Ponce Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Ponce Bank, N.A. is an FDIC-insured commercial bank headquartered in Bronx, NY, established in 1960 (FDIC certificate 31189), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.49B, up 10.9% from Q2 2025, the 24th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 17.87% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31189
- Headquarters
- Bronx, NY
- Established
- 1960
- Total assets, Q2 2026
- $3.49B
- Assets vs Q2 2025
- +10.9%
- CET1 ratio, Q2 2026
- 17.87%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 226070131
- Latest call report
- Q2 2026, FFIEC 051 · Ponce Bank, N.A. call report
- Holding company
- PONCE FINANCIAL GROUP, INC.
- Asset rank in state
- 24th of 105 in New York
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%. The figures come from its call report filed with the FFIEC.
Ponce Bank, N.A. ranks as the 24th largest of the 105 banks based in New York, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.9% to $3.49B, loans rose 6.7% and deposits rose 6.5%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 36.3% of total loans, ahead of construction and land development loans at 27.9%. Its 14 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Bronx 5 offices book 72% of its branch deposits. On its Q2 2026 call report, Ponce Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 13 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Ponce Bank, N.A.'s total assets ranged from $2.61B (Q3 2023) to $3.49B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.49B total assets against $3.14B; $2.96B total liabilities against $2.66B.
$2.88B net loans and leases against $2.46B; $2.29B total deposits against $2.07B.
$338.6M securities against $433.6M; $140.3M cash and balances due against $126.9M.
$51.7M total interest income against $45.9M; $21.6M total interest expense against $21.5M.
$30.0M net interest income against $24.4M.
$1.5M total noninterest income against $2.2M; $17.0M total noninterest expense against $16.0M.
$2.1M provision for credit losses against $1.6M.
$9.8M net income against $6.9M.
1.16% return on assets against 0.89%; 3.62% net interest margin against 3.23%.
17.87% CET1 capital ratio against 20.15%; 15.81% tier 1 leverage ratio against 15.99%.
Inside the full Ponce Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 366 of 4,196, for total assets; its furthest is 814 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q4 2024) to 1.34% (Q4 2025) and its net interest margin ran from 2.63% (Q3 2024) to 3.62% (Q2 2026).
| 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
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 54 of 176 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Ponce Bank, N.A. headquartered?
It is headquartered in Bronx, NY, United States.
When was Ponce Bank, N.A. founded?
It was established in 1960, per the FDIC institution directory.
Is Ponce Bank, N.A. FDIC-insured?
Yes. It 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.
What is Ponce Bank, N.A.'s CET1 capital ratio?
It 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?
It operates 13 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?
Its Texas Ratio is 4.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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