4 buys and 17 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 10, 2024Tryder David E.EVP, Chief Marketing OfficerSale13,000$12.48$162.2KForm 4
May 16, 2023CASEY JOSEPH FPresident and CEOBuy2,762$7.76$21.4KForm 4
May 12, 2023Sullivan Michael JamesDirectorBuy4,500$7.82$35.2KForm 4
May 4, 2023CASEY JOSEPH FPresident and CEOBuy10,000$8.25$82.5KForm 4
May 4, 2023Simmons LindaEVP, CFOBuy6,000$7.88$47.3KForm 4
Oct 31, 2022Jezard GordonDirectorSale83,263$15.25$1.3MForm 4
Jul 28, 2022McQuade Joseph E.EVP, CER OfficerSale709$14.48$10.3KForm 4
Mar 29, 2022Blake James W.DirectorSale49,389$14.33$707.7KForm 4
Mar 28, 2022Blake James W.DirectorSale50,000$14.11$705.5KForm 4
Mar 25, 2022Blake James W.DirectorSale50,000$14.48$724.0KForm 4
Mar 24, 2022Blake James W.DirectorSale50,000$14.24$712.0KForm 4
Mar 23, 2022Blake James W.DirectorSale40,053$14.25$570.8KForm 4
Mar 22, 2022Blake James W.DirectorSale50,000$14.55$727.5KForm 4
Mar 21, 2022Blake James W.DirectorSale50,000$14.38$719.0KForm 4
Mar 18, 2022Blake James W.DirectorSale50,000$14.39$719.5KForm 4
Mar 17, 2022Blake James W.DirectorSale50,000$14.97$748.5KForm 4
Mar 16, 2022Blake James W.DirectorSale50,000$14.85$742.5KForm 4
Mar 15, 2022Blake James W.DirectorSale50,000$14.93$746.5KForm 4
Mar 14, 2022Blake James W.DirectorSale50,000$15.16$758.0KForm 4
Mar 11, 2022Blake James W.DirectorSale50,000$15.10$755.0KForm 4

All 21 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

SEC filer profile

How HarborOne Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARHarborOne Bancorp, Inc.1
  • CIK0001769617
  • Employer ID (EIN)81-16074654
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inMassachusetts4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address770 Oak Street, Brockton, MA 023011
  • Phone508-895-10001
  • Shares outstanding43,158,596 as of Jul 31, 202511
  • Public float$365.7M as of Jun 30, 20244
  • AuditorCrowe LLP, New York, New York PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceMar 11, 20191
  • Filings513 in all: 4 (227), 8-K (110), 3 (31), 10-Q (18), SC 13G/A (18), 425 (15), 11-K (12), DEFA14A (8)1
    All 33 form types

    SC 13G (8), 144 (7), 10-K (6), 8-K/A (6), DEF 14A (6), SCHEDULE 13G/A (6), 424B3 (4), ARS (3), CORRESP (3), S-1/A (3), SCHEDULE 13G (3), 11-K/A (2), 4/A (2), 5 (2), S-8 (2), S-8 POS (2), 10-Q/A (1), 15-12G (1), 25 (1), 3/A (1), 8-A12B (1), DEFM14A (1), EFFECT (1), S-1 (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 6, 2025
    Quarterly report (10-Q) Aug 5, 2025
    Proxy statement (DEF 14A) Apr 1, 2025
    Latest 8-K (8-K) Nov 3, 2025

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par valueHONEThe Nasdaq Stock Market, LLC

From the cover page of the 10-K filed Mar 6, 2025 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks HarborOne Bancorp, Inc. names in Item 1A of its 10-K filed Mar 6, 2025: 47 risks under these headings, as written.4

