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Harborone Bank

IDRSSD: 40499
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2025-09-30. 3 alerts active.

Summary

RSSD 40499 held $5.6B in total assets as of 2025-09-30 (+0.3% quarter-over-quarter). Total loans stood at $4.7B (+0.6% QoQ) and total deposits at $4.5B (-1.3% QoQ).

Overall position is weak — the composite Health Score is 18/100 (Weak). Tier 1 / RWA stands at 11.34%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
18/100
Weak
Active Alerts
3
0 critical, 3 warning
Total Assets
$5.6B
+0.3% QoQ
Total Loans
$4.7B
+0.6% QoQ
Total Deposits
$4.5B
-1.3% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
11.34%
17th pctile · n=231↑ better
-0 bp QoQ
CET1 / RWA
11.34%
30th pctile · n=261↑ better
+0 bp QoQ
Total RBC / RWA
12.48%
18th pctile · n=231↑ better
+3 bp QoQ
Tier 1 Leverage Ratio
11.34%
27th pctile · n=261↑ better
+0 bp QoQ

Liquidity

Cash / Assets
3.66%
35th pctile · n=261↑ better
-13 bp QoQ
Loans / Deposits
106.27%
94th pctile · n=259↓ better
+206 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.18%
81th pctile · n=261↓ better
+49 bp QoQ
NPA / Assets
1.00%
85th pctile · n=261↓ better
+42 bp QoQ
Texas Ratio (regulatory)
9.81%
87th pctile · n=261↓ better
+410 bp QoQ
Net Charge-Offs / Avg Loans
0.52%
90th pctile · n=261↓ better
+38 bp QoQ
ALLL Coverage of NPL
88.95%
20th pctile · n=261↑ better
-5772 bp QoQ

Earnings

Net Interest Margin
2.55%
9th pctile · n=261↑ better
+0 bp QoQ
Return on Assets
0.31%
5th pctile · n=261↑ better
-31 bp QoQ
Return on Equity
3.22%
6th pctile · n=261↑ better
-333 bp QoQ
Efficiency Ratio
69.70%
83th pctile · n=261↓ better
-276 bp QoQ
Pre-tax NOI / Avg Assets
0.42%
6th pctile · n=261↑ better
-41 bp QoQ

Funding

Brokered / Deposits
7.11%
69th pctile · n=259↓ better
-39 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
10.15%
89th pctile · n=261↓ better
+148 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
5.34%
16th pctile · n=261↑ better
-12 bp QoQ
AFS Securities / Assets
5.09%
20th pctile · n=261↑ better
-3 bp QoQ
HTM Securities / Assets
0.25%
55th pctile · n=261↑ better
-9 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 03:51:39 UTC