← Ponce Financial Group, Inc.
| Annual Trend | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|---|
| Loans receivable, net of allowance for credit losses of $25,449 and $22,502 at December 31, 2025 and 2024, respectively (Note 5) | — | — | — | $1.9b | $2.3b | $2.6b | |
| Accrued interest receivable | $11.4m | $12.4m | $15.0m | $18.0m | $17.8m | $17.9m | |
| Total cash and cash equivalents | $72.1m | $153.9m | $54.4m | $139.2m | $139.8m | $126.2m | |
| Right of use assets (Note 7) | — | — | $33.4m | $31.3m | $29.1m | $27.6m | |
| Other assets | $12.6m | $20.1m | $14.0m | $24.7m | $24.7m | $17.1m | |
| Cash | $26.9m | $99.0m | $34.1m | $28.9m | $35.5m | $28.5m | |
| Interest-bearing deposits | $45.1m | $54.9m | $20.3m | $110.3m | $104.4m | $97.6m | |
| Available-for-sale securities, at fair value (Note 3) | $17.5m | $113.3m | $129.5m | $119.9m | $105.0m | $92.2m | |
| Held-to-maturity securities, net of allowance for credit losses of $236 and $216 at December 31, 2025 and 2024, respectively; at amortized cost (fair value 2025 $268,875; 2024 $355,294) (Note 3) | — | — | — | $461.7m | $367.9m | $273.0m | |
| Placements with banks | $2.7m | $2.5m | $1.5m | $249k | $249k | $249k | |
| Mortgage loans held for sale, at fair value (Note 4) | $35.4m | $15.8m | $2.0m | $10.0m | $10.7m | $3.4m | |
| Premises and equipment, net (Note 6) | $32.0m | $19.6m | $17.4m | $16.1m | $16.8m | $15.6m | |
| Federal Home Loan Bank of New York (FHLBNY) stock, at cost | $6.4m | $6.0m | $24.7m | $19.4m | $29.2m | $29.3m | |
| Federal Reserve Bank of New York (FRBNY) stock, at cost | — | — | — | — | $0 | $10.7m | |
| Deferred tax assets (Note 10) | $4.7m | $3.8m | $16.1m | $14.3m | $12.1m | $11.5m | |
| Deposits (Note 8) | $1.0b | $1.2b | $1.3b | $1.5b | $1.9b | $2.0b | |
| Borrowings (Note 9) | — | — | $517.4m | $684.4m | $596.1m | $596.1m | |
| Operating lease liabilities | — | — | $34.5m | $32.7m | $30.7m | $29.4m | |
| Other liabilities | $10.3m | $8.3m | $3.9m | $11.9m | $8.7m | $6.5m | |
| Unearned Employee Stock Ownership Plan (ESOP); 1,168,244 and 1,301,988 shares as of December 31, 2025 and 2024, respectively (Note 11) | ($5.3m) | ($4.3m) | ($14.2m) | ($13.0m) | ($11.8m) | ($10.7m) | |
| Total assets | $1.4b | $1.7b | $2.3b | $2.8b | $3.0b | $3.2b | |
| Total liabilities and stockholders' equity | $1.4b | $1.7b | $2.3b | $2.8b | $3.0b | $3.2b | |
| Accrued interest payable | $60k | $228k | $1.4m | $12.0m | $3.7m | $3.8m | |
| Total liabilities | $1.2b | $1.5b | $1.8b | $2.3b | $2.5b | $2.7b | |
| 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 December 31, 2025 and 2024 | — | — | 225.0m | 225.0m | 225.0m | 225.0m | |
| Common stock, $0.01 par value; 200,000,000 shares authorized; 24,886,711 shares issued at both December 31, 2025 and 2024; 24,135,926 and 23,961,214 shares outstanding as of December 31, 2025 and 2024, respectively | 185k | 185k | 249k | 249k | 249k | 249k | |
| Treasury stock, at cost; 750,785 and 925,497shares as of December 31, 2025 and 2024, respectively (Note 11) | ($18.1m) | ($13.7m) | ($2k) | ($9.7m) | ($7.7m) | ($6.2m) | |
| Additional paid-in-capital | $85.1m | $85.6m | $206.5m | $207.1m | $207.3m | $208.6m | |
| Retained earnings | $97.5m | $123.0m | $93.0m | $97.4m | $107.8m | $135.3m | |
| Accumulated other comprehensive loss (Note 16) | $135k | ($1.5m) | ($17.9m) | ($15.6m) | ($15.3m) | ($10.8m) | |
| Total stockholders' equity | $159.5m | $189.3m | $492.7m | $491.4m | $505.5m | $541.5m |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.