Welcome to our dedicated page for PONCE FINANCIAL GROUP SEC filings (Ticker: PDLB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Ponce Financial Group, Inc. (NASDAQ: PDLB) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a public financial holding company and bank holding company. Through these documents, investors can review how Ponce Financial Group reports the performance and condition of its primary asset, Ponce Bank, N.A., a savings institution with a focus on mortgage lending, business and consumer loans, and investment securities.
Key filings include periodic reports and current reports on Form 8-K. For example, Ponce Financial Group files 8-Ks to furnish press releases announcing quarterly financial results, summarizing metrics such as net income, net interest income, net interest margin, loan and deposit balances, non-interest income and expense, and asset quality ratios. The company also uses Form 8-K to report significant events, such as the conversion of Ponce Bank to a national bank and the company’s commencement of operations as a bank holding company and financial holding company.
These filings offer detail on topics that matter to bank investors, including capital ratios, allowance for credit losses, non-performing assets, and the composition of loans and securities. They also describe Ponce Bank’s status as a Minority Depository Institution, Community Development Financial Institution, and SBA lender, as well as its participation in programs like the U.S. Treasury’s Emergency Capital Investment Program.
On Stock Titan, PDLB filings are updated as they are released to the SEC’s EDGAR system. Users can review individual documents, track changes across reporting periods, and focus on items such as 8-K disclosures related to results of operations or other material events. AI-powered summaries help explain complex sections of lengthy filings, highlight key figures and trends, and point out changes in capital, asset quality, or regulatory status, making it easier to interpret Ponce Financial Group’s regulatory reporting.
Ponce Bank Employees Stock Ownership Plan, with Pentegra Trust Company as trustee, reported beneficial ownership of 1,873,224 shares of Ponce Financial Group common stock, representing 7.7% of the class based on 24,187,901 shares outstanding as of March 31, 2026. The trustee holds sole voting power of 1,168,244 shares and shared voting power of 704,980. The filing is an Amendment No. 4 to the Schedule 13G and is signed by Paula Edmonds, Senior Vice President, dated 05/07/2026.
Ponce Financial Group, Inc. reported stronger results for the quarter ended March 31, 2026. Net income rose to $8.6M from $6.0M a year earlier, with net income available to common stockholders of $8.3M. Basic and diluted earnings per common share increased to $0.36 from $0.25.
Total assets reached $3.30B, driven mainly by loan growth, as loans receivable, net, increased to $2.70B. Deposits grew to $2.13B, while Federal Home Loan Bank advances stood at $571.1M. Net interest income improved to $28.2M, supported by higher interest on loans receivable.
Credit quality metrics remained controlled. The allowance for credit losses on loans was $26.2M, up from $25.4M, and nonaccrual loans totaled $20.4M, down from $26.9M at year-end 2025. The company also continues to carry $225.0M of ECIP preferred stock paying a current 0.5% dividend rate.
Ponce Financial Group, Inc. reported stronger year-over-year earnings for the first quarter of 2026 while seeing a modest decline versus the prior quarter. Net income available to common stockholders was $8.3 million, or $0.36 diluted EPS, compared with $5.7 million, or $0.25, a year earlier and $9.9 million, or $0.42, in the prior quarter. Net interest income rose to $28.2 million, up 27.13% year-over-year, and net interest margin improved to 3.61% from 2.98%, reflecting higher spreads on earning assets and lower interest expense. Non-interest income fell to $2.0 million, driven by lower other income, grant income recognized last quarter, and reduced late and prepayment charges. Loans grew to $2.70 billion and deposits to $2.13 billion, with total assets reaching $3.30 billion. Asset quality improved as total non-performing assets and accruing modifications declined to $23.6 million, or 0.62% of total assets, while the allowance for credit losses on loans increased to $26.2 million. Capital ratios at both the holding company and bank remained well above regulatory requirements, and book value per common share rose to $13.49.
