Ponce Financial Group, Inc. · NASDAQ:PDLB
Ponce Financial — Q2 2026 Earnings Presentation
18 slides from Ponce Financial's earnings presentation, 2026
Slide 1: Presentation of Second Quarter 2026 Results
Ex Presentation of Carlos P. Naudon Sergio J. Vaccaro President & Chief Executive Vice President & Executive Officer Chief Financial Officer
Slide 2: Cautionary Statements
autionary Statements ard Looking Statements n statements herein constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Se the Exchange Act and are intended to be covered by the safe harbor provisions of the Private Securities Litigation
Slide 3: Corporate Headquarters and Office Location
orporate Headquarters and Office Location October 10, 2025, the Company wholly-owned subsidiary, Ponce Bank (formerly a federally tered stock savings association), has completed its previously announced conversion to a onal bank and commenced operations as Ponce Bank, National Association (the “Bank
Slide 4: Franchise Evolution
anchise Evolution Mutual Bank Path to Conversion Public Ownership 1960 - 2015 2015 - 2022 2022 - Present tablished 65-year-old institution Carlos P. Naudon named President in Converted from Mutual Holding Com cused on residential and 2015; CEO in 2018 on January 27, 2022 onresidential lending Certif
Slide 5: PFG Executive Management
FG Executive Management Carlos P. Naudon Steven A. Tsavaris Sergio J. Vaccaro President and Executive Chairman Executive Vice President a Chief Executive Officer of the Board Chief Financial Officer 25+ years of experience 50+ years of experience 50+ years of experience Former CFO of Private Retired
Slide 6: Highlights – six months ended June 30, 2026 and 2025
ghlights – six months ended June 30, 2026 and 2025 YTD 2026 YTD 2025 Cha Net interest $58.3M $46.6M 25 creasing profitability. Net income available to common stockholders of income 6.6 million, or $0.71 per diluted share for six months ended June 30, 2026. Net income available to $16.6M $11.5M 44 ro
Slide 7: Our Vision
ur Vision wth Drivers Reaching Capital Deployment Capabilities Cost, Excess Capital - Ready to Deploy Total Assets ($Bn) bust capital position, inclusive of $225 million in ECIP funds provided by the 61% Treasury used on growing loan book: 111% Expanding CRE & Non-Residential Loans Stay with success
Slide 8: ECIP Disposition – Executed Agreement
CIP Disposition – Executed Agreement n December 20, 2024, PFG entered into an ECIP securities purchase option agreement with the US Department of the Treasury, allowing re a future date, subject to compliance with certain qualifications e repurchase date could occur as soon as 3Q 2026, assuming sati
Slide 9: Community Development Financial Institution
ommunity Development Financial Institution As a CDFI, the Company has received over $5 million in federal grants Rankings as of 2Q 2025 Out of the 20 top CDFI Banks (in Total Assets): As of June 30, 2025, there were approximately 1,400 CDFI’s operating nationwide, but fewer than 200 are banks, and t
Slide 10: Minority Depository Institution
inority Depository Institution The Bank is designated an MDI, classified under the Federal Deposit Insurance Rankings as of 3Q 2025 Corporation (FDIC). Out of all the MDI Banks in Assets, the Bank ran The FDIC defines an MDI as a federally insured depository institution for which (1) 51% or more of
Slide 11: Appendix
Appendix
Slide 12: Financial Highlights
nancial Highlights ousands) 4,000,000 2,500,000 3,500,000 3,000,000 2,000,000 Total Deposits Total Assets 2,500,000 1,500,000 2,000,000 1,500,000 1,000,000 1,000,000 500,000 500,000 0 0 2021Y 2022Y 2023Y 2024Y 2025Y 2Q2026 2021Y 2022Y 2023Y 2024Y 2025Y 2Q2026 120,000 Non-interest expense Revenue (NI
Slide 13: Loans Portfolio
oans Portfolio Portfolio Composition Loan Portfolio Growth (in thousands) 3500000 3000000 1-4 Family Residential 6.4% 14.7% 2500000 Construction and Land 2000000 Nonresidential Property 1500000 1000000 $ 2,599,258 Multifamily Residential $ 2,286,599 $ 1,895,886 $ 1,525,668 500000 8.4% 28.1% Other 0
Slide 14: Total Securities – as of June 30, 2026
otal Securities - as of June 30, 2026 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Va e-for-Sale Securities: (in thousand) te Bonds $13,500 - $(406) ge-Backed Securities: lized Mortgage Obligations¹ 29,262 - (4,780) Certificates 7,391 - (818) ertificates 48,148 - (7,595) ertifi
Slide 15: Regulatory Capital Ratios
egulatory Capital Ratios Amount Actual Ratio For Capital Adequacy Purposes Amount Ratio To Be Well Capitaliz Prompt Corrective Amount Provisions 2026 (in thousands) nancial Group, Inc. tal to Risk-Weighted Assets $ 602,120 20.00% $ 240,794 8.00% $ 300,993 tal to Risk-Weighted Assets 571,574 18.99% 1
Slide 16: Reconciliation to GAAP
econciliation to GAAP June 30, 2026 Common shares issued 24,886,711 Less treasury shares 698,810 Common shares outstanding at end of period 24,187,901 $ 560,969,969 Total Equity Common shares outstanding 24,187,901 Total equity per share - GAAP $ 23.19 Total Equity $ 560,969,969 Less Preferred Stock
Slide 17: Community Sponsorships and Donations
ommunity Sponsorships and Donations des Sponsorships and Donations by the Company and the Ponce De Leon Foundation can Cancer Society Morris Heights Health Center Urban Youth Alliance Int Castle Hill Little League Southern Boulevard BID Phipps Neighborhood InHisName of Greater NY Washington Heights
Slide 18: Thank you.
NAS Thank you.
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