Ponce Financial Group (PDLB) investor relations material

Executive summary

• Net income available to common stockholders was $8.2 million ($0.35 per diluted share) for Q2 2026, slightly down from $8.3 million in Q1 2026 but up from $5.8 million in Q2 2025.

• Net interest income rose to $30.1 million in Q2 2026, up 6.5% sequentially and 23.1% year-over-year.

• For the first half of 2026, net income available to common stockholders was $16.6 million ($0.71 per diluted share), up 44% year-over-year.

• Book value per share increased to $13.89, up 13% from the prior year.

• Strong loan and deposit growth, with net loans receivable up 10.8% and deposits up 11% since year-end 2025.

Financial highlights

• Q2 2026 net interest margin was 3.66%, up from 3.61% in Q1 2026 and 3.27% in Q2 2025.

• Non-interest income for Q2 2026 was $1.5 million, down 25% sequentially and year-over-year.

• Non-interest expense for Q2 2026 was $18.1 million, up 5.2% sequentially and 7.5% year-over-year.

• Provision for credit losses in Q2 2026 was $2.1 million, up from $1.7 million in Q1 2026 and $1.6 million in Q2 2025.

• Total assets reached $3.49 billion as of June 30, 2026, up 8.4% from year-end 2025.

Outlook and guidance

• Management expects to meet conditions for repurchasing preferred stock under the ECIP Purchase Option Agreement, pending regulatory approval.

• Continued focus on community investment, technology, and efficiency improvements.