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Ponce Financial Group
Ponce Financial Group (PDLB) investor relations material
Ponce Financial Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
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.
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Next Ponce Financial Group earnings date
Q1 202624 Apr, 2026
Ponce Financial Group
Next Ponce Financial Group earnings date
Q1 202624 Apr, 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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