Ponce Financial Group, Inc.

For the period ended Sep 30, 2026. Filed Nov 4, 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.

Sep 30, 2026 · Filed Nov 4, 2026

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

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Consolidated Statements of Operations (Unaudited)

	For the Three Months Ended September 30,		For the Nine Months Ended September 30,
	2026	2025	2026	2025
Interest and dividend income:
Interest on loans receivable	$52,910	$41,486	$143,727	$118,913
Interest on deposits due from banks	901	978	2,625	3,453
Interest and dividend on securities and FHLBNY stock	3,693	4,383	11,466	14,338
Total interest and dividend income	57,504	46,847	157,818	136,704
Interest expense:
Interest on certificates of deposit	7,313	6,553	20,513	21,689
Interest on other deposits	10,430	9,996	28,604	27,608
Interest on borrowings	5,772	5,050	16,425	15,530
Total interest expense	23,515	21,599	65,542	64,827
Net interest income	33,989	25,248	92,276	71,877
Provision for credit losses (Note 3) (Note 5)	3,219	1,364	7,023	2,705
Net interest income after provision for credit losses	30,770	23,884	85,253	69,172
Non-interest income:
Service charges and fees	611	539	1,750	1,575
Brokerage commissions	—	8	—	12
Late and prepayment charges	232	385	1,096	1,612
Income on sale of mortgage loans	188	166	469	483
Income on sale of SBA loans	—	—	—	404
Grant income	—	429	—	857
Loss on real property held for sale	(1,166)	—	(1,166)	—
Other	985	(35)	2,270	990
Total non-interest income	850	1,492	4,419	5,933
Non-interest expense:
Compensation and benefits	10,509	7,868	28,242	23,275
Occupancy and equipment	3,879	3,934	11,452	11,754
Data processing expenses	1,202	1,296	3,616	3,636
Direct loan expenses	89	155	397	784
Insurance and surety bond premiums	332	318	997	930
Office supplies, telephone and postage	147	170	492	514
Professional fees	1,305	1,409	4,121	4,140
Marketing and promotional expenses	144	184	562	533
Federal deposit insurance and regulatory assessment	495	266	1,312	1,273
Other operating expenses	1,134	1,018	3,420	3,536
Total non-interest expense	19,236	16,618	54,611	50,375
Income before income taxes	12,384	8,758	35,061	24,730
(Benefit) provision for income taxes	(5,865)	2,250	(306)	6,163
Net income	$18,249	$6,508	$35,367	$18,567
Dividends on preferred shares	281	281	844	844
Net income available to common stockholders	$17,968	$6,227	$34,523	$17,723
Earnings per common share (Note 9):
Basic	$0.78	$0.27	$1.50	$0.78
Diluted	$0.76	$0.27	$1.47	$0.77
Weighted average common shares outstanding (Note 9):
Basic	23,086,892	22,766,195	23,043,250	22,715,620
Diluted	23,650,370	23,135,448	23,496,728	22,992,655

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