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Bank call report · Bronx, NY

Ponce Bank, N.A. Call Report

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Ponce Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 351 reported line items, schedule by schedule (724 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Ponce Bank, N.A. call report filing details
Call report formFFIEC 051
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID897170
FDIC certificate number31189
Total assets$3.49B

Official Q2 2026 call report PDF (FFIEC) →

Ponce Bank, N.A. call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.

Schedule RC: Balance Sheet (27 items)

About Schedule RC · Ponce Bank, N.A. balance sheet trends

Ponce Bank, N.A. Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $3.49B
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $3.49B
Total Liabilities and Minority Interest RCON2948 $2.96B
Loans and Leases, Net of Unearned Income - Totals RCONB528 $2.91B
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $2.88B
Total Deposits RCON2200 $2.29B
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $2.02B
Other Borrowed Money RCON3190 $632.2M
Total Equity Capital RCON3210 $525.3M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $525.3M
Surplus RCON3839 $357.5M
Deposits: Noninterest-bearing RCON6631 $267.6M
Held-to-maturity Securities, Total RCON1754 $253.8M
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $253.6M
Undivided Profits and Capital Reserves RCON3632 $188.6M
Interest-bearing Balances RCON0071 $114.7M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $84.8M
Other Assets RCON2160 $81.8M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $41.7M
Other Liabilities, Total RCON2930 $40.5M
Allowance for Loan and Lease Losses RCON3123 $27.6M
Noninterest-bearing Balances and Currency and Coin RCON0081 $25.6M
Accumulated Other Comprehensive Income RCONB530 -$10.7M
Other Components of Equity Capital RCONA130 -$10.1M
Loans and Leases Held for Sale RCON5369 $3.0M
Intangible Assets RCON2143 $94K
Common Stock RCON3230 $34K
Schedule RI: Income Statement (37 items)

About Schedule RI · Ponce Bank, N.A. income statement trends

Ponce Bank, N.A. Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $100.3M
Interest and Fee Income on Loans, Total RIAD4010 $90.8M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $73.6M
Net Interest Income RIAD4074 $58.2M
Total Interest Expense RIAD4073 $42.1M
Total Noninterest Expense RIAD4093 $33.4M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $25.0M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $24.5M
Income (Loss) Before Discontinued Operations RIAD4300 $19.1M
Net Income (Loss) RIAD4340 $19.1M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $19.1M
Savings Deposits (Including Mmdas) RIAD0093 $17.9M
Salaries and Employee Benefits RIAD4135 $16.4M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $13.4M
Other Interest Expense RIADGW44 $10.8M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $9.8M
Other Noninterest Expense RIAD4092 $9.4M
Expenses of Premises and Fixed Assets RIAD4217 $7.5M
Applicable Income Taxes RIAD4302 $5.9M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $5.6M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $3.8M
Provisions for Credit Losses on Financial Assets RIADJJ33 $3.8M
Total Noninterest Income RIAD4079 $3.5M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $3.4M
Provision for Loan and Lease Losses RIAD4230 $3.0M
Other Noninterest Income RIADB497 $2.0M
Interest Income on Balances Due from Depository Institutions RIAD4115 $1.7M
Other Interest Income RIAD4518 $1.4M
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $1.2M
Interest on Other Securities RIAD4060 $538K
Unrealized holding gains (losses) on equity securities not held for trading RIADHT70 $534K
Net Gains (Losses) on Sales of Loans RIAD5416 $281K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $252K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $244K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $24K
Net Gains (Losses) on Sales of Other Assets (Excluding Securities) RIADB496 -$3K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 229
Schedule RC-B: Securities (32 items)

About Schedule RC-B · Ponce Bank, N.A. securities trends

Ponce Bank, N.A. Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $25.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $20.6M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost RCONG312 $114.4M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value RCONG313 $112.1M
Total Fair Value of Held-to-maturity Securities RCON1771 $247.0M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $126.2M
Total Amortized Cost of Available-for-sale Securities RCON1772 $98.4M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost RCONHT54 $85.5M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value RCONHT55 $83.0M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $73.9M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost RCONHT56 $55.6M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value RCONHT57 $47.2M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $46.4M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost RCONK150 $33.6M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $33.0M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value RCONK151 $31.6M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $23.5M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less RCONA549 $16.3M
Amortized Cost of Other Available-for-sale Domestic Debt Securities RCON1739 $13.5M
Fair Value of Other Available-for-sale Domestic Debt Securities RCON1741 $13.1M
US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value RCONHT51 $10.4M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA550 $10.4M
US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost RCONHT50 $10.4M
Amortized Cost of Other Held-to-maturity Domestic Debt Securities RCON1737 $7.5M
Fair Value of Other Held-to-maturity Domestic Debt Securities RCON1738 $7.4M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA551 $6.6M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK152 $4.2M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK153 $3.8M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost RCONK142 $2.4M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value RCONK143 $2.4M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA556 $2.2M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONA555 $72K
Schedule RC-C, Part I: Loans and Leases (35 items)

