BanksPONCE BANK, NATIONAL ASSOCIATION

PONCE BANK, NATIONAL ASSOCIATION

BRONX, NYLargeEst. March 31, 1960, midnightFDIC #31189RSSD #897170OCC
Latest · 2025-12-31

PONCE BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 20.53%, well above regulatory minimums. NPL ratio: 1.02% · Texas Ratio: 5.07%. Operates 14 domestic branches.

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 Margin3.81%
Yield on Assets6.68%
Cost of Funds3.17%

Asset Quality

NPL Ratio1.02%
Net Charge-Off Ratio0.06%
Texas Ratio5.07%
NPA Ratio0.84%
ACL / Loans0.97%

Capital & Liquidity

CET1 Ratio20.53%
Tier 1 Capital20.53%
Total Capital Ratio21.63%
Leverage Ratio16.12%
Loan-to-Deposit127.47%

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