ADDED
As of March 11, 2026, the registrant had 24,156,831 shares of com mon stock, $0.01par value per share, outstanding.
Forward-looking statements speak only as of the date they are made.
The Company is under no duty to and does not assume any obligation to update any forward-looking statements after the date they are made, whether as a result of new information, future events or otherwise, except as required by law.
(hereafter referred to as we, our, us, Ponce Financial Group, Inc., or the Company ), is a financial holding company and the holding company of Ponce Bank, National Association ( Ponce Bank or the Bank ), a national bank.
Ponce Bank Ponce Bank is a national bank headquartered in the Bronx, New York.
In 2017, the Bank adopted the name Ponce Bank and assets and liabilities of Ponce De Leon Federal Bank were transferred to and assumed by the Bank.
On October 10, 2025, the Bank converted from a federally chartered stock savings association to a national bank and commenced operations under the current name, Ponce Bank, National Association.
The Company s business is conducted through the administrative office and 13 full service banking offices, 2 mortgage loan offices, 1 ATM only location and a representative office.
The mortgage loan offices are located in Queens (1) and Bergenfield (1), New Jersey.
The Company has a representative office in Coral Gables, Florida.
REMOVED
As of March 12, 2025, the registrant had 23,966,191 shares of common stock, $0.01par value per share, outstanding.
The Company is under no duty to and does not assume any obligation to update any forward-looking statements after the date they are made, whether as a result of new information, future events or otherwise.
(hereafter referred to as we, our, us, Ponce Financial Group, Inc., or the Company ), is the holding company of Ponce Bank ( Ponce Bank or the Bank ), a federally chartered stock savings association.
Ponce Bank Ponce Bank is a federally-chartered stock savings association headquartered in the Bronx, New York.
The assets and liabilities of Ponce De Leon Federal Bank were transferred to and assumed by the Bank.
The Company s business is conducted through the administrative office and 13 full service banking and 5 mortgage loan offices.
The mortgage loan offices are located in Queens (3) and Brooklyn (1), New York and Bergenfield (1), New Jersey.
On June 1, 2024, the Company opened a representative office in Coral Gables, Florida.
Our current business strategy consists of the following: Maximize Balance Sheet Efficiency.
In order to generate liquidity to support our lending activity and meet local demand, our strategy involves increasing mission driven/specialty deposits, growing Ponce Bank Direct deposits, cross-selling deposit products to commercial customers, and executing loan participation capabilities.