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HarborOne Bancorp
HarborOne Bancorp (HONE) investor relations material
HarborOne Bancorp has been delisted
HarborOne Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $8.1 million ($0.20 per diluted share), up from $7.3 million in Q2 2024 and up 46.5% from Q1 2025; six-month net income was $13.6 million, down from $14.6 million year-over-year.
A definitive merger agreement with Eastern was signed in April 2025, expected to close in Q4 2025, pending regulatory and shareholder approvals.
Share repurchases were suspended in April 2025 following the merger announcement; 317,500 shares repurchased in Q2 at $9.68 per share.
Financial highlights
Net interest and dividend income for Q2 2025 rose to $33.7 million, with net interest margin increasing to 2.52% from 2.31% year-over-year.
Noninterest income for Q2 2025 was $12.2 million, up 23.6% year-over-year, driven by higher mortgage banking and deposit fees.
Noninterest expense was $34.1 million, including $1.7 million in merger-related expenses.
Core net income (non-GAAP) for Q2 was $9.2 million ($0.23 per diluted share).
Outlook and guidance
Management expects the merger with Eastern to close in Q4 2025, subject to regulatory and shareholder approvals.
The company is evaluating the impact of new federal tax legislation but does not expect material effects.
Management continues to monitor CRE loan portfolio risk and expects market softness due to higher vacancies and rates.
Focus remains on financial improvement and seamless merger transition.
Merger's impact on capital allocation
Explain non-performing asset increase
Reconcile deposit trends and funding strategy
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Frequently asked questions
HarborOne Bancorp Inc. is a bank holding company that provides a range of retail and commercial banking services. The company operates through its subsidiary, HarborOne Bank, offering products such as personal and business checking accounts, savings accounts, certificates of deposit, and various loan options, including residential mortgages, commercial real estate, and personal loans. HarborOne Bancorp also provides wealth management, financial advisory, and insurance services to individuals and businesses. The company primarily serves customers in Massachusetts and Rhode Island through a network of branches and online banking platforms. It is headquartered in Brockton, Massachusetts, and its shares are listed on the NASDAQ.
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