Ponce Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Ponce Bank, N.A. pays more for its money than most banks of its size. The Bronx, New York bank had $3.5 billion in assets at June 30, 2026, up 10.9% from a year earlier. It pays an average of 3.07% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it funds 15.81% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $9.8 million, 42% above the same quarter a year earlier. Over the same year, loans grew 17.0% and deposits grew 10.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 4.2 times its capital, about double the median of 2.2 times for banks its size.
As of June 30, 2026, Ponce Bank, N.A. reported a CET1 capital ratio of 17.87%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 4.26%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2244 Westchester Ave, Bronx, NY 10462
- County
- Bronx
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 31, 1960
- Former names
- Ponce Bank (2017-2025); Ponce De Leon Federal Bank (1997-2017); Ponce De Leon Federal Savings Bank (1985-1997)
- Offices
- 14 domestic
- Employees (FTE)
- 229
- Domestic deposits
- $2.29B
- Allowance for credit losses
- $27.6M
- Net charge-offs (YTD)
- $857K
- Average total assets
- $3.39B
- Average total loans
- $2.80B
- Average interest-bearing deposits
- $1.97B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31189
- Fed RSSD
- 897170
- SEC CIK
- 1874071 → filed by PONCE FINANCIAL GROUP, INC.
- Website
- www.poncebank.com →
- Parent Holding Company
- PONCE FINANCIAL GROUP, INC. (RSSD 5653018) · PDLB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Carlos P Naudon | CEO | President & CEO |
| Steven Tsavaris | CHR | Executive Chairman |
| Vaccaro Sergio Javier | CFO | Chief Financial Officer |
| Gonzalez Luis Gerardo Jr. | COO | Chief Operating Officer |
| Elizabeth Macias | CIO | EVP/Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ponce Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ponce Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Ponce Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.87% | 1.16% | 0.81% | 4.26% | 3.62% |
| Q1 2026 | 18.97% | 1.15% | 0.75% | 3.77% | 3.54% |
| Q4 2025 | 20.53% | 1.34% | 1.02% | 5.07% | 3.58% |
| Q3 2025 | 20.66% | 0.92% | 1.11% | 5.39% | 3.29% |
| Q2 2025 | 20.15% | 0.89% | 1.00% | 4.88% | 3.23% |
| Q1 2025 | 20.35% | 0.84% | 1.14% | 5.47% | 2.91% |
| Q4 2024 | 20.40% | 0.47% | 1.18% | 5.59% | 2.78% |
| Q3 2024 | 20.45% | 0.48% | 0.78% | 3.51% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ponce Bank, N.A. (main office) | Bronx , NY | 10462 | $1.30B |
| Westchester Avenue Branch | Bronx , NY | 10462 | $153.6M |
| Forest Hills Branch | Forest Hills , NY | 11375 | $97.6M |
| Astoria Branch | Astoria , NY | 11106 | $93.4M |
| Riverdale Branch | Bronx , NY | 10463 | $80.3M |
| Union City Branch | Union City , NJ | 07087 | $79.8M |
| Jackson Heights, Queens Branch | Jackson Heights , NY | 11372 | $73.9M |
| Flatlands Branch | Brooklyn , NY | 11234 | $73.8M |
| Southern Boulevard Branch | Bronx , NY | 10459 | $65.0M |
| Bensonhurst Branch | Brooklyn , NY | 11214 | $63.8M |
| Jerome Avenue Branch | Bronx , NY | 10452 | $58.5M |
| Inwood Branch | New York , NY | 10034 | $56.7M |
| Manhattan Branch | New York , NY | 10029 | $52.3M |
| Brooklyn Branch | Brooklyn , NY | 11201 | $38.4M |
Regulatory record
What the public regulatory sources show for Ponce Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 54 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 132 applications, 88 loans originated, $111.7M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $23.6M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Ponce Bank, N.A.
What are Ponce Bank, N.A.'s total assets?
As of the Q2 2026 filing, Ponce Bank, N.A. reported total assets of $3.49 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ponce Bank, N.A. headquartered?
Ponce Bank, N.A. is headquartered in Bronx, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Ponce Bank, N.A. founded?
Ponce Bank, N.A. was established in 1960, per the FDIC institution directory.
Is Ponce Bank, N.A. FDIC-insured?
Yes. Ponce Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #31189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ponce Bank, N.A.?
Ponce Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ponce Bank, N.A.'s CET1 capital ratio?
Ponce Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 17.87% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ponce Bank, N.A. operate?
Ponce Bank, N.A. operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ponce Bank, N.A.'s Texas Ratio?
Ponce Bank, N.A.'s Texas Ratio is 4.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Ponce Bank, N.A. previously called?
The charter now named Ponce Bank, N.A. has also operated as Ponce Bank (2017-2025), Ponce De Leon Federal Bank (1997-2017), Ponce De Leon Federal Savings Bank (1985-1997), per FDIC structure-change records.
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