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, 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.
Ponce Financial Group, Inc. has a large shareholder group reporting a significant passive stake. An investor group led by M3 Funds, LLC, M3 Partners, L.P., M3F, Inc., Jason A. Stock and William C. Waller has filed an amended Schedule 13G showing beneficial ownership of 1,855,981 shares of Ponce Financial common stock, representing 7.73% of the class as of 12/31/2025. All shares are held directly by M3 Partners, L.P., with M3 Funds, LLC as general partner and M3F, Inc. as investment adviser, while Stock and Waller may be deemed indirect beneficial owners. The filers certify the position is not held to change or influence control of the company.
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.