Ponce Financial Group Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	175.9	162.51	130.51	95.81	69.87	65.53
Interest Income on Investments	20.08	23.01	32.13	30.06	12.89	1.57
Total Interest Income	195.98	185.53	162.64	125.87	82.75	67.1
Interest Paid on Deposits	63.74	65.11	58.69	35.14	9.95	5.67
Interest Paid on Borrowings	20.78	20.61	27.47	25.46	6.2	2.58
Total Interest Expense	84.51	85.71	86.16	60.6	16.15	8.25
Net Interest Income	111.47	99.81	76.48	65.27	66.6	58.85
Net Interest Income Growth	29.04%	30.51%	17.18%	-2.01%	13.18%	40.21%
Gain (Loss) on Sale of Assets	-	-	-	-	-0.44	20.27
Other Non-Interest Income	7.95	8.39	6.02	9.63	6.11	9.1
Total Non-Interest Income	8.54	9.41	7.21	10.22	6.42	34.64
Non-Interest Income Growth	11.07%	30.49%	-29.44%	59.26%	-81.47%	161.47%
Revenues Before Loan Losses	120.01	109.22	83.69	75.49	73.02	93.48
Provision for Loan Losses	6.25	3.78	0.55	3.28	24.05	2.72
Revenue	113.76	105.44	83.14	72.21	48.98	90.77
Revenue Growth	24.61%	26.82%	15.15%	47.43%	-46.04%	71.99%
Salaries and Employee Benefits	28.99	27.23	27.36	27.67	24.98	20.46
Occupancy Expenses	11.19	11.35	10.61	10.29	9.4	8.99
Federal Deposit Insurance	1.18	1.37	1.63	1.47	0.7	-
Selling, General & Administrative	21.06	20.35	20.11	21.83	19.36	18.66
Other Non-Interest Expense	6.21	6.71	7.75	5.09	26.39	9.03
Total Non-Interest Expense	68.63	67.01	67.46	66.35	85.82	57.14
EBT Excluding Unusual Items	45.14	38.43	15.69	5.85	-36.85	33.62
Pretax Income	45.14	38.43	15.69	5.85	-36.85	33.62
Income Tax Expense	11.37	9.73	4.71	2.5	-6.85	8.21
Net Income	33.76	28.7	10.97	3.35	-30	25.42
Preferred Dividends & Other Adjustments	1.13	1.13	0.64	-	-	-
Net Income to Common	32.64	27.58	10.33	3.35	-30	25.42
Net Income Growth	100.24%	166.87%	208.29%	-	-	559.62%
Basic Shares Outstanding	23	23	22	23	23	17
Diluted Shares Outstanding	23	23	23	23	23	17
Shares Change	2.17%	2.26%	-1.19%	0.58%	35.13%	-27.86%
EPS (Basic)	1.42	1.21	0.46	0.15	-1.32	1.52
EPS (Diluted)	1.41	1.20	0.46	0.15	-1.32	1.51
EPS Growth	97.98%	160.87%	212.14%	-	-	817.87%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	25.20%	25.31%	30.05%	42.73%	-	24.41%

SEC Filings: 10-K · 10-Q