Ponce Financial Group (PDLB) investor relations material

Executive summary

• Completed conversion to a national bank and became a bank and financial holding company as of October 10, 2025, enabling broader financial activities.

• Net income available to common stockholders for 2025 was $27.6 million ($1.20 per diluted share), up from $10.3 million ($0.46 per diluted share) in 2024.

• Total assets grew to $3.22 billion as of December 31, 2025, a 6.05% increase year-over-year.

• Focused on community banking with 13 branches, $3.22B in assets, and a mission-driven approach as both a CDFI and MDI.

• Management team with deep experience in banking, fintech, and regulatory roles.

Financial highlights

• Net income available to common stockholders was $27.6M for 2025, up 166.9% year-over-year.

• Net loans receivable grew 13.7% to $2.60B as of December 31, 2025.

• Deposits increased 8.0% to $2.05B year-over-year.

• Net interest margin for Q4 2025 was 3.57%, up from 3.30% in Q3 2025 and 2.80% in Q4 2024.

• Non-interest expenses decreased slightly to $67.0M.

Outlook and guidance

• Positioned for further loan growth, especially in CRE and non-residential sectors.

• Plans to deploy excess capital, expand digital banking, and enhance operational efficiency.

• Focus on growing core deposits and cross-selling to commercial customers.

• Dividend yield expected to remain at 0.50% in the next period.

• Management remains focused on profitability, efficiency, and community investment.