HarborOne Bancorp(HONE) - 2025 Q1 - Earnings Call Presentation

Financial Performance - HarborOne's Q1 2025 net income was $55 million, with diluted earnings per share of $014[7] - The net interest margin was 239%, up 3 basis points quarter-over-quarter[7] - Client deposits increased by $796 million, or 19%, quarter-over-quarter[7] - The company repurchased 513,855 shares, totaling $59 million in Q1 2025[7] Balance Sheet & Loan Portfolio - Total assets were $57 billion[6] - Total loans amounted to $48 billion[6] - Total deposits reached $46 billion[6] - Commercial & Industrial loans grew $330 million, or 56%, quarter-over-quarter[25] Asset Quality - Non-Performing Assets (NPA) to Assets ratio was 054%[27] - A charge-off of $83 million was taken on one credit in the office category during Q1 25[47] Merger with Eastern Bank - The merger is expected to result in approximately 16% EPS accretion[89, 108] - The deal value is approximately $490 million[106] - Cost savings are projected to be around $55 million, representing about 40% of HarborOne's operating non-interest expenses[106, 118]