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. Chief Operating Officer Luis Gerardo Gonzalez Jr. reported new equity awards dated January 22, 2026. He received 5,000 shares of common stock in the form of restricted stock units that were granted for no cash consideration and are scheduled to vest in five equal annual installments of 20% starting on January 22, 2027. Following this award, he directly reports beneficial ownership of 30,252 shares of common stock, plus 2,919 shares held indirectly through the ESOP.
On the same date he was granted 2,500 stock options with an exercise price of $16.88 per share, vesting 20% annually beginning January 22, 2027. He also holds multiple tranches of previously granted premium stock options with exercise prices between $10.33 and $19.92 and non‑premium stock options covering 20,000 shares, which vest 20% annually beginning February 4, 2026.
Ponce Financial Group, Inc. President & CEO Carlos P. Naudon reported new equity awards in the form of common stock and stock options. On January 22, 2026, he acquired 15,000 shares of common stock at a price of $0, increasing his directly held common stock to 473,743 shares, with additional indirect holdings through an IRA, Banking Spectrum Inc., and the ESOP.
On the same date he was granted multiple option awards, including five 1,500-share Premium Stock Options with exercise prices ranging from $18.57 to $19.92, and 7,500 stock options at an exercise price of $16.88, all held directly. Footnotes state that the 15,000-share restricted stock unit grant and the 7,500-share option grant each vest 20% per year beginning January 22, 2027, and that his holdings include 126,852 restricted stock units with scheduled vesting dates in 2026–2028.
Ponce Financial Group Executive Chairman Steven Tsavaris reported new equity awards in PDLB. On January 22, 2026, he acquired 15,000 shares of common stock at $0 per share, described as restricted stock units that vest 20% per year beginning January 22, 2027. Following this, he directly held 531,491 common shares, with additional indirect holdings through his wife and the ESOP.
Tsavaris also received multiple option grants. He was granted five tranches of Premium Stock Options, each for 1,500 shares with exercise prices ranging from $18.57 to $19.92, and 7,500 stock options at an exercise price of $16.88. These options generally vest 20% per year starting January 22, 2027, with expirations in 2036, adding to previously held option positions.
Ponce Financial Group (PDLB) reported stronger Q3 results. Net income for the quarter was $6.5 million vs. $2.4 million a year ago, and diluted EPS was $0.27 vs. $0.10. Net interest income rose to $25.2 million from $19.0 million as loan yields outpaced funding costs, while the provision for credit losses increased to $1.4 million from $0.5 million.
For the first nine months of 2025, net income reached $18.6 million vs. $8.0 million in 2024, with net interest income of $71.9 million vs. $55.8 million. The balance sheet expanded: assets were $3.16 billion and loans receivable, net were $2.49 billion as of September 30, 2025. Deposits rose to $2.06 billion, while borrowings decreased to $521.1 million. Accumulated other comprehensive loss improved to $(11.6) million.
Credit metrics were stable with the allowance for credit losses at $24.8 million. Nonaccrual and 90+ day loans totaled $23.5 million. The company continues to carry $225.0 million of ECIP preferred stock at a 0.5% dividend rate and has reported 13 consecutive quarters meeting both Deep Impact and Qualified Lending conditions.
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.