Ponce Bank
Ponce Bank reported total assets of $3.5 bn at Q2 2026, up 10.9% from a year earlier. That ranks 367th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 17.87%, and an estimated 20.09% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: down 1.85 pp on Q1 2026, to 20.09%
- Net loans and leases: up 6.7% on Q1 2026, to $2.9 bn
- Total deposits: up 6.5% on Q1 2026, to $2.3 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Ponce Bank?
Its largest one-quarter change in total assets since Q1 2016 was +27.9% between Q1 2022 and Q2 2022, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its tier 1 leverage ratio stands out most: 15.81% at Q2 2026, above the peer median of 10.53%. Its tier 1 leverage ratio of 15.81% at Q2 2026 is in the highest 5% of the 500 banks reporting it (rank 21 of 500, 1 = highest).
How large is Ponce Bank?
At Q2 2026 the bank held $3.5 bn of assets. Deposits were $2.3 bn and net loans and leases $2.9 bn, a loan-to-deposit ratio of 126.05%. Securities of $338.4 mn made up 9.7% of assets.
Total assets rose 383.5% between Q1 2016 and Q2 2026, from $720.9 mn.
How much of its funding is uninsured?
An estimated 20.09% of domestic deposits were above the FDIC insurance limit at Q2 2026, -1.85 pp from the previous quarter and -1.35 pp from a year earlier. That share ranks 409th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.5 bn | +10.9% | 367th of 497 |
| Total deposits | $2.3 bn | +10.7% | 459th of 499 |
| Net loans and leases | $2.9 bn | +17.0% | 325th of 500 |
| Bank equity capital | $525.3 mn | +8.6% | 293rd of 498 |
| Common equity tier 1 (CET1) ratio | 17.87% | -2.28 pp | 53rd of 448 |
| Tier 1 leverage ratio | 15.81% | -0.18 pp | 21st of 500 |
| Return on equity (ROE) | 7.44% | +1.78 pp | 426th of 500 |
| Net interest margin | 3.66% | +0.49 pp | 241st of 500 |
| Uninsured share of domestic deposits | 20.09% | -1.35 pp | 409th of 500 |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.9 mn | Narrowed by $939,000 | |
| Noncurrent loans to total loans | 0.81% | -0.19 pp | 311th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | +0.02 pp | 218th of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $3.5bn
- Deposits $2.3bn
- Net loans $2.9bn
Capital and securities
The common equity tier 1 (CET1) ratio was 17.87% at Q2 2026, -2.28 pp from a year earlier. Since Q1 2016 it has ranged from 14.54% (Q1 2021) to 34.75% (Q2 2022). At Q2 2026 the tier 1 leverage ratio was 15.81% and the total risk-based capital ratio 18.88%. The median CET1 ratio of the size peers listed below was 12.43% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $6.9 mn at Q2 2026, measured as fair value minus amortized cost, equal to 1.3% of bank equity capital. The loss narrowed by $939,000 from a year earlier. The largest unrealized loss on these securities was $26.8 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $13.6 mn at Q2 2026; the loss narrowed by $3.0 mn from a year earlier.
Capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 16%
Unrealized gains and losses on securities
- Available for sale -$14mn
- Held to maturity -$7mn
Profitability and loan quality
Return on equity was 7.44% for the year to Q2 2026, annualized, with a return on assets of 1.15% and a net interest margin of 3.66%. The margin was +0.49 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 54.12%. Net income for the year to Q2 2026 was $19.1 mn, up 42.3% on the same period a year earlier. The median return on equity of its size peers was 15.02% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.81% of total loans at Q2 2026. Net charge-offs for the year to date were 0.06% of average loans, annualized.
Profitability
- Return on equity 7.4%
- Net interest margin 3.7%
- Return on assets 1.2%
Compared with banks of similar size
The six banks ranked closest to Ponce Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Ponce Bank is 4th by total assets. Its CET1 ratio of 17.87% compares with a peer median of 12.43%, its tier 1 leverage ratio of 15.81% compares with a peer median of 10.53%, and its return on equity of 7.44% compares with a peer median of 15.02%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| First Farmers Bank & Trust Co. | $3.5 bn | 12.82% | 17.35% | 30.24% | |
| The Farmers & Merchants State Bank | $3.5 bn | 11.84% | 11.22% | 11.09% | |
| Cache Valley Bank | $3.5 bn | 12.04% | 19.39% | 54.41% | |
| Ponce Bank | $3.5 bn | 17.87% | 7.44% | 20.09% | |
| Banco do Brasil Americas | $3.5 bn | 23.30% | 14.52% | 30.51% | |
| PCB Bank | $3.5 bn | 13.35% | 11.25% | 47.93% | |
| Bankwell Bank | $3.5 bn | 11.67% | 15.51% | 39.67% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 12.43%, return on equity 15.02%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Ponce Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 16.0% to $3.5 bn, deposits rose 20.4% to $2.3 bn and bank equity capital rose 12.8% to $525.3 mn. Over the same period its full-time equivalent staff went from 228 to 229 and its offices went from 14 to 13.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.3 bn | $3.5 bn |
| Total deposits | $1.9 bn | $1.9 bn | $2.0 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.3 bn |
| Bank equity capital | $465.6 mn | $467.0 mn | $475.8 mn | $483.6 mn | $492.8 mn | $504.8 mn | $514.8 mn | $525.3 mn |
| Common equity tier 1 (CET1) ratio | 20.45% | 20.40% | 20.35% | 20.15% | 20.66% | 20.53% | 18.97% | 17.87% |
| Return on equity (ROE) | 3.25% | 3.21% | 5.57% | 5.66% | 5.74% | 6.47% | 7.33% | 7.44% |
| Uninsured share of domestic deposits | 25.82% | 22.83% | 21.05% | 21.44% | 21.86% | 22.05% | 21.94% | 20.09% |
| Full-time equivalent employees | 228 | 218 | 211 | 206 | 209 | 216 | 218 | 229 |
| Number of offices | 14 | 14 | 14 | 14 | 13 | 13 | 13 | 13 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Large one-quarter moves
- Total assets changed by +27.9% in the quarter to 2022-06-30, with no FDIC structure event in that quarter.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 31189
- Federal Reserve RSSD ID
- 897170
- Head office
- Bronx, New York
- Holding company
- Ponce Financial Group, Inc.
- Holding company RSSD ID
- 5653018
- Holding company SEC CIK
- 1874071
- EconoMonitor ID
- EMB-US-000554
Frequently asked questions
What were Ponce Bank's total assets?
$3.5 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 367th among 497 banks reporting this metric (1 = highest).
Is Ponce Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 31189). Its holding company, Ponce Financial Group, Inc., reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Ponce Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 31189, and in the Call Reports filed under RSSD ID 897170 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.