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
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.65% | 1.00% | 1.72% | Beats 58% | 15 / 36 | | |
| Return on Equity | 7.29% | 5.35% | 9.30% | 13.56% | Beats 40% | 21 / 35 | | |
| Net Interest Margin | 3.43% | 2.66% | 3.13% | 3.63% | Beats 61% | 14 / 36 | | |
| Efficiency Ratio | 54.12% | 52.19% | 63.09% | 75.14% | Beats 66% | 13 / 35 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.46% | 0.84% | 1.59% | Beats 58% | 16 / 36 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.03% | 0.14% | Beats 42% | 22 / 36 | | |
| Capital |
| Tier 1 Capital Ratio | 17.87% | 13.13% | 14.78% | 18.34% | Beats 67% | 12 / 36 | | |
| Total Risk-Based Capital Ratio | 18.88% | 13.73% | 15.96% | 19.27% | Beats 69% | 11 / 36 | | |
| Equity / Assets | 15.07% | 9.80% | 11.58% | 14.82% | Beats 86% | 5 / 36 | | |
| Liquidity & Funding |
| Loans / Deposits | 127.26% | 81.12% | 95.13% | 103.24% | 92nd pctl | 3 / 36 | | |
| Loans / Assets | 83.51% | 67.44% | 76.31% | 84.79% | 67th pctl | 12 / 36 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |