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.
Ponce Financial Group, Inc. filings document the public-company record of a bank holding company for Ponce Bank, National Association. Its Form 8-K reports disclose quarterly results, Regulation FD presentation materials, material events, capital-structure matters and governance changes, including board appointments and related committee service.
The company’s proxy materials describe annual meeting business, director elections, executive and director compensation, equity compensation matters, board committee structure and other governance disclosures. Filing exhibits also document Ponce Bank’s operating performance, loan and deposit trends, credit quality, regulatory capital position, preferred stock dividends and community-banking obligations tied to the Emergency Capital Investment Program.
Ponce Financial Group reported Q2 2026 net income available to common stockholders of $8.2 million, or $0.35 per diluted share, compared with $5.8 million, or $0.25, a year earlier. Net interest income rose to $30.1 million and net interest margin improved to 3.66%, while non-interest income fell to $1.5 million and provision for credit losses increased to $2.1 million.
For the six months ended June 30, 2026, net income available to common stockholders was $16.6 million, or $0.71 per diluted share, up from $11.5 million, or $0.50. Net loans receivable reached $2.88 billion and deposits $2.27 billion, with non-performing assets and accruing modifications at $26.8 million, or 0.67% of assets. Capital ratios remained high, including a 20.00% total capital ratio at the holding company. Management believes it has met lending conditions to qualify to repurchase $225 million of ECIP preferred stock, but any repurchase remains subject to additional conditions and timing and pricing are uncertain.
Ponce Financial Group, Inc., holding company for Ponce Bank, reported at its annual meeting that the bank achieved a 1% return on average assets in 2025, a key profitability benchmark for banks.
Basic earnings per share for 2025 were $1.21, up from $0.46 in 2024 and $0.15 in 2023, while total revenues grew 45% from 2023 and expenses increased just 1%. As of December 31, 2025, total capital to risk‑weighted assets was 24% (23.72%) and the efficiency ratio was 61%, indicating strong capitalization and cost control.
The company opened a new branch in Manhattan’s Inwood neighborhood, its Midwood branch received a combined $50 million deposit from New York State and City, and digital deposits at Ponce Bank Direct rose by about $20 million to $55 million in 2025. Shareholders elected three directors, ratified Forvis Mazars, LLP as auditor, and approved executive compensation on an advisory basis. Management also noted an ECIP purchase option agreement with the U.S. Treasury that could, if consummated after required conditions are met, increase book value per share.
Ponce Bank Employees Stock Ownership Plan, with Pentegra Trust Company as trustee, reported beneficial ownership of 1,873,224 shares of Ponce Financial Group common stock, representing 7.7% of the class based on 24,187,901 shares outstanding as of March 31, 2026. The trustee holds sole voting power of 1,168,244 shares and shared voting power of 704,980. The filing is an Amendment No. 4 to the Schedule 13G and is signed by Paula Edmonds, Senior Vice President, dated 05/07/2026.
Ponce Financial Group, Inc. reported stronger results for the quarter ended March 31, 2026. Net income rose to $8.6M from $6.0M a year earlier, with net income available to common stockholders of $8.3M. Basic and diluted earnings per common share increased to $0.36 from $0.25.
Total assets reached $3.30B, driven mainly by loan growth, as loans receivable, net, increased to $2.70B. Deposits grew to $2.13B, while Federal Home Loan Bank advances stood at $571.1M. Net interest income improved to $28.2M, supported by higher interest on loans receivable.
Credit quality metrics remained controlled. The allowance for credit losses on loans was $26.2M, up from $25.4M, and nonaccrual loans totaled $20.4M, down from $26.9M at year-end 2025. The company also continues to carry $225.0M of ECIP preferred stock paying a current 0.5% dividend rate.
Ponce Financial Group, Inc. reported stronger year-over-year earnings for the first quarter of 2026 while seeing a modest decline versus the prior quarter. Net income available to common stockholders was $8.3 million, or $0.36 diluted EPS, compared with $5.7 million, or $0.25, a year earlier and $9.9 million, or $0.42, in the prior quarter. Net interest income rose to $28.2 million, up 27.13% year-over-year, and net interest margin improved to 3.61% from 2.98%, reflecting higher spreads on earning assets and lower interest expense. Non-interest income fell to $2.0 million, driven by lower other income, grant income recognized last quarter, and reduced late and prepayment charges. Loans grew to $2.70 billion and deposits to $2.13 billion, with total assets reaching $3.30 billion. Asset quality improved as total non-performing assets and accruing modifications declined to $23.6 million, or 0.62% of total assets, while the allowance for credit losses on loans increased to $26.2 million. Capital ratios at both the holding company and bank remained well above regulatory requirements, and book value per common share rose to $13.49.
Ponce Financial Group, Inc. is asking stockholders to vote at its 2026 virtual-only Annual Meeting on June 11, 2026. Stockholders will elect three directors for terms expiring in 2029, ratify Forvis Mazars, LLP as independent auditor for 2026, and approve, on an advisory basis, executive compensation (say‑on‑pay).
Only holders of common stock at the close of business on April 15, 2026 may vote; there were 24,187,901 shares outstanding as of that date. Significant holders above 5% include T. Rowe Price Associates, M3 Funds, the Ponce Bank Employee Stock Ownership Plan, BlackRock, and the Ponce De Leon Foundation. The proxy also details board independence, committee structures, and 2024–2025 compensation for senior executives including Executive Chairman Steven A. Tsavaris, President and CEO Carlos P. Naudon, and CFO Sergio J. Vaccaro.
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.