Ponce Bank
Ponce Bank reported total assets of $3.5 bn at Q2 2026, up 10.9% on a year earlier, the 367th largest of 497 banks in our US coverage. The CET1 capital ratio at Ponce Bank was 17.87%, and the uninsured share of Ponce Bank was 20.09%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Ponce Bank climbed from 341st to 211th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Ponce Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 126.05% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
- At 15.81%, the tier 1 leverage ratio of Ponce Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45% (FDIC Call Reports).
What sets Ponce Bank apart
How large is Ponce Bank?
The balance sheet of Ponce Bank at : assets $3.5 bn, deposits $2.3 bn, net loans $2.9 bn (loans equal to 126.05% of deposits). Securities make up 9.7% of total assets at Ponce Bank. Since , when Ponce Bank held $720.9 mn, its assets grew 383.5%. In the year to , deposits at Ponce Bank rose 10.7% while its total assets rose 10.9%. At , Ponce Bank employed 229 full-time equivalent staff across 13 offices, about $15.2 mn of assets per employee and $175.9 mn of deposits per office.
How much funding at Ponce Bank is uninsured?
At Ponce Bank, uninsured deposits (above the FDIC limit) made up 20.09% of domestic deposits at (-1.35 pp on a year earlier); Ponce Bank ranks 409th of 500 on this measure. In dollars, Ponce Bank estimated $459.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +10.7% | 459th of 499 |
| Net loans and leases | $2.9 bn | +17.0% | 325th of 500 |
| Loan-to-deposit ratio | 126.05% | +6.76 pp | 10th of 500 |
| Tier 1 leverage ratio | 15.81% | -0.18 pp | 21st of 500 |
| Total risk-based capital ratio | 18.88% | -2.33 pp | 52nd of 448 |
| Net interest margin | 3.66% | +0.49 pp | 241st of 500 |
| Return on assets (ROA) | 1.15% | +0.28 pp | 327th of 500 |
| Efficiency ratio | 54.12% | -8.70 pp | 211th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.9 mn | Narrowed by $939,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $13.6 mn | Narrowed by $3.0 mn | |
| 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 of Ponce Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Ponce Bank: assets, deposits and loans
- Total assets $3.5bn
- Deposits $2.3bn
- Net loans $2.9bn
Capital and securities
The CET1 ratio of Ponce Bank stood at 17.87% in , -2.28 pp year on year. Low and high at Ponce Bank since : 14.54% () to 34.75% (). Equity capital of Ponce Bank at : $525.3 mn, or 15.1% of total assets. Ponce Bank also reported a total capital ratio of 18.88% for , and a tier 1 leverage ratio of 15.81%.
On held-to-maturity securities, Ponce Bank carried an unrealized loss of $6.9 mn at , equal to 1.3% of equity capital. The loss narrowed by $939,000 over the year. Its deepest point: $26.8 mn in . The available-for-sale portfolio of Ponce Bank showed an unrealized loss of $13.6 mn at ; the loss narrowed by $3.0 mn over the year.
Ponce Bank: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 16%
Ponce Bank: unrealized securities gains and losses
- Available for sale -$14mn
- Held to maturity -$7mn
Profitability and loan quality
For the year to , Ponce Bank earned a return on equity of 7.44%; return on assets: 1.15%. Net interest margin at Ponce Bank: 3.66%, +0.49 pp in a year. Ponce Bank net income: $19.1 mn, up 42.3% year on year. The efficiency ratio of Ponce Bank was 54.12%: about 54 cents cost per revenue dollar, against 47 cents at the median peer.
At , noncurrent loans were 0.81% of total loans at Ponce Bank; net charge-offs: 0.06% of average loans. Gross loans and leases at Ponce Bank: $2.9 bn, up 17.0% in a year.
Ponce Bank: profitability
- Return on equity 7.4%
- Net interest margin 3.7%
- Return on assets 1.2%
Peer group of Ponce Bank
The peer group of Ponce Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Ponce Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, Ponce Bank shows CET1 ratio 17.87% against a peer median of 12.43%, return on equity 7.44% against a peer median of 15.02% and uninsured deposit share 20.09% against a peer median of 35.09%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Farmers Bank & Trust Co. | State member bank | IN | $3.5 bn | 12.82% | 17.35% | 30.24% | |
| The Farmers & Merchants State Bank | State nonmember bank | OH | $3.5 bn | 11.84% | 11.22% | 11.09% | |
| Cache Valley Bank | State nonmember bank | UT | $3.5 bn | 12.04% | 19.39% | 54.41% | |
| Ponce Bank | National bank | NY | $3.5 bn | 17.87% | 7.44% | 20.09% | |
| Banco do Brasil Americas | State nonmember bank | FL | $3.5 bn | 23.30% | 14.52% | 30.51% | |
| PCB Bank | State nonmember bank | CA | $3.5 bn | 13.35% | 11.25% | 47.93% | |
| Bankwell Bank | State nonmember bank | CT | $3.5 bn | 11.67% | 15.51% | 39.67% | |
. FDIC Call Reports.
Last eight quarters
Two years at Ponce Bank, to : assets +16.0%, deposits +20.4%, equity +12.8%. Staff 228 to 229; offices 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Ponce Bank
- Total assets at Ponce Bank changed by +27.9% in the quarter to 2022-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Ponce Bank?
Ponce Bank reported $3.5 bn at in its Call Report. That makes Ponce Bank the 367th largest of 497 banks in our US coverage.
Is Ponce Bank the same as its holding company?
No. This page covers Ponce Bank, FDIC certificate 31189; Ponce Financial Group, Inc., its holding company, reports separately to the Federal Reserve.
Is Ponce Bank profitable?
Ponce Bank reported net income of $19.1 mn for the year to ; annualized return on equity: 7.44%. So yes: Ponce Bank made a profit over these months.
When is data for Ponce Bank next updated?
Figures from Ponce Bank for are due after .
Where can I check the figures for Ponce Bank?
In the FDIC BankFind Suite record for certificate 31189, and in the Call Reports of Ponce Bank (RSSD ID 897170) at the FFIEC Central Data Repository.