PONCE BANK, NATIONAL ASSOCIATION

BRONX, NY | Large | Est. March 31, 1960, midnight | FDIC #31189 | RSSD #897170 | OCC
Latest Report: 2025-12-31

PONCE BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in BRONX, NY, established in March 31, 1960, midnight. As of 2025-12-31, the bank reported total assets of $3.2B and total deposits of $2.1B. Profitability stands at 1.35% ROA and 8.59% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 20.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.02% and a Texas Ratio of 5.07%. FDIC Certificate #31189.

Assets

$3.2B

Deposits

$2.1B

Loans

$2.6B

Equity

$505M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 8.59%
Net Interest Margin (NIM) 3.81%
Yield on Assets 6.68%
Cost of Funds 3.53%

Asset Quality

NPL Ratio 1.02%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.07%
NPA Ratio 0.84%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 20.53%
Tier 1 Capital 20.53%
Total Capital Ratio 21.63%
Leverage Ratio 16.12%
Loan-to-Deposit 127.47%

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