Ponce Financial Group, Inc.

For the period ended Jun 30, 2026. Filed Aug 5, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Aug 5, 2026

PDLB$21.95-0.8%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Consolidated Statements of Operations (Unaudited)

	For the Three Months Ended June 30,		For the Six Months Ended June 30,
	2026	2025	2026	2025
Interest and dividend income:
Interest on loans receivable	$46,835	$40,291	$90,817	$77,427
Interest on deposits due from banks	954	807	1,724	2,475
Interest and dividend on securities and FHLBNY stock	3,863	4,762	7,773	9,955
Total interest and dividend income	51,652	45,860	100,314	89,857
Interest expense:
Interest on certificates of deposit	6,785	7,382	13,200	15,136
Interest on other deposits	9,544	9,058	18,174	17,612
Interest on borrowings	5,262	4,994	10,653	10,480
Total interest expense	21,591	21,434	42,027	43,228
Net interest income	30,061	24,426	58,287	46,629
Provision for credit losses (Note 3) (Note 5)	2,148	1,626	3,804	1,341
Net interest income after provision for credit losses	27,913	22,800	54,483	45,288
Non-interest income:
Service charges and fees	600	511	1,139	1,036
Brokerage commissions	—	—	—	4
Late and prepayment charges	138	530	864	1,227
Income on sale of mortgage loans	161	169	281	317
Income on sale of SBA loans	—	—	—	404
Grant income	—	428	—	428
Other	628	422	1,285	1,025
Total non-interest income	1,527	2,060	3,569	4,441
Non-interest expense:
Compensation and benefits	9,070	7,627	17,733	15,407
Occupancy and equipment	3,901	3,907	7,573	7,820
Data processing expenses	1,195	1,188	2,414	2,340
Direct loan expenses	187	241	308	629
Insurance and surety bond premiums	332	297	665	612
Office supplies, telephone and postage	152	174	345	344
Professional fees	1,470	1,367	2,816	2,731
Marketing and promotional expenses	190	266	418	349
Federal deposit insurance and regulatory assessment	408	546	817	1,007
Other operating expenses	1,230	1,256	2,286	2,518
Total non-interest expense	18,135	16,869	35,375	33,757
Income before income taxes	11,305	7,991	22,677	15,972
Provision for income taxes	2,810	1,891	5,559	3,913
Net income	$8,495	$6,100	$17,118	$12,059
Dividends on preferred shares	282	282	563	563
Net income available to common stockholders	$8,213	$5,818	$16,555	$11,496
Earnings per common share (Note 9):
Basic	$0.36	$0.26	$0.72	$0.51
Diluted	$0.35	$0.25	$0.71	$0.50
Weighted average common shares outstanding (Note 9):
Basic	23,053,460	22,716,615	23,021,069	22,689,914
Diluted	23,508,153	22,947,769	23,419,915	22,920,841

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.