The company delivered a strong fourth quarter with improved earnings supported by net interest income growth, higher margins, and disciplined expense management.

In Q3 2025, Ponce Financial delivered higher net income driven by improved net interest margin, stable fee income, and disciplined expense control.

Ponce Financial Group reported a net income available to common stockholders of $2.7 million, or $0.12 per diluted share, for Q4 2024, compared to $0.5 million, or $0.02 per diluted share, for Q4 2023. Net interest income increased by $3.5 million, or 20.54%, compared to the same quarter last year. The company's levels of liquidity and capital remain strong, with loans growing by 20.61% and deposits by 25.02%.

Ponce Financial Group reported a net income available to common stockholders of $2.2 million, or $0.10 per diluted share, for the three months ended September 30, 2024. Net interest income increased by $1.1 million, or 6.25%, from the prior quarter and increased $2.5 million, or 15.00%, from the same quarter last year. Net interest margin was 2.65% for the third quarter of 2024, versus 2.62% for the prior quarter and versus 2.58% for the same quarter last year.

Ponce Financial Group reported a net income available to common stockholders of $3.1 million, or $0.14 per diluted share, for the second quarter of 2024, compared to a net loss of ($0.1) million, or $0.00 per diluted share for the same quarter last year. The increase in net income was primarily driven by higher net interest income, a benefit for credit losses, and reduced non-interest expenses.

Ponce Financial Group reported a net income of $2.4 million for the first quarter of 2024, an increase compared to the previous quarter and the same quarter last year. Net interest income also increased, driven by growth in interest and dividend income.

Ponce Financial Group, Inc. reported a net income of $0.5 million, or $0.02 per diluted share, for the fourth quarter of 2023, compared to a net loss of ($9.2) million, or ($0.40) per diluted share for the same quarter last year. Net interest income increased to $17.2 million, and the net interest margin was 2.66%.

Ponce Financial Group, Inc. announced its participation in a virtual bank conference hosted by Sycamore Analytics and Pendragon Capital Management on November 9, 2023.

Ponce Financial Group, Inc. reported a net loss of ($0.1) million, or $0.00 per diluted share, for the second quarter of 2023. This compares to net income of $0.3 million, or $0.01 per diluted share for the prior quarter, and net income of $0.8 million, or $0.03 per diluted share for the same quarter last year. The results reflect an increase in net interest income, but were offset by increases in provision for credit loss and non-interest expense, as well as a decrease in non-interest income.

Ponce Financial Group, Inc. reported a net income of $0.3 million, or $0.01 per diluted share, for the first quarter of 2023, compared to a net loss of ($6.8) million for the same quarter last year. The increase in net income was attributed to Grain Technology, Inc.'s net provision recovery and recoveries on the micro consumer loan portfolio.

Ponce Financial Group, Inc. reported a net loss of ($9.2) million, or ($0.40) per diluted share, for the fourth quarter of 2022, compared to a net income of $15.0 million, or $0.89 per diluted share for the same quarter last year. The results include a $10.4 million increase in net provision for loan loss reserves related to their Grain-originated microloan portfolio. Net interest income decreased to $16.2 million, and the net interest margin was 2.98%.

Ponce Financial Group, Inc. reported a net loss of ($14.7) million, or ($0.64) per diluted share, for the third quarter of 2022, impacted by $17.5 million of pre-tax charges related to Grain Technologies, Inc. Net interest income increased by $2.1 million from the prior quarter and $2.2 million from the same quarter last year, driven by growth in the securities portfolio.

Ponce Financial Group, Inc. reported a net income of $771,000, or $0.03 per basic and diluted share, for the second quarter of 2022. This compares to a net loss of ($6.8 million) for the prior quarter and a net income of $5.9 million for the second quarter of 2021. The increase from the prior quarter was primarily due to a decrease in non-interest expense, while the decrease from the same quarter last year was due to an increase in non-interest expense and a decrease in non-interest income.

Ponce Financial Group reported a net loss of $6.8 million, or $0.31 per basic and diluted share, for the first quarter of 2022, compared to net income of $15.0 million for the prior quarter and $2.5 million for the same quarter last year. The net loss reflects $13.1 million in one-time pre-tax events, including a $5.0 million contribution to the Ponce De Leon Foundation and an $8.1 million write-off and write-down of the receivable due from Grain Technologies, Inc.

Ponce Financial Group reported a strong fourth quarter in 2021, with net income reaching $15.0 million, or $0.90 per basic share and $0.89 per diluted share. This represents a significant increase compared to both the prior quarter and the same quarter in the previous year. The results were boosted by a net gain of $15.4 million from the sale of real properties and growth in net interest income.