About Schedule RC-C, Part I · Ponce Bank, N.A. loans and leases trends

Ponce Bank, N.A. Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $2.91B
Pledged Loans and Leases RCONG378 $1.32B
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $1.13B
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $1.06B
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $857.7M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $808.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $661.4M
Construction, Land Development, and Other Land Loans in Domestic Offices with Interest Reserves: Amount of Loans That Provide for the Use of Interest Reserves (Included in Scheduled Rc-c, Part I, Item 1.A., Column B) RCONG376 $624.2M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $473.0M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $439.6M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $424.9M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $369.7M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $349.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $170.1M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $136.2M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $111.3M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $92.4M
Commercial and Industrial Loans RCON1766 $72.4M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $62.9M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $28.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $11.3M
Construction, Land Development, and Other Land Loans in Domestic Offices with Interest Reserves: Amount of Interest Capitalized from Interest Reserves on Construction, Land Development, and Other Land Loans That Is Included in Interest and Fee Income on Loans During the Quarter (Included in Schedule Ri, Item 1.A.(1)(A)(2)) RIADG377 $10.4M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $5.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $5.1M
Loans Secured by 1-4 Family Residential Construction RCONF158 $4.8M
Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) RCONF577 $3.3M
Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONHK25 $3.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $3.1M
Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices RCONF576 $2.5M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $554K
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties RCONK161 $319K
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties RCONK162 $299K
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $242K
Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans RCONK256 $175K
Other Loans RCONJ464 $81K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)

About Schedule RC-C, Part II

Ponce Bank, N.A. Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $48.6M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $14.0M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $2.5M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $1.4M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $1.1M
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 122
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 99
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 47
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 20
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 9
Schedule RC-E: Deposit Liabilities (33 items)

About Schedule RC-E · Ponce Bank, N.A. deposit liabilities trends

Ponce Bank, N.A. Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $1.94B
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $1.59B
Money Market Deposit Accounts (Mmda's) RCON6810 $1.08B
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $424.4M
Total Transaction Accounts RCON2215 $346.9M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $342.4M
Total Demand Deposits (See Note Below) RCON2210 $323.7M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $301.2M
Total reciprocal deposits RCONJH83 $283.8M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $252.2M
Total Time Deposits of Less Than $100,000 RCON6648 $248.6M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $195.2M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $189.0M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $172.1M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $165.3M
Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. RCONB552 $156.3M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) RCONHK05 $144.7M
Total Brokered Deposits RCON2365 $144.7M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $120.8M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $120.1M
Sweep deposits: Fully insured, non-affiliate sweep deposits RCONMT91 $101.4M
Total sweep deposits that are not brokered deposits RCONMT95 $101.4M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $100.2M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $65.1M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK06 $23.8M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $22.9M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $21.2M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $7.4M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $5.4M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $2.7M
Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. RCONB551 $1.8M
Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits RCONK223 $994K
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK15 $771K
Schedule RC-F: Other Assets (5 items)

About Schedule RC-F

Ponce Bank, N.A. Schedule RC-F, Q2 2026
Line item Code Q2 2026
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $45.8M
Accrued Interest Receivable RCONB556 $19.9M
Net Deferred Tax Assets RCON2148 $12.3M
Other Assets RCON2168 $3.7M
Prepaid Expenses RCON2166 $3.0M
Schedule RC-G: Other Liabilities (5 items)

About Schedule RC-G

Ponce Bank, N.A. Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCON2938 $30.4M
Operating lease liabilities RCONLB56 $28.9M
Other Expenses Accrued and Unpaid RCON3646 $5.0M
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $3.0M
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $2.1M
Schedule RC-K: Quarterly Averages (15 items)

About Schedule RC-K · Ponce Bank, N.A. quarterly averages trends

Ponce Bank, N.A. Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $3.39B
Quarterly Average of Total Loans RCON3360 $2.80B
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $2.29B
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $1.15B
Quarterly Average of Other Borrowed Money RCON3355 $586.6M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $553.9M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $431.5M
Mortgage-backed Securities RCONB559 $328.0M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $190.4M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $107.7M
Quarterly Average of Commercial and Industrial Loans RCON3387 $79.7M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $75.6M
All Other Securities RCONB560 $20.8M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $10.6M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $558K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)

