Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	162.51	130.51	95.81	69.87	65.53
Interest Income on Investments	23.01	32.13	30.06	12.89	1.57
Total Interest Income	185.53	162.64	125.87	82.75	67.1
Interest Paid on Deposits	65.11	58.69	35.14	9.95	5.67
Interest Paid on Borrowings	20.61	27.47	25.46	6.2	2.58
Total Interest Expense	85.71	86.16	60.6	16.15	8.25
Net Interest Income	99.81	76.48	65.27	66.6	58.85
Net Interest Income Growth (YoY)	30.51%	17.18%	-2.01%	13.18%	40.21%
Gain (Loss) on Sale of Assets	-	-	-	-0.44	20.27
Other Non-Interest Income	8.39	6.02	5.93	6.11	9.1
Total Non-Interest Income	9.41	7.21	6.52	6.42	34.64
Non-Interest Income Growth (YoY)	30.49%	10.58%	1.62%	-81.47%	161.47%
Revenues Before Loan Losses	109.22	83.69	71.79	73.02	93.48
Provision for Loan Losses	3.78	1.33	0.97	24.05	2.72
Revenue	105.44	82.36	70.82	48.98	90.77
Revenue Growth (YoY)	28.02%	16.30%	44.59%	-46.04%	71.99%
Salaries and Employee Benefits	31.39	27.36	27.67	24.98	20.46
Occupancy Expenses	15.79	10.61	10.29	9.4	8.99
Federal Deposit Insurance	1.37	1.63	1.47	0.7	-
Selling, General & Administrative	11.72	20.11	21.83	19.36	18.66
Other Non-Interest Expense	6.75	6.97	7.4	26.39	9.03
Total Non-Interest Expense	67.01	66.67	68.66	85.82	57.14
EBT Excluding Unusual Items	38.43	15.69	2.15	-36.85	33.62
Other Unusual Items	-	-	3.7	-	-
Pretax Income	38.43	15.69	5.85	-36.85	33.62
Income Tax Expense	9.73	4.71	2.5	-6.85	8.21
Net Income	28.7	10.97	3.35	-30	25.42
Preferred Dividends & Other Adjustments	1.13	0.64	-	-	-
Net Income to Common	27.58	10.33	3.35	-30	25.42
Net Income Growth	161.60%	227.33%	-	-	559.62%
Basic Shares Outstanding	23	22	23	23	17
Diluted Shares Outstanding	23	23	23	23	17
Shares Change (YoY)	2.26%	-1.19%	0.58%	35.13%	-27.86%
EPS (Basic)	1.21	0.46	0.15	-1.32	1.52
EPS (Diluted)	1.20	0.46	0.15	-1.32	1.51
EPS Growth	160.87%	212.14%	-	-	817.87%
Effective Tax Rate	25.31%	30.05%	42.73%	-	24.41%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q