Ponce Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ponce Bank, N.A. of Bronx, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.46% | -0.30% | 40th below |
| ROAE | 7.54% | 12.72% | -5.18% | 18th bottom |
| Net Interest Margin | 3.62% | 3.85% | -0.23% | 43rd below |
| Efficiency Ratio | 53.92% | 57.41% | -3.49% | 63rd above |
| PPNR / Avg Assets | 1.72% | 1.88% | -0.16% | 49th below |
| Yield on Earning Assets | 6.24% | 5.72% | +0.52% | 83rd top |
| Cost of Funds | 3.07% | 2.01% | +1.06% | 7th bottom |
| Net Interest Spread | 2.86% | 3.18% | -0.32% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.92% | 1.00% | -0.08% | 35th below |
| NPA / Total Assets | 0.77% | 0.76% | +0.01% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans | 0.95% | 1.31% | -0.36% | 24th bottom |
| ACL / NPLs (Coverage) | 102.75% | 543.96% | -441.21% | 31st below |
| Texas Ratio | 4.85% | 7.39% | -2.54% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 345.62% | 619.04% | -273.42% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.87% | 17.34% | +0.53% | 86th top |
| Tier 1 Ratio | 17.87% | 17.37% | +0.50% | 86th top |
| Total Capital Ratio | 18.88% | 18.42% | +0.46% | 86th top |
| Leverage Ratio | 15.81% | 11.43% | +4.38% | 94th top |
| Equity / Assets | 15.07% | 11.33% | +3.74% | 94th top |
| TCE / Tangible Assets | 15.07% | 10.49% | +4.58% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 127.26% | 86.90% | +40.36% | 1st bottom |
| Core Deposit Ratio | 85.41% | 85.55% | -0.14% | 36th below |
| Uninsured Deposit Ratio | 20.09% | 33.14% | -13.05% | 83rd top |
| Wholesale Funding Ratio | 18.14% | 5.68% | +12.46% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.85% | 9.68% | +1.17% | 79th top |
| Loan Growth (Y/Y) | 16.95% | 8.04% | +8.91% | 89th top |
| Deposit Growth (Y/Y) | 10.70% | 7.87% | +2.83% | 77th top |
See Ponce Bank, N.A.'s peers by name
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Unlock Ponce Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ponce Bank, N.A. profile, how to read a UBPR, or how this data updates.