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Ponce Financial Group (PDLB) investor relations material
Ponce Financial Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Completed conversion to a national bank and commenced operations as a bank holding company and financial holding company as of October 10, 2025.
Net income available to common stockholders for Q3 2025 was $6.2 million ($0.27/diluted share), up from $2.2 million in Q3 2024; for the nine months ended September 30, 2025, net income was $17.7 million ($0.77/diluted share), more than double the prior year.
Total assets reached $3.16 billion as of September 30, 2025, with 13 branches and 5 loan production offices.
Management team has extensive experience in banking, regulatory, and community development sectors.
Opened new branches in Inwood, NY and Manhattan, and completed a major branch redesign in the Bronx.
Financial highlights
Net interest income for Q3 2025 was $25.2 million, up 32.7% year-over-year; for the nine months, it was $71.9 million, up 28.9%.
Net interest margin improved to 3.30% in Q3 2025 from 2.65% in Q3 2024; for the nine months, it was 3.18% versus 2.66%.
Net loans receivable grew 14.2% year-over-year to $2.49 billion.
Deposits increased 9.5% year-over-year to $2.06 billion.
Non-interest expense for Q3 2025 was $16.6 million, flat year-over-year; for the nine months, it was $50.4 million, up 0.8%.
Outlook and guidance
Positioned for continued loan and deposit growth, leveraging excess capital and ECIP funds, with a focus on community-centric banking and digital initiatives.
Strategic focus on expanding CRE and non-residential loans, growing core deposits, and enhancing digital banking capabilities.
Management expects to maintain favorable ECIP dividend rates and pursue the repurchase option for preferred stock.
Ongoing modernization of infrastructure and risk management to support growth and resiliency.
Deep impact lending at 81% after 13 quarters, well above the 60% threshold required for preferred stock buyback.
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Next Ponce Financial Group earnings date
Q4 202529 Jan, 2026
Next Ponce Financial Group earnings date
Q4 202529 Jan, 2026
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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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