Ponce Financial Group, Inc. is asking stockholders to vote at its 2026 virtual-only Annual Meeting on June 11, 2026. Stockholders will elect three directors for terms expiring in 2029, ratify Forvis Mazars, LLP as independent auditor for 2026, and approve, on an advisory basis, executive compensation (say‑on‑pay).
Only holders of common stock at the close of business on April 15, 2026 may vote; there were 24,187,901 shares outstanding as of that date. Significant holders above 5% include T. Rowe Price Associates, M3 Funds, the Ponce Bank Employee Stock Ownership Plan, BlackRock, and the Ponce De Leon Foundation. The proxy also details board independence, committee structures, and 2024–2025 compensation for senior executives including Executive Chairman Steven A. Tsavaris, President and CEO Carlos P. Naudon, and CFO Sergio J. Vaccaro.
Ponce Financial Group director Marlene Cintron reported her equity holdings and awards in an amended Form 3. She holds non-premium stock options on 15,000 shares of common stock at an exercise price of $14.39 per share, expiring on October 22, 2036.
She also holds five premium stock option grants covering 3,000 underlying shares each, with exercise prices ranging from $15.83 to $16.98 per share, all expiring on October 22, 2036. These stock options vest annually at a rate of 20% commencing on October 23, 2026. In addition, she owns 3,000 shares of common stock directly and 500 shares indirectly through an IRA.
Ponce Financial Group director Marlene Cintron filed an initial ownership report showing existing equity awards and shares. The filing lists Non-Premium stock options tied to 15,000 shares of common stock at an exercise price of $14.39 per share, plus several Premium stock option grants for 3,000 underlying shares each with exercise prices from $15.83 to $16.98. These options vest at a 20% annual rate beginning on October 23, 2026 and expire in 2036. Cintron also directly holds 3,000 shares of common stock.
Ponce Financial Group, Inc. appointed Marlene Cintron to its Board of Directors, effective March 26, 2026. She will serve until the 2026 annual meeting, when she is expected to stand for election to a three-year term ending in 2029.
Cintron will join the Board’s Audit Committee and Executive Compensation Committee. She has outstanding loans with Ponce Bank, N.A. made in the ordinary course of business on terms comparable to non-related borrowers. As a non-employee director, she will receive an annual fee of $48,000 plus $500 per committee meeting and may receive equity awards under the 2023 Long-Term Incentive Plan.
The accompanying press release highlights her long career in economic development, public policy, and community advocacy, including leadership roles in Bronx economic development and service as U.S. Small Business Administration Region 2 Administrator.
Ponce Financial Group, parent of Ponce Bank, is a minority depository and community development institution focused on real estate lending in the New York City metro area and nearby New Jersey, with 216 full-time equivalent employees.
Total gross loans reached $2.62 billion at December 31, 2025, up from $2.31 billion a year earlier. The portfolio is heavily concentrated in construction and land loans of $854.1 million (32.5%), multifamily loans of $756.5 million (28.8%) and nonresidential properties of $526.2 million (20.0%), with smaller exposures to one‑to‑four family investor and owner‑occupied mortgages and modest business and consumer loans.
Nonperforming loans were $26.9 million, equal to 1.02% of total loans, while the allowance for credit losses was $25.4 million, or 0.97% of total loans and 94.74% of nonperforming loans. Classified and special mention loans totaled $54.1 million. Securities holdings consisted mainly of agency mortgage‑backed securities and corporate bonds, with $105.9 million available‑for‑sale and $273.0 million held‑to‑maturity. Common equity held by non‑affiliates was valued at $311.9 million as of June 30, 2025, and 24,156,831 common shares were outstanding as of March 11, 2026.
T. Rowe Price Investment Management, Inc. filed an amended Schedule 13G reporting beneficial ownership of 1,896,773 shares of Ponce Financial Group common stock, representing 7.9% of the class as of December 31, 2025.
The firm has sole voting and sole dispositive power over these shares. It certifies that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of Ponce Financial Group.