Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	154.54	130.51	95.81	69.87	65.53	52.39
Interest Income on Investments	25.06	32.13	30.06	12.89	1.57	0.95
Total Interest Income	179.59	162.64	125.87	82.75	67.1	53.34
Interest Paid on Deposits	65.88	58.69	35.14	9.95	5.67	8.75
Interest Paid on Borrowings	21.11	27.47	25.46	6.2	2.58	2.62
Total Interest Expense	86.98	86.16	60.6	16.15	8.25	11.37
Net Interest Income	92.61	76.48	65.27	66.6	58.85	41.97
Net Interest Income Growth (YoY)	26.95%	17.18%	-2.01%	13.18%	40.21%	10.06%
Gain (Loss) on Sale of Assets	-	-	-	-0.44	20.27	4.18
Other Non-Interest Income	6.74	6.02	5.93	6.11	9.1	4.95
Total Non-Interest Income	8.03	7.21	6.52	6.42	34.64	13.25
Non-Interest Income Growth (YoY)	197.30%	10.58%	1.62%	-81.47%	161.47%	393.74%
Revenues Before Loan Losses	100.64	83.69	71.79	73.02	93.48	55.22
Provision for Loan Losses	4.39	1.33	0.97	24.05	2.72	2.44
Revenue	96.25	82.36	70.82	48.98	90.77	52.77
Revenue Growth (YoY)	26.45%	16.30%	44.59%	-46.04%	71.99%	30.12%
Salaries and Employee Benefits	27.4	27.36	27.67	24.98	20.46	20.11
Occupancy Expenses	11.35	10.61	10.29	9.4	8.99	9.56
Federal Deposit Insurance	1.69	1.63	1.47	0.7	-	-
Selling, General & Administrative	20.12	20.11	21.83	19.36	18.66	12.29
Other Non-Interest Expense	6.51	6.97	7.4	26.39	9.03	5.57
Total Non-Interest Expense	67.06	66.67	68.66	85.82	57.14	47.54
EBT Excluding Unusual Items	29.2	15.69	2.15	-36.85	33.62	5.24
Other Unusual Items	-	-	3.7	-	-	-
Pretax Income	29.2	15.69	5.85	-36.85	33.62	5.24
Income Tax Expense	7.7	4.71	2.5	-6.85	8.21	1.38
Net Income	21.5	10.97	3.35	-30	25.42	3.85
Preferred Dividends & Other Adjustments	1.13	0.64	-	-	-	-
Net Income to Common	20.37	10.33	3.35	-30	25.42	3.85
Net Income Growth	151.26%	227.33%	-	-	559.62%	-
Basic Shares Outstanding	23	22	23	23	17	23
Diluted Shares Outstanding	23	23	23	23	17	23
Shares Change (YoY)	2.21%	-1.19%	0.58%	35.13%	-27.86%	-4.30%
EPS (Basic)	0.90	0.46	0.15	-1.32	1.52	0.17
EPS (Diluted)	0.89	0.46	0.15	-1.32	1.51	0.16
EPS Growth	142.83%	212.14%	-	-	817.87%	-
Effective Tax Rate	26.36%	30.05%	42.73%	-	24.41%	26.40%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q