Ponce Financial Group, Inc. · NASDAQ:PDLB
Ponce Financial — Q3 2025 Earnings Presentation
19 slides from Ponce Financial's earnings presentation, 2025
Slide 1: Presentation of Carlos P. Naudon and Sergio Vaccaro
Exhibit 99.2 Presentation of Carlos P. Naudon Sergio Vaccaro President & Chief EVP & Chief Financial Executive Officer Officer
Slide 2: Cautionary Statements
Cautionary Statements Forward Looking Statements Certain statements herein constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act and are intended to be covered by the safe harbor provisions of the Privat
Slide 3: Corporate Headquarters and Office Location
Corporate Headquarters and Office Location Ponce Financial Group, Inc. (the “Company”), became the holding company of Ponce Branch Locations Bank (the “Bank”), a federally chartered stock savings association on January 27, 2022, after successfully completing the conversion and reorganization of Ponc
Slide 4: Franchise Evolution
Franchise Evolution Mutual Bank Path to Conversion Public Ownership 1960 - 2015 2015 - 2022 2022 - Present Established 65-year-old institution Carlos P. Naudon named President in Converted from Mutual Holding focused on residential and 2015; CEO in 2018 Company on January 27, 2022 nonresidential len
Slide 5: PFG Executive Management
PFG Executive Management Carlos P. Naudon Sergio Vaccaro Luis Gonzalez Jr. President and Executive Vice President Executive Vice President Chief Executive Officer and Chief Financial Officer and Chief Operating Officer 50+ years of experience 25+ years of experience 17+ years of experience Former CE
Slide 6: Highlights – three months ended March 31, 2025 and 2024
Highlights – three months ended March 31, 2025 and 2024 YTD 2024 YTD 2023 Change % Net interest $22.2M $18.8M 18.0% Increasing profitability. Net income available to common stockholders of income $5.7 million, or $0.25 per diluted share for three months ended March 31, 2025. Net income available to
Slide 7: Our Vision
Our Vision Growth Drivers Reaching Capital Deployment Capabilities Low-Cost, Excess Capital - Ready to Deploy Total Assets (in million dollars) 6000 Robust capital position, inclusive of $225 million in ECIP funds provided by the 5000 U.S. Treasury 4000 62% Focused on growing loan book: 3000 2000 23
Slide 8: ECIP Disposition – Executed Agreement
ECIP Disposition – Executed Agreement On December 20, 2024, PFG entered into an ECIP securities purchase option agreement with the US Department of the Treasury, allowing repurchase at a future date, subject to compliance with certain qualifications The repurchase date could occur as soon as 3Q 2026
Slide 9: Community Development Financial Institution
Community Development Financial Institution As a CDFI, the Company has received over $5 million in federal grants Rankings as of 3rd quarter 2024 Out of the 20 top CDFI Banks (in Total Assets): As of September 30, 2024, there were approximately 1,400 CDFI’s operating nationwide, but fewer than 200 a
Slide 10: Minority Depository Institution
Minority Depository Institution The Bank is designated an MDI, classified under the Federal Deposit Insurance Rankings as of 4Q24 Corporation (FDIC). Out of all the MDI Banks in Assets, the Bank ranks: The FDIC defines an MDI as a federally insured depository institution for which (1) 51% or more of
Slide 11: ESG (Environmental, Social, Governance)
ESG (Environmental, Social, Governance) Environmental Responsibility Social Impact Environmental Initiatives Community Reflection In the latest report(*) from the National Community The Company focuses on We mirror our community with 61% Investment Fund, Ponce ranked: sustainability, resource female
Slide 12: Appendix
Appendix Page 12
Slide 13: Balance Sheet Highlights
Balance Sheet Highlights (in thousands) 3,500,000 2,500,000 3,000,000 2,000,000 2,500,000 Total Deposits Total Assets 2,000,000 1,500,000 1,500,000 1,000,000 1,000,000 500,000 500,000 0 0 2020Y 2021Y 2022Y 2023Y 2024Y 1Q 2025 2020Y 2021Y 2022Y 2023Y 2024Y 1Q 2025 2,500,000 130.00 Loans-to-Deposits %
Slide 14: Loans Portfolio
Loans Portfolio Portfolio Composition Loan Portfolio Growth (in thousands) 2500000 1-4 Family Residential 28.2% 19.4% 2000000 Construction and Land 1500000 Nonresidential Property 1000000 $ 2,286,599 $ 2,370,931 $ 1,322,098 Multifamily Residential $ 1,895,886 $ 1,525,668 500000 16.3% 34.1% Other 0 D
Slide 15: Total Securities - as of March 31, 2025
Total Securities - as of March 31, 2025 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-Sale Securities: (in thousand) U.S. Government Bonds $2,995 $- $(92) $2,903 Corporate Bonds 20,759 54 (1,163) 19,650 Mortgage-Backed Securities: Collateralized Mortgage Obli
Slide 16: Regulatory Capital Ratios
Regulatory Capital Ratios Actual For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio March 31, 2025 (in thousands) Ponce Financial Group, Inc. Total Capital to Risk-Weighted Assets $ 552,191 22.84% $ 193,396 8.00% $ 24
Slide 17: Reconciliation to GAAP
Reconciliation to GAAP March 31, 2025 Common shares issued 24,886,711 Less treasury shares 920,520 Common shares outstanding at end of period 23,966,191 $ 513,885,468 Total Equity Common shares outstanding 23,966,191 Total equity per share - GAAP $ 21.44 Total Equity $ 513,885,468 Less Preferred Sto
Slide 18: Community Sponsorships and Donations
Community Sponsorships and Donations Includes Sponsorships and Donations by the Company and the Ponce De Leon Foundation American Cancer Society Morris Heights Health Center Urban Youth Alliance Int Castle Hill Little League Iglesia Nuevo Amanecer La Hermosa Phipps Neighborhood InHisName United YMCA
Slide 19: Thank you.
NASDAQ: PDLB Thank you.
Ponce Financial Group — Q3 2025 Earnings Presentation on 6ix