Ponce Financial (PDLB) CHRO DeLeon reports ESOP stake and non-premium stock options

Rhea-AI Filing Summary

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.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

DeLeon Melissa Antonia

(Last) (First) (Middle)

C/O PONCE BANK

2244 WESTCHESTER AVENUE

(Street)

BRONX NY 10462

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
01/22/2026

3. Issuer Name and Ticker or Trading Symbol
Ponce Financial Group, Inc. [ PDLB ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Human Resources Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	6,512	I	By ESOP

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Non-Premium Stock Options	04/01/2023	03/31/2033	Common Stock	4,883(1)	$10.44	D
Non-Premium Stock Options	02/04/2026	02/03/2036	Common Stock	5,000(2)	$13.31	D

Explanation of Responses:

1. Stock options commenced vesting annually at a rate of 20% starting on April 1, 2023.

2. Stock options commence vesting annually at a rate of 20% starting February 4, 2026.

Remarks:

This Form 3 is being filed late due to unanticipated delays in receiving the Reporting Person's EDGAR codes, which delays we understand were unavoidable due to the high volume of applications.

	/s/ Megan Foscaldi, as attorney in fact	02/09/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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FAQ

What does the PDLB Form 3 filing for Melissa Antonia DeLeon show?

The Form 3 shows initial beneficial ownership for Chief Human Resources Officer Melissa Antonia DeLeon. It lists ESOP-held common shares and two blocks of non-premium stock options, including their exercise prices, expiration dates, and scheduled annual vesting at 20% rates.

How many Ponce Financial Group (PDLB) common shares does Melissa Antonia DeLeon beneficially own?

She beneficially owns 6,512 shares of Common Stock, held indirectly through an ESOP. This stake is reported as indirect ownership in Table I and reflects her interest via the employee stock ownership plan, not direct share ownership in her own name.

What stock options are reported for Melissa Antonia DeLeon in the PDLB Form 3?

She holds two non-premium stock option grants. One covers 4,883 shares at an exercise price of $10.44, and another covers 5,000 shares at $13.31. Both are exercisable for Ponce Financial Group common stock under the company’s arrangements.

When do Melissa Antonia DeLeon’s PDLB stock options vest?

One option grant began vesting annually at 20% starting April 1, 2023. The second grant is scheduled to begin vesting annually at 20% starting February 4, 2026. These terms gradually increase her exercisable option holdings over time.

Why does the PDLB Form 3 mention a late filing for Melissa Antonia DeLeon?

The remarks explain the Form 3 was filed late due to unanticipated delays in obtaining the reporting person’s EDGAR codes. The delays are described as unavoidable and linked to a high volume of EDGAR code applications being processed.

Is Melissa Antonia DeLeon a director or 10% owner of Ponce Financial Group (PDLB)?

The filing identifies her as an officer, specifically Chief Human Resources Officer, and not as a director or 10% owner. The director and 10% owner boxes are unchecked, indicating she does not hold those roles as of the reported date.