About Schedule RC-L · Ponce Bank, N.A. derivatives and off-balance-sheet items trends

Ponce Bank, N.A. Schedule RC-L, Q2 2026
Line item Code Q2 2026
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $480.3M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $78.6M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $35.2M
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $9.6M
1-4 Family Residential Construction Loan Commitments RCONF164 $3.3M
Performance Standby Letters of Credit RCON3821 $10K
Schedule RC-M: Memoranda (10 items)

About Schedule RC-M · Ponce Bank, N.A. memoranda trends

Ponce Bank, N.A. Schedule RC-M, Q2 2026
Line item Code Q2 2026
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONF056 $342.1M
FHLB Advances (Loans) Due in One Year or Less RCON2651 $229.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less RCONF055 $229.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years RCONF057 $50.0M
Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years RCONF063 $11.1M
Secured Liabilities: Amount of 'Other Borrowings' That Are Secured RCONF065 $11.1M
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $6.5M
All other intangible assets RCONJF76 $94K
Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? RCONL133 1
Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations RCON6165 1
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)

About Schedule RC-N · Ponce Bank, N.A. past due and nonaccrual loans, leases, and other assets trends

Ponce Bank, N.A. Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $23.6M
Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual RCON3501 $12.1M
Additions to Nonaccrual Assets RCONC410 $11.0M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $5.9M
Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual RCONF177 $5.0M
Nonaccrual Assets Sold During the Quarter RCONC411 $4.3M
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $3.0M
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $1.7M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $875K
Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual RCONF663 $475K
Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual RCONHK28 $475K
Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due RCONF179 $460K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual RCON5400 $405K
Commercial and Industrial Loans - Nonaccrual RCON1608 $77K
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)

About Schedule RC-O · Ponce Bank, N.A. other data for deposit insurance assessments trends

Ponce Bank, N.A. Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $3.39B
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $2.29B
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $1.35B
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $921.3M
Average Tangible Equity for the Calendar Quarter RCONK654 $532.2M
Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid RCON5597 $459.4M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $19.3M
Holdings of Long-term Unsecured Debt Issued by Other FDIC Insured Institutions RCONK655 $7.5M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $1.9M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 45,125
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 850
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 708
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 5
Averaging Method Used RCONK653 1
Schedule RC-R: Regulatory Capital (1 item)

About Schedule RC-R · Ponce Bank, N.A. regulatory capital trends

Ponce Bank, N.A. Schedule RC-R, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% RCONB704 $3.00B
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)

About Schedule RC-R, Part I · Ponce Bank, N.A. regulatory capital components and ratios trends

Ponce Bank, N.A. Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average total consolidated assets RCOAKW03 $3.39B
Average Total Assets (Net of Deductions) RCOAA224 $3.39B
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $3.00B
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $566.4M
Common Equity Tier 1 Capital RCOAP859 $535.9M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $535.9M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $535.9M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $525.3M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $347.4M
Retained Earnings RCOAKW00 $188.6M
General Loan and Lease Valuation Allowances RCOA5310 $30.5M
Tier 2 (Supplementary) Capital RCOA5311 $30.5M
Tier 2 Capital Before Deductions RCOAP870 $30.5M
Accumulated Other Comprehensive Income RCOAB530 -$10.7M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$10.7M
Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls RCOAP842 $94K
Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) RCOAP875 $94K
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.1888
Common Equity Tier 1 Capital Ratio RCOAP793 0.1787
Tier 1 Risk-based Capital Ratio RCOA7206 0.1787
Tier 1 Leverage Capital Ratio RCOA7204 0.1581
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.1088
Schedule RC-R, Part II: Risk-Weighted Assets (53 items)

