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Ponce Financial Group (PDLB) investor relations material
Ponce Financial Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income available to common stockholders rose to $5.8 million for Q2 2025, up 86.7% year-over-year, with EPS of $0.26 basic and $0.25 diluted, driven by higher net interest income and loan growth.
Six-month net income available to common stockholders was $11.5 million, up 107.8% year-over-year.
Total assets increased 3.7% to $3.15 billion at June 30, 2025, primarily due to a $172.1 million rise in net loans receivable.
Stockholders' equity grew 3.1% to $521.1 million, supported by net income and other comprehensive income.
The company continues to meet all regulatory capital requirements and is categorized as well capitalized.
Financial highlights
Net interest income for Q2 2025 was $24.4 million, up 36.4% year-over-year; net interest margin increased to 3.27% from 2.62%.
Provision for credit losses was $1.6 million in Q2 2025, compared to a benefit of $0.9 million in Q2 2024.
Non-interest income decreased 8.8% to $2.1 million, while non-interest expense rose 1.4% to $16.9 million.
Cash and equivalents at June 30, 2025: $126.6 million, down $13.2 million from December 31, 2024.
Six-month 2025 net interest income: $46.6 million, up $9.9 million (27%) year-over-year.
Outlook and guidance
Management expects net interest income to benefit from potential further rate cuts and increased loan demand.
Continued focus on high-yielding construction loans and cost control.
Progress on U.S. Treasury's Emergency Capital Investment Program; 69% of next year's dividend goal achieved.
The company anticipates sufficient liquidity and capital to meet lending commitments and regulatory requirements.
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Next Ponce Financial Group earnings date
Q3 202529 Oct, 2025
Next Ponce Financial Group earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Ponce Financial Group Inc. is the holding company for Ponce Bank, a community-focused bank operating primarily in New York City, with branches in the Bronx, Manhattan, Brooklyn, Queens, and Union City, New Jersey. The company provides a range of financial services, including personal and business banking, through its branches and digital platforms. It focuses on serving the financial needs of individuals, small businesses, and underserved communities, particularly within its local markets. The company is headquartered in New York, NY, and its shares are listed on the NASDAQ.
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