Ponce Financial Group, Inc.
For the period ended Sep 30, 2026. Filed Nov 4, 2026.
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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.
Sep 30, 2026 · Filed Nov 4, 2026
PDLB$21.95-0.8%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Financial Condition (Unaudited)
September 30, 2026 and December 31, 2025
| September 30, | December 31, | |
|---|---|---|
| 2026 | 2025 | |
| (unaudited) | ||
| ASSETS | ||
| Cash and due from banks: | ||
| Cash | $27,725 | $28,511 |
| Interest-bearing deposits | 104,486 | 97,643 |
| Total cash and cash equivalents | 132,211 | 126,154 |
| Available-for-sale securities, at fair value (Note 3) | 79,475 | 92,196 |
| Held-to-maturity securities, net of allowance for credit losses of $206 at September 30, 2026 and $236 at December 31, 2025; at amortized cost (fair value of $228,857 at September 30, 2026 and $268,875 at December 31, 2025) (Note 3) | 241,176 | 272,982 |
| Placement with banks | 249 | 249 |
| Mortgage loans held for sale, at fair value (Note 4) | 3,701 | 3,388 |
| Loans receivable, net of allowance for credit losses of $29,168 at September 30, 2026 and $25,449 at December 31, 2025 (Note 5) | 3,081,101 | 2,599,258 |
| Accrued interest receivable | 21,624 | 17,905 |
| Premises and equipment, net | 10,924 | 15,638 |
| Right of use assets (Note 6) | 26,331 | 27,583 |
| Federal Home Loan Bank of New York (FHLBNY) stock, at cost | 34,064 | 29,309 |
| Federal Reserve Bank of New York (FRBNY) stock, at cost | 10,725 | 10,698 |
| Deferred tax assets | 25,770 | 11,501 |
| Other assets | 19,326 | 17,109 |
| Total assets | $3,686,677 | $3,223,970 |
| LIABILITIES AND STOCKHOLDERS' EQUITY | ||
| Liabilities: | ||
| Deposits (Note 7) | $2,367,708 | $2,046,635 |
| Borrowings (Note 8) | 696,100 | 596,100 |
| Operating lease liabilities | 28,171 | 29,353 |
| Accrued interest payable | 3,862 | 3,788 |
| Other liabilities | 12,576 | 6,545 |
| Total liabilities | 3,108,417 | 2,682,421 |
| Commitments and contingencies (Note 10) | ||
| Stockholders' Equity: | ||
| Preferred stock, $0.01 par value; 100,000,000 shares authorized: | ||
| Series A, senior non-cumulative perpetual, $1,000 per share liquidation preference, 225,000 shares issued and outstanding as of September 30, 2026 and December 31, 2025 | 225,000 | 225,000 |
| Common stock, $0.01 par value; 200,000,000 shares authorized; 24,886,711 shares issued at both September 30, 2026 and December 31, 2025; 24,187,901 shares outstanding as of September 30, 2026 and 24,135,926 shares outstanding as of December 31, 2025 | 249 | 249 |
| Treasury stock, at cost; 698,810 shares as of September 30, 2026 and 750,785 shares as of December 31, 2025 | (5,738) | (6,164) |
| Additional paid-in-capital | 211,317 | 208,604 |
| Retained earnings | 169,855 | 135,332 |
| Accumulated other comprehensive loss (Note 13) | (12,645) | (10,820) |
| Unearned compensation ─ ESOP; 1,067,936 shares as of September 30, 2026 and 1,168,244 shares as of December 31, 2025 | (9,778) | (10,652) |
| Total stockholders' equity | 578,260 | 541,549 |
| Total liabilities and stockholders' equity | $3,686,677 | $3,223,970 |
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