Welcome to our dedicated page for PONCE FINANCIAL GROUP SEC filings (Ticker: PDLB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Ponce Financial Group, Inc. (NASDAQ: PDLB) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a public financial holding company and bank holding company. Through these documents, investors can review how Ponce Financial Group reports the performance and condition of its primary asset, Ponce Bank, N.A., a savings institution with a focus on mortgage lending, business and consumer loans, and investment securities.
Key filings include periodic reports and current reports on Form 8-K. For example, Ponce Financial Group files 8-Ks to furnish press releases announcing quarterly financial results, summarizing metrics such as net income, net interest income, net interest margin, loan and deposit balances, non-interest income and expense, and asset quality ratios. The company also uses Form 8-K to report significant events, such as the conversion of Ponce Bank to a national bank and the company’s commencement of operations as a bank holding company and financial holding company.
These filings offer detail on topics that matter to bank investors, including capital ratios, allowance for credit losses, non-performing assets, and the composition of loans and securities. They also describe Ponce Bank’s status as a Minority Depository Institution, Community Development Financial Institution, and SBA lender, as well as its participation in programs like the U.S. Treasury’s Emergency Capital Investment Program.
On Stock Titan, PDLB filings are updated as they are released to the SEC’s EDGAR system. Users can review individual documents, track changes across reporting periods, and focus on items such as 8-K disclosures related to results of operations or other material events. AI-powered summaries help explain complex sections of lengthy filings, highlight key figures and trends, and point out changes in capital, asset quality, or regulatory status, making it easier to interpret Ponce Financial Group’s regulatory reporting.
Ponce Financial Group director Marlene Cintron reported her equity holdings and awards in an amended Form 3. She holds non-premium stock options on 15,000 shares of common stock at an exercise price of $14.39 per share, expiring on October 22, 2036.
She also holds five premium stock option grants covering 3,000 underlying shares each, with exercise prices ranging from $15.83 to $16.98 per share, all expiring on October 22, 2036. These stock options vest annually at a rate of 20% commencing on October 23, 2026. In addition, she owns 3,000 shares of common stock directly and 500 shares indirectly through an IRA.
Ponce Financial Group director Marlene Cintron filed an initial ownership report showing existing equity awards and shares. The filing lists Non-Premium stock options tied to 15,000 shares of common stock at an exercise price of $14.39 per share, plus several Premium stock option grants for 3,000 underlying shares each with exercise prices from $15.83 to $16.98. These options vest at a 20% annual rate beginning on October 23, 2026 and expire in 2036. Cintron also directly holds 3,000 shares of common stock.
Ponce Financial Group, Inc. appointed Marlene Cintron to its Board of Directors, effective March 26, 2026. She will serve until the 2026 annual meeting, when she is expected to stand for election to a three-year term ending in 2029.
Cintron will join the Board’s Audit Committee and Executive Compensation Committee. She has outstanding loans with Ponce Bank, N.A. made in the ordinary course of business on terms comparable to non-related borrowers. As a non-employee director, she will receive an annual fee of $48,000 plus $500 per committee meeting and may receive equity awards under the 2023 Long-Term Incentive Plan.
The accompanying press release highlights her long career in economic development, public policy, and community advocacy, including leadership roles in Bronx economic development and service as U.S. Small Business Administration Region 2 Administrator.
Ponce Financial Group, parent of Ponce Bank, is a minority depository and community development institution focused on real estate lending in the New York City metro area and nearby New Jersey, with 216 full-time equivalent employees.
Total gross loans reached $2.62 billion at December 31, 2025, up from $2.31 billion a year earlier. The portfolio is heavily concentrated in construction and land loans of $854.1 million (32.5%), multifamily loans of $756.5 million (28.8%) and nonresidential properties of $526.2 million (20.0%), with smaller exposures to one‑to‑four family investor and owner‑occupied mortgages and modest business and consumer loans.
