Ponce EVP Campiz reports initial PDLB holdings

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.

Rhea-AI Filing Summary

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.

Insider Trade Summary

6 transactions reported

Mixed 6 txns

Insider Campiz Betty Yolainy

Role EVP and Chief Banking Officer

Type	Security	Shares	Price	Value
holding	Non-Premium Stock Options	--	--	--
holding	Non-Premium Stock Options	--	--	--
holding	Non-Premium Stock Options	--	--	--
holding	Non-Premium Stock Options	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Non-Premium Stock Options — 57,074 contracts (Direct); Common Stock — 7,500 shares (Direct); Common Stock — 7,962 shares (Indirect, By ESOP)

Footnotes (5)

1. F1. Includes 5,500 shares of restricted stock, 500 shares each will vest on December 7, 2026, December 7, 2027 and December 8, 2027 and 1,000 shares each will vest on February 4, 2027, February 4, 2028, February 4, 2029 and February 4, 2030.
2. F2. Stock options fully vested
3. F3. Stock options commenced vesting annually at a rate of 20% starting on April 1, 2023.
4. F4. Stock optons commence vesting annually at a rate of 20% starting December 7, 2024.
5. F5. Stock optons commence vesting annually at a rate of 20% starting February 4, 2026.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

Who is Betty Yolainy Campiz in relation to Ponce Financial Group (PDLB)?

Betty Yolainy Campiz is an EVP and Chief Banking Officer of Ponce Financial Group, Inc. She is an officer, not a director or 10% owner, and her Form 3 details her initial beneficial ownership of common stock and stock options in the company.

How many PDLB common shares does Betty Yolainy Campiz directly and indirectly own?

Campiz directly owns 7,500 Ponce Financial common shares, including restricted stock that vests over time. She also indirectly owns 7,962 common shares through an employee stock ownership plan (ESOP), reflecting both personal and plan-related equity exposure.

What stock options in Ponce Financial Group (PDLB) does Betty Yolainy Campiz report?

Campiz reports four non-premium stock option grants over Ponce common stock, covering 13,952, 3,122, 20,000, and 20,000 shares at exercise prices of $6.2, $10.44, $10.33, and $13.31, each with specified vesting schedules and expiration dates.

When do Betty Yolainy Campiz’s PDLB restricted stock awards vest?

Her 5,500 restricted shares vest in tranches: 500 shares each on December 7, 2026, December 7, 2027, and December 8, 2027, plus 1,000 shares each on February 4, 2027, February 4, 2028, February 4, 2029, and February 4, 2030.

What are the vesting terms of Betty Yolainy Campiz’s PDLB stock options?

One option grant for 13,952 shares is fully vested. A 3,122-share grant vests 20% annually starting April 1, 2023, a 20,000-share grant vests 20% annually starting December 7, 2024, and another 20,000-share grant vests 20% annually starting February 4, 2026.

Why was Betty Yolainy Campiz’s Form 3 for PDLB filed late?

The Form 3 notes it was filed late because of unanticipated delays in obtaining the reporting person’s EDGAR access codes. The explanation states these delays were understood to be unavoidable due to a high volume of EDGAR code applications at that time.

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Accepted by SEC EDGAR 02/09/2026 - 03:46 PM Learn about SEC filing dates

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

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Campiz Betty Yolainy

(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)
	EVP and Chief Banking 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	7,500(1)	D
Common Stock	7,962	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	05/21/2021	05/20/2031	Common Stock	13,952(2)	$6.2	D
Non-Premium Stock Options	04/01/2023	03/31/2033	Common Stock	3,122(3)	$10.44	D
Non-Premium Stock Options	12/07/2024	12/06/2034	Common Stock	20,000(4)	$10.33	D
Non-Premium Stock Options	02/04/2026	02/03/2036	Common Stock	20,000(5)	$13.31	D

Explanation of Responses:

1. Includes 5,500 shares of restricted stock, 500 shares each will vest on December 7, 2026, December 7, 2027 and December 8, 2027 and 1,000 shares each will vest on February 4, 2027, February 4, 2028, February 4, 2029 and February 4, 2030.

2. Stock options fully vested

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

4. Stock optons commence vesting annually at a rate of 20% starting December 7, 2024.

5. Stock optons 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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.