Ponce Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.14 percentage points lower than in Q1 2026, at 102.75%. Ponce Bank, N.A. ranks 40th of 105 New York banks on return on assets, in the upper half at 1.16% (Q2 2026). Ponce Bank, N.A. reported 1.16% on return on assets for Q2 2026, 0.12 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.87% |
| Tier 1 risk-based capital ratio | 17.87% |
| Total risk-based capital ratio | 18.88% |
| Tier 1 leverage ratio | 15.81% |
| Equity capital to assets | 15.07% |
| Tangible equity to tangible assets | 15.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.92% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 4.85% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 102.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 7.54% |
| Net interest margin | 3.62% |
| Efficiency ratio | 53.92% |
| Yield on earning assets | 6.24% |
| Cost of funds | 3.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 127.26% |
| Core deposits to total deposits | 85.41% |
| Brokered deposits to total deposits | 6.33% |
| Deposits to assets | 65.62% |
| Securities to assets | 9.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.85% | 23.85% | 25.10% | 17.51% | 0.50% |
| Q4 2023 | 22.05% | 22.05% | 23.30% | 17.49% | 0.31% |
| Q1 2024 | 21.54% | 21.54% | 22.79% | 16.26% | 0.48% |
| Q2 2024 | 21.24% | 21.24% | 22.47% | 16.70% | 0.57% |
| Q3 2024 | 20.45% | 20.45% | 21.61% | 16.19% | 0.48% |
| Q4 2024 | 20.40% | 20.40% | 21.47% | 15.81% | 0.47% |
| Q1 2025 | 20.35% | 20.35% | 21.38% | 15.61% | 0.84% |
| Q2 2025 | 20.15% | 20.15% | 21.22% | 15.99% | 0.89% |
| Q3 2025 | 20.66% | 20.66% | 21.79% | 16.08% | 0.92% |
| Q4 2025 | 20.53% | 20.53% | 21.63% | 16.12% | 1.34% |
| Q1 2026 | 18.97% | 18.97% | 20.00% | 16.09% | 1.15% |
| Q2 2026 | 17.87% | 17.87% | 18.88% | 15.81% | 1.16% |
Ponce Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ponce Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)