Bronx, NY · Cert 31189 · Ponce Financial Group Inc.
National charter · OCC · 14 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #54 of 151 inst. · $2.3B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.48% | 0.86% | 0.89% | 0.92% | 1.35% | 1.15% | 1.16% | +27 bps | |
| Return on Equity | 3.09% | 3.08% | 5.57% | 5.75% | 5.91% | 8.59% | 7.33% | 7.54% | +179 bps | |
| Net Interest Margin | 2.57% | 2.71% | 2.83% | 3.14% | 3.21% | 3.49% | 3.45% | 3.54% | +40 bps | |
| Efficiency Ratio | 75.48% | 72.81% | 65.61% | 60.26% | 57.55% | 50.93% | 54.34% | 53.92% | -635 bps | |
| Non-Interest Burden | 1.89% | 1.90% | 1.75% | 1.78% | 1.73% | 1.59% | 1.77% | 1.82% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.09% | 10.63% | 9.74% | 11.08% | 4.68% | 6.18% | 6.91% | 10.85% | -23 bps | |
| Loan Growth (YoY) | 21.03% | 20.07% | 19.29% | 19.41% | 13.86% | 13.29% | 13.51% | 16.95% | -246 bps | |
| Deposit Growth (YoY) | 32.89% | 24.60% | 26.02% | 26.90% | 9.35% | 7.99% | 5.77% | 10.70% | -1,620 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 1.18% | 1.14% | 1.00% | 1.11% | 1.02% | 0.75% | 0.81% | -19 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.44% | 0.04% | 0.04% | 0.03% | 0.13% | 0.07% | 0.05% | +1 bps | |
| Allowance / Loans | 1.08% | 0.97% | 0.96% | 0.97% | 0.98% | 0.97% | 0.96% | 0.95% | -2 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.8x | 0.8x | 1.0x | 0.9x | 0.9x | 1.3x | 1.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.19% | 15.81% | 15.61% | 15.99% | 16.08% | 16.12% | 16.09% | 15.81% | -18 bps | |
| Total Risk-Based Capital | 21.61% | 21.47% | 21.38% | 21.22% | 21.79% | 21.63% | 20.00% | 18.88% | -233 bps | |
| Equity / Assets | 15.50% | 15.43% | 15.46% | 15.38% | 15.67% | 15.70% | 15.65% | 15.07% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.60% | 121.51% | 118.30% | 120.45% | 121.40% | 127.47% | 126.95% | 127.26% | +680 bps | |
| Liquid Assets / Assets | 17.36% | 15.46% | 14.67% | 13.48% | 12.71% | 11.42% | 10.56% | 10.57% | -290 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 399% | 414% | 421% | n/a | n/a | |