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Ponce Bank, National Association

Bronx, NY · Cert 31189 · Ponce Financial Group Inc.

National charter · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

66

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ponce Bank, National Association

Bronx, NY · Cert 31189 · Ponce Financial Group Inc.

National charter · OCC · 14 branches

Q2 2026

$3.5BAssets
$2.9BLoans
$2.3BDeposits
$525.3MEquity
Loan mix
97%RE $2.6B3%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $2.0B12%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.52%Q2 ’245.79%Q2 ’255.92%Q2 ’26+16%+15%

Non-interest income vs. expense

2.19%Q2 ’242.06%Q2 ’251.97%Q2 ’26-9%-1%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #54 of 151 inst. · $2.3B of $2921.1B

8.7% Bronx
0.3% Queens
0.3% Kings
0.0% New York

Executive Summary

  • Earnings: ROA of 1.15%, up 28 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.81% of loans (-19 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 15.81%, down 18 bps from a year ago.
  • Funding: loans stand at 127.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+44 bps YoY

Efficiency Ratio (YTD, annualized)

54.12%-870 bps YoY

Tier 1 Leverage Ratio

15.81%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.89%1.01%1.15%1.15%+28 bps
Return on Equity5.66%5.74%6.47%7.33%7.44%+178 bps
Net Interest Margin2.99%3.05%3.11%3.45%3.43%+44 bps
Efficiency Ratio62.82%60.98%58.14%54.34%54.12%-870 bps
Non-Interest Burden1.77%1.75%1.68%1.77%1.76%-1 bps
Growth
Asset Growth (YoY)11.08%4.68%6.18%6.91%10.85%-23 bps
Loan Growth (YoY)19.41%13.86%13.29%13.51%16.95%-246 bps
Deposit Growth (YoY)26.90%9.35%7.99%5.77%10.70%-1,620 bps
Asset Quality
Nonperforming Loans / Loans1.00%1.11%1.02%0.75%0.81%-19 bps
Net Charge-Offs / Loans0.04%0.04%0.06%0.07%0.06%+2 bps
Allowance / Loans0.97%0.98%0.97%0.96%0.95%-2 bps
Allowance Coverage of NPLs1.0x0.9x0.9x1.3x1.2x+0.2x
Capital
Tier 1 Leverage Ratio15.99%16.08%16.12%16.09%15.81%-18 bps
Total Risk-Based Capital21.22%21.79%21.63%20.00%18.88%-233 bps
Equity / Assets15.38%15.67%15.70%15.65%15.07%-31 bps
Liquidity & Funding
Loans / Deposits120.45%121.40%127.47%126.95%127.26%+680 bps
Liquid Assets / Assets13.48%12.71%11.42%10.56%10.57%-290 bps
CRE / Total Capitaln/a399%414%421%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ponce Bank, National Association

Bronx, NY · Cert 31189 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Ponce Financial Group Inc.

National charter · OCC · 14 branches

Q2 2026

$3.5BAssets
$2.9BLoans
$2.3BDeposits
$525.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 86% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 36).
  • Widest gap: return on equity trails 60% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 21 of 35).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.10%

Rank 15 of 36

Net Interest Margin

3.43%

Rank 14 of 36

Efficiency Ratio

54.12%

Rank 13 of 35

Equity / Assets

15.07%

Rank 5 of 36

Non-interest income vs. expense

$6.9M$66.7MINCOMEEXPENSE
Unfavorable gap of $59.8M · efficiency ratio beats 66% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 54.12%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.65%1.00%1.72%Beats 58%15 / 36
Return on Equity7.29%5.35%9.30%13.56%Beats 40%21 / 35
Net Interest Margin3.43%2.66%3.13%3.63%Beats 61%14 / 36
Efficiency Ratio54.12%52.19%63.09%75.14%Beats 66%13 / 35
Asset Quality
Nonperforming Loans / Loans0.81%0.46%0.84%1.59%Beats 58%16 / 36
Net Charge-Offs / Loans0.03%n/a0.03%0.14%Beats 42%22 / 36
Capital
Tier 1 Capital Ratio17.87%13.13%14.78%18.34%Beats 67%12 / 36
Total Risk-Based Capital Ratio18.88%13.73%15.96%19.27%Beats 69%11 / 36
Equity / Assets15.07%9.80%11.58%14.82%Beats 86%5 / 36
Liquidity & Funding
Loans / Deposits127.26%81.12%95.13%103.24%92nd pctl3 / 36
Loans / Assets83.51%67.44%76.31%84.79%67th pctl12 / 36
Brokered Deposits / Depositsn/aNot reported for this institution