Ponce Financial Group, Inc. · NASDAQ:PDLB
Ponce Financial — FY2025 Earnings Presentation
18 slides from Ponce Financial's earnings presentation, Jan 27, 2026
Slide 1: Presentation of Ponce Financial Group Results
President & Chief Executive Officer Carlos P. Naudon Executive Vice President & Chief Financial Officer Sergio J. Vaccaro Exhibit 99.2 Presentation of
Slide 2: Cautionary Statements
Cautionary 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 Private Securities Litigation Ref
Slide 3: Corporate Headquarters and Office Location, Branch Locations
Corporate Headquarters and Office Location Branch Locations On October 10, 2025, the Company wholly-owned subsidiary, Ponce Bank (formerly a federally chartered stock savings association), has completed its previously announced conversion to a national bank and commenced operations as Ponce Bank, Na
Slide 4: Franchise Evolution
Franchise Evolution 2015 - 2022 Carlos P. Naudon named President in 2015; CEO in 2018 Certified SBA lender Continued to remain focused on residential and commercial real estate Optimized real estate footprint by improving loan efficiency Certification as an MDI & CDFI Grew assets from $700 million t
Slide 5: PFG Executive Management
PFG Executive Management Executive Chairman of the Board Steven A. Tsavaris Executive Vice President and Chief Lending Officer Ioannis Kouzilos Madeline V. Marquez President and Chief Executive Officer Carlos P. Naudon Executive Vice President and Chief Financial Officer Sergio J. Vaccaro Executive
Slide 6: Highlights – twelve months ended December 31, 2025 and 2024
Highlights – twelve months ended December 31, 2025 and 2024 Strong loan growth. Net loans receivable were $2.60 billion as of December 31, 2025, an increase of $312.7 million, or 13.7%, from December 31, 2024. Higher NIM and stable expenses YoY. Net interest margin at 3.29% for twelve months ended D
Slide 7: Our Vision
Our Vision Growing alongside fastest growing, best clients Reaching Capital Deployment Capabilities Qualify for ECIP disposition Grow core deposits, with an emphasis on cross-selling commercial customers, growing Ponce Direct, mission driven and specialty deposits Grow our loan portfolio and continu
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 Determination of sale price: based on the dividend
Slide 9: Community Development Financial Institution
Community Development Financial Institution The CDFI Program offers both Financial Assistance and Technical Assistance awards to CDFIs. These competitive awards support and enhance the ability of the Company to meet the needs of the communities they serve. Financial Assistance awards are made in the
Slide 10: Minority Depository Institution
Minority Depository Institution One of 32 banks in the country designated as both an MDI and a CDFI. As of September 30, 2025, the FDIC recognized 156 MDIs across the United States and its territories, with collective assets of approximately $385 billion. As an MDI the Bank can provide financial ser
Slide 11: Appendix
Appendix
Slide 12: Financial Highlights
Total Assets Total Deposits Financial Highlights (in thousands) Net Loans Revenue (NII + Non-interest income) & Non-interest expense Copyright © 2026. All Right Reserved
Slide 13: Appx. Portfolio Composition
Appx. 1 Portfolio Composition 16.6% 32.5% 20.0% 28.8% 1-4 Family Residential Construction and Land Multifamily Residential Nonresidential Property $ 2,286,599 $ 2,599,258 $ 1,322,098 $ 1,525,668 $ 1,895,886 Loan Portfolio Growth (in thousands) Net Loans Receivable Loans Portfolio As of December 31,
Slide 14: Total Securities - as of December 31, 2025
Total Securities - as of December 31, 2025 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-Sale Securities: U.S. Government Bonds $2,999 $- $(20) $2,979 Corporate Bonds 13,501 - (738) 12,763 Mortgage-Backed Securities: Collateralized Mortgage Obligations¹ 30,83
Slide 15: Regulatory Capital Ratios
Actual Amount Ratio For Capital Adequacy Purposes Amount Ratio To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio December 31, 2025 (in thousands) Ponce Financial Group, Inc. Total Capital to Risk-Weighted Assets $ 579,