About Schedule RC-R, Part II · Ponce Bank, N.A. risk-weighted assets trends

Ponce Bank, N.A. Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $3.00B
Total Risk-weighted Assets RCONG641 $3.00B
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $2.61B
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $2.61B
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $2.35B
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $2.15B
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $2.15B
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCONS439 $736.2M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $658.9M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $658.9M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS442 $655.9M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $479.8M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $329.4M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $304.5M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $304.5M
Total Held-to-maturity Securities RCOND961 $253.6M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCONG629 $239.9M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $239.9M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $209.3M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $209.3M
Held-to-maturity Securities - 20 Pct Risk Weight Category RCOND963 $183.4M
Total Cash and Balances Due from Depository Institutions RCOND957 $140.3M
Total All Other Assets RCOND981 $123.6M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $119.2M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $84.8M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS443 $80.3M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $78.8M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $78.1M
Available-for-sale Securities - 20 Pct Risk Weight Category RCOND968 $68.7M
Held-to-maturity Securities - 0 Pct Risk Weight Category RCOND962 $63.0M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $60.9M
Unconditionally Cancellable Commitments RCONS540 $48.5M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 -$41.3M
All Other Assets - 20 Pct Risk Weight Category RCOND983 $31.5M
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $21.0M
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category RCONS454 $17.2M
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCONS449 $17.2M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $16.2M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% RCONS530 $15.8M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $15.8M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$13.6M
Available-for-sale Securities - 100 Pct Risk Weight Category RCOND970 $13.5M
All Other Assets - 0 Pct Risk Weight Category RCOND982 $10.9M
Held-to-maturity Securities - 100 Pct Risk Weight Category RCOND965 $7.5M
Loans and Leases Held for Sale, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS417 $3.0M
Total Loans and Leases Held for Sale, Residential Mortgage Exposures RCONS413 $3.0M
All Other Assets - 50 Pct Risk Weight Category RCOND984 $3.0M
Amount of allowances for credit losses on purchased credit-deteriorated assets, Held-to-maturity debt securities RCONJJ31 $210K
Held-to-maturity Securities - Adjustment to Totals Reported in Column a RCONS399 -$210K
All Other Assets - Adjustments to Totals Reported in Column a RCONS469 $94K
Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount RCOND997 $10K
Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category RCOND999 $5K
Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount RCOND998 $5K
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

Ponce Bank, N.A. Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $525.3M
Balance End of Previous Calendar Year as Restated RIADB508 $504.8M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $504.8M
Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) RIADB509 $1.2M
Other Comprehensive Income RIADB511 $123K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)

About Schedule RI-B, Part I · Ponce Bank, N.A. charge-offs and recoveries on loans and leases trends

Ponce Bank, N.A. Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $858K
Charge-offs on Commercial and Industrial Loans RIAD4638 $858K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $1K
Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens RIADC218 $1K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)

About Schedule RI-B, Part II · Ponce Bank, N.A. changes in allowances for credit losses trends

Ponce Bank, N.A. Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $27.6M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $25.4M
Provisions for credit losses on off-balance-sheet exposures RIADMG93 $868K
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $858K
Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) RIADJH88 $236K
Balance end of current period, Held-to-maturity debt securities RIADJH93 $210K
Provisions for credit losses, Held-to-maturity debt securities RIADJH90 -$26K
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)

About Schedule RI-C

Ponce Bank, N.A. Schedule RI-C, Q2 2026
Line item Code Q2 2026
Loans and Leases, Held for Investment, Total, Amortized Cost RCONJJ11 $2.91B
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost RCONJJ06 $1.49B
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost RCONJJ04 $813.0M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost RCONJJ05 $535.8M
Loans and Leases, Held for Investment, Commerical loans, Amortized Cost RCONJJ07 $72.5M
Loans and Leases, Held for Investment, Total, Allowance Balance RCONJJ19 $27.6M
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance RCONJJ14 $14.8M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance RCONJJ12 $6.4M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance RCONJJ13 $4.9M
Loans and Leases, Held for Investment, Commerical loans, Allowance Balance RCONJJ15 $1.4M
Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost RCONJJ09 $554K
Held to Maturity Securities, Other debt securities RCONJJ24 $210K
Held to Maturity Securities, Total RCONJJ25 $210K
Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance RCONJJ17 $4K
Schedule SU: Supplemental Information (1 item)

About Schedule SU

Ponce Bank, N.A. Schedule SU, Q2 2026
Line item Code Q2 2026
Total Outstanding Principal Balance of Assets Sold and Securitized by the Reporting Institution with Servicing Retained or with Recourse or Other Seller Provided Credit Enhancement RCONFT08 $6.7M

Ponce Bank, N.A. call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the Ponce Bank, N.A. call report?

The Ponce Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does Ponce Bank, N.A. file?

Ponce Bank, N.A. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the Ponce Bank, N.A. call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: Ponce Bank, N.A. has Federal Reserve RSSD ID 897170 and FDIC certificate number 31189. Either one finds its filings on the FFIEC Central Data Repository.

How often does Ponce Bank, N.A. file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

Ponce Bank, N.A. financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.