Nonperforming loans were $26.9 million, equal to 1.02% of total loans, while the allowance for credit losses was $25.4 million, or 0.97% of total loans and 94.74% of nonperforming loans. Classified and special mention loans totaled $54.1 million. Securities holdings consisted mainly of agency mortgage‑backed securities and corporate bonds, with $105.9 million available‑for‑sale and $273.0 million held‑to‑maturity. Common equity held by non‑affiliates was valued at $311.9 million as of June 30, 2025, and 24,156,831 common shares were outstanding as of March 11, 2026.
T. Rowe Price Investment Management, Inc. filed an amended Schedule 13G reporting beneficial ownership of 1,896,773 shares of Ponce Financial Group common stock, representing 7.9% of the class as of December 31, 2025.
The firm has sole voting and sole dispositive power over these shares. It certifies that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of Ponce Financial Group.
Ponce Financial Group EVP & Chief Lending Officer Ioannis Kouzilos reported multiple stock option exercises and a subsequent share sale dated February 11, 2026. He exercised options into several blocks of Ponce Financial Group common stock at exercise prices between $10.33 and $13.31 per share.
After these exercises, he sold 10,929 shares of common stock at a price of $16.81 per share, leaving him with 37,077 common shares held directly. The filing also notes unvested restricted stock units totaling 9,000 shares scheduled to vest in stages through 2030, and remaining stock options that vest between 2026 and 2031.
Ponce Financial Group EVP and Chief Banking Officer Betty Yolainy Campiz reported new equity awards dated February 9, 2026. She received 10,000 shares of common stock at $0 per share, increasing her directly held common stock to 17,500 shares, plus 7,962 shares held indirectly through an ESOP.
She was also granted 12,500 non-premium stock options with a $16.87 exercise price and several premium stock option grants of 2,500 shares each with exercise prices from $18.56 to $19.91, generally vesting at 20% per year starting on specified dates between February 9, 2027 and February 4, 2031. Footnotes indicate earlier option awards that are fully or partially vested remain outstanding.
Ponce Financial Group’s Chief Human Resources Officer, Melissa Antonia DeLeon, reported new equity awards in company stock. On February 9, 2026, she received 5,000 shares of common stock at $0, described as restricted stock units that vest 20% per year starting February 9, 2027.
She was also granted a 5,000-share non-premium stock option at $16.87 and several 1,000-share premium stock options with exercise prices of $18.56, $18.89, $19.23, $19.57, and $19.91, each vesting 20% annually beginning February 9, 2027 and expiring in 2036. The filing also lists existing non-premium options granted earlier and 6,512 shares of common stock held indirectly through an ESOP.
Ponce Financial Group, Inc. reported the initial holdings of Chief Human Resources Officer Melissa Antonia DeLeon on a Form 3 dated 01/22/2026. She indirectly holds 6,512 shares of Common Stock through an ESOP and directly holds non-premium stock options for 4,883 and 5,000 shares of Common Stock.
The 4,883 stock options began vesting in 20% annual installments starting April 1, 2023, while the 5,000 stock options are scheduled to vest in 20% annual installments starting February 4, 2026. The filing notes it was submitted late due to delays in obtaining EDGAR codes.
Ponce Financial Group EVP and Chief Banking Officer Betty Yolainy Campiz filed an initial Form 3 reporting her beneficial ownership in Ponce Financial Group, Inc. common stock. She directly holds 7,500 common shares, which include 5,500 shares of restricted stock scheduled to vest in stages between December 2026 and February 2030. She also indirectly holds 7,962 common shares through an ESOP.
Campiz additionally reports several grants of non-premium stock options over Ponce common stock: 13,952 options at $6.2 per share that are fully vested, 3,122 options at $10.44 per share vesting 20% annually starting April 1, 2023, 20,000 options at $10.33 per share vesting 20% annually starting December 7, 2024, and 20,000 options at $13.31 per share vesting 20% annually starting February 4, 2026. The Form 3 relates to an event dated January 22, 2026 and is noted as filed late due to delays in obtaining EDGAR codes.