Ponce Financial Q4 net income rises to $9.9M

Full-year net income to common jumped to $27.6M on higher net interest income and margin, with loans reaching $2.60B and deposits $2.05B at Dec. 31, 2025.

Jan. 27, 2026 at 6:07pm

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Ponce Financial Group, Inc., the holding company for Ponce Bank, N.A., reported fourth quarter 2025 net income available to common stockholders of $9.9 million, or $0.42 per diluted share, compared to $6.2 million, or $0.27 per diluted share, in the prior quarter and $2.7 million, or $0.12 per diluted share, in the same quarter last year. Full-year 2025 net income available to common stockholders was $27.6 million, or $1.20 per diluted share, up from $10.3 million, or $0.46 per diluted share, in 2024.

Why it matters

Ponce Financial's strong financial performance in 2025, driven by growth in net interest income and margin, demonstrates the bank's ability to effectively manage its balance sheet and generate consistent profitability. As a Minority Depository Institution and Community Development Financial Institution, Ponce Bank's success is important for providing access to financial services and supporting economic development in the communities it serves.

The details

The $3.6 million increase in net income for Q4 2025 compared to Q3 2025 was mainly due to a $2.7 million rise in net interest income and a $2.0 million increase in non-interest income, offset by a $1.3 million rise in provision for income taxes. For the full year 2025, the $17.7 million increase in net income was primarily attributable to a $23.3 million rise in net interest income and a $2.2 million increase in non-interest income, partially offset by a $5.0 million rise in provision for income taxes and a $3.2 million increase in provision for credit losses.

  • Ponce Financial Group, Inc. opened in the summer of 1975.
  • The company is celebrating its 50th anniversary this year.

The players

Ponce Financial Group, Inc.

The holding company for Ponce Bank, N.A., a Minority Depository Institution, a Community Development Financial Institution, and a certified Small Business Administration lender.

Ponce Bank, N.A.

A subsidiary of Ponce Financial Group, Inc. that primarily takes deposits and invests those funds in mortgage loans, business loans, and consumer loans, as well as securities.

Carlos P. Naudon

The President and Chief Executive Officer of Ponce Financial Group, Inc.

Steven A. Tsavaris

The Executive Chairman of Ponce Financial Group, Inc.

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What they’re saying

“The focused execution of our long-term strategy continues to bear fruits. We're pleased with the increase in profitability over the last several quarters driven by incremental net interest income and controlled operating expenses.”

— Carlos P. Naudon, President and Chief Executive Officer

“We're pleased with our levels of loan growth as we continue to make progress towards our commitments under the U.S. Treasury's Emergency Capital Investment Program.”

— Steven A. Tsavaris, Executive Chairman

The takeaway

Ponce Financial Group's strong financial performance in 2025, marked by growth in net interest income and margin, demonstrates the bank's ability to effectively manage its balance sheet and generate consistent profitability. As a Minority Depository Institution and Community Development Financial Institution, Ponce Bank's success is important for providing access to financial services and supporting economic development in the communities it serves.