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This institution is no longer active

Operations ceased on November 1, 2025. CRA examination history below reflects the period it was active.

HARBORONE BANK

BROCKTON, MA · Supervised by FDIC

Est. 2013FDIC #59,070RSSD: FDIC-59070
Part ofHARBORONE BCORP INC→ View all charters
Outstanding Same

Current rating · Exam: August 2021

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

68 Legion Pkwy, BROCKTON, MA

County

Plymouth County

Established

July 1, 2013

Total Assets

$5.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 1, 2021

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$5.6B

Total Deposits

$4.5B

Net Loans

$4.7B

Net Income

$19M

ROA

0.44%

ROE

4.64%

Risk-Based Capital

12.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate45.07%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

33

Branch Deposits

$4.5B

1-Year Change

0

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,03444.2%45.07%
20231,04544.31%43.83%
20221,64453.53%34.49%
20211,36055.22%32.43%
20202281.82%18.18%
20194486.36%9.09%
201836054.17%31.11%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 2015

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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