Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Balance Sheet

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
Cash & Equivalents	126.15	139.84	139.19	54.36	153.89
Investment Securities	288.97	80.81	133.8	145.04	26.61
Trading Asset Securities	-	-	-	0.02	0.17
Mortgage-Backed Securities	76.45	392.35	448.1	496.78	90.16
Total Investments	365.43	473.16	581.9	641.84	116.94
Gross Loans	2,625	2,309	1,922	1,528	1,322
Allowance for Loan Losses	-25.45	-22.5	-26.15	-34.59	-16.35
Other Adjustments to Gross Loans	-0.2	-	-	-	-0.67
Net Loans	2,599	2,287	1,896	1,493	1,305
Property, Plant & Equipment	43.22	45.89	47.33	50.87	19.62
Loans Held for Sale	3.39	10.74	9.98	1.98	15.84
Accrued Interest Receivable	17.91	17.77	18.01	15.05	12.36
Long-Term Deferred Tax Assets	11.5	12.07	14.33	16.14	3.82
Other Long-Term Assets	27.81	24.69	24.72	13.97	19.96
Total Assets	3,224	3,040	2,751	2,312	1,654
Interest Bearing Deposits	1,636	1,236	1,155	856.93	851.31
Institutional Deposits	202.5	480.14	167.53	106.34	78.45
Non-Interest Bearing Deposits	208.25	169.18	185.15	289.15	274.96
Total Deposits	2,047	1,885	1,508	1,252	1,205
Short-Term Borrowings	-	27.01	4.44	6	15.09
Current Portion of Long-Term Debt	-	100	-	178.38	77.88
Current Portion of Leases	-	3.98	-	-	-
Accrued Interest Payable	3.79	3.71	11.97	1.39	0.23
Long-Term Debt	-	-	304.02	-	-
Federal Home Loan Bank Debt, Long-Term	596.1	471.1	380.4	333	28.38
Long-Term Leases	29.35	26.72	32.68	34.53	-
Other Long-Term Liabilities	6.55	17.06	18.2	13.58	137.97
Total Liabilities	2,682	2,534	2,259	1,819	1,464
Preferred Stock, Redeemable	225	225	225	225	-
Common Stock	0.25	0.25	0.25	0.25	0.19
Additional Paid-In Capital	208.6	207.32	207.11	206.51	85.6
Retained Earnings	135.33	107.75	97.42	92.96	122.96
Treasury Stock	-6.16	-7.71	-9.75	-0	-13.69
Comprehensive Income & Other	-21.47	-27.12	-28.63	-32.01	-5.8
Total Common Equity	316.55	280.5	266.4	267.7	189.26
Shareholders' Equity	541.55	505.5	491.4	492.7	189.26
Total Liabilities & Equity	3,224	3,040	2,751	2,312	1,654
Total Debt	625.45	628.8	721.54	551.91	121.35
Net Cash (Debt)	-499.05	-488.71	-582.1	-496.03	35.21
Net Cash Per Share	-21.64	-21.67	-25.51	-21.86	2.10
Filing Date Shares Outstanding	22.84	23.97	22.35	23.29	24.72
Total Common Shares Outstanding	22.84	22.66	22.35	23.29	23.71
Book Value Per Share	13.86	12.38	11.92	11.49	7.98
Tangible Book Value	316.55	280.5	266.4	267.7	189.26
Tangible Book Value Per Share	13.86	12.38	11.92	11.49	7.98

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

SEC Filings: 10-K · 10-Q