Ponce Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 26.82 percentage points in Q2 2026, from 389.12% to 415.94%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Ponce Bank, N.A. ranks 3rd highest among the 105 banks headquartered in New York, at 127.26% (Q2 2026). Ponce Bank, N.A. reported 127.26% on loan-to-deposit ratio for Q2 2026, 39.05 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.91B |
| Net loans and leases | $2.88B |
| Loans held for sale | $3.0M |
| Loans to total assets | 83.51% |
| Loan-to-deposit ratio | 127.26% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.41% |
| Multifamily (5+ residential) | 36.34% |
| Commercial and industrial | 2.49% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 415.94% |
| Construction concentration (Tier 1 capital + allowance) | 144.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $46.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.83B | $1.43B | 17.60% | 1.02% | 0.57% |
| Q4 2023 | $1.93B | $1.53B | 17.75% | 1.04% | 0.46% |
| Q1 2024 | $2.01B | $1.61B | 16.28% | 1.35% | 0.33% |
| Q2 2024 | $2.08B | $1.63B | 16.23% | 1.47% | 0.25% |
| Q3 2024 | $2.21B | $1.90B | 17.37% | 1.29% | 0.18% |
| Q4 2024 | $2.32B | $1.91B | 16.82% | 1.76% | 0.04% |
| Q1 2025 | $2.40B | $2.03B | 16.28% | 1.92% | 0.04% |
| Q2 2025 | $2.49B | $2.07B | 16.27% | 1.90% | 0.03% |
| Q3 2025 | $2.52B | $2.08B | 17.32% | 2.30% | 0.03% |
| Q4 2025 | $2.63B | $2.06B | 20.03% | 2.02% | 0.02% |
| Q1 2026 | $2.73B | $2.15B | 19.60% | 2.95% | 0.02% |
| Q2 2026 | $2.91B | $2.29B | 18.41% | 2.49% | 0.02% |
Ponce Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ponce Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ponce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31189) · FFIEC NIC profile (RSSD 897170)