  • RISKS RELATED TO OUR BUSINESS AND INDUSTRY
  • Inflationary pressures and rising prices may affect our results of operations and financial condition.
  • Changes in interest rates have hurt and may continue to hurt our results of operations and financial condition.
  • We may be adversely affected by volatility in U.S. and global economic conditions and changes in fiscal, monetary, trade and regulatory policies.
  • Increased market volatility and adverse changes in financial or capital market conditions may increase our market risk.
  • Commercial real estate and commercial and industrial loans may increase our lending risk.
  • The unseasoned nature of our commercial real estate and commercial loan portfolio may result in changes to our estimates of collectability, which may lead to additional provisions or charge-offs, which could hurt our profits.
  • Our commercial and residential construction loans are subject to various lending risks depending on the nature of the borrower’s business, its cash flow, and our collateral.
  • Environmental liability associated with commercial lending could result in losses.
  • Our business may be adversely affected by credit risks associated with residential property.
  • The geographic concentration of our loan portfolio and lending activities makes us vulnerable to a downturn in the local economy.
  • Interest rate increases in the secondary mortgage market may continue to reduce our mortgage banking revenues, which would negatively impact our non-interest income.
The other 36 risks
  • We use significant assumptions and estimates in our financial models to determine the fair value of certain assets, including mortgage servicing rights, origination commitments, and loans held for sale. If our assumptions or estimates are incorrect, that may have a negative impact on the fair value of such assets and adversely affect our earnings.
  • If we are required to repurchase mortgage loans that we have previously sold, it could negatively affect our earnings.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings and capital could decrease.
  • A portion of our loan portfolio consists of loan participations, which may have a higher risk of loss than loans we originate because we are not the lead lender and we have limited control over credit monitoring.
  • Hedging against interest rate exposure may adversely affect our earnings.
  • We may be unable to attract, hire and retain qualified key employees, which could adversely affect our business prospects, including our competitive position and results of operations.
  • We may not be able to successfully implement our strategic plan.
  • Impairment of goodwill and/or intangible assets could require a charge to earnings, which could adversely affect us.
  • An increase in FDIC insurance assessments could significantly increase our expenses.
  • The loss of deposits or a change in deposit mix could increase our cost of funding.
  • If we are unable to access the capital markets, have prolonged net deposit outflows, or our borrowing costs increase, our liquidity and competitive position will be negatively affected.
  • Strong competition within our market area could hurt our profits and slow growth.
  • Our business may be adversely affected if we fail to adapt our products and services to evolving industry standards and consumer preferences.
  • Development of new products and services may impose additional costs on us and may expose us to increased operational risk.
  • We are a community bank, and our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
  • Changes in the valuation of our securities could adversely affect us.
  • Potential downgrades of U.S. government securities by one or more of the credit ratings agencies could have a material adverse effect on our operations, earnings and financial condition.
  • We may need to raise additional capital in the future, but that capital may not be available when it is needed, or the cost of that capital may be very high.
  • We face continuing and growing security risks to our information base, including the information we maintain relating to our customers.
  • We may not be able to successfully implement future information technology system enhancements, which could adversely affect our business operations and profitability.
  • We rely on other companies to provide key components of our business infrastructure.
  • If our risk management framework does not effectively identify or mitigate our risks, we could suffer losses.
  • Natural disasters, acts of terrorism, future pandemics and other external events could harm our business.
  • Climate change and related legislative and regulatory initiatives may result in operational changes and expenditures that could significantly impact our business.
  • Changes in accounting standards could affect reported earnings.
  • Changes in tax laws and regulations and differences in interpretation of tax laws and regulations may adversely impact our financial statements.
  • Acquisitions may disrupt our business and dilute shareholder value.
  • Attractive acquisition opportunities may not be available to us in the future, which could limit the growth of our business.
  • Various factors may make takeover attempts more difficult to achieve.
  • Securities issued by us, including our common stock, are not FDIC-insured.
  • RISKS RELATED TO OUR REGULATORY ENVIRONMENT
  • Our banking business is highly regulated, which could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business.
  • We are subject to numerous laws designed to protect consumers, including the Community Reinvestment Act and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
  • We face significant legal risks, both from regulatory investigations and proceedings and from private actions brought against us.
  • We may become subject to enforcements actions even though noncompliance was inadvertent or unintentional.
  • The Federal Reserve may require us to commit capital resources to support the Bank.
  • We are subject to stringent capital requirements which may adversely impact return on equity, require additional capital raises, or limit the ability to pay dividends or repurchase shares.

Legal proceedings

During the fiscal year ended December 31, 2024, the Company was not involved in any material pending legal proceedings as a plaintiff or as a defendant other than routine legal proceedings occurring in the ordinary course of business. Management believes that those routine legal proceedings involve, in the aggregate, amounts that are immaterial to the Company’s financial condition and results of operations.

The opening of Item 3, Legal Proceedings.4

Sources

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