Every 8-K that Ponce Financial Group, Inc. (PDLB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow PDLB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full PDLB filings page.
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 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. 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, Inc. filed a current report describing two investor-focused updates. The company issued a press release announcing its financial results for the fourth quarter ended December 31, 2025, and furnished this release as Exhibit 99.1.
Ponce Financial also prepared an investor presentation for use with current and prospective investors after January 27, 2026. This presentation, furnished as Exhibit 99.2, will be made available at investor meetings and posted on the company’s website.
Ponce Financial Group, Inc. (PDLB) furnished materials related to its third-quarter results. The company reported that it issued a press release covering financial results for the quarter ended September 30, 2025, and made an investor presentation available. Both materials were provided as exhibits and are designated as “furnished,” not “filed,” under the Exchange Act.
The company also noted it is scheduled to present to current and prospective investors after October 24, 2025, and the presentation will be posted on its website.
Ponce Financial Group (PDLB) announced that, effective October 10, 2025, its subsidiary completed a charter conversion and began operating as Ponce Bank, National Association. On the same date, the company commenced operations as a bank holding company and elected financial holding company status.
The national bank charter broadens bank powers, including eligibility to receive municipal deposits in New York. The company stated it does not expect material changes in its core business as a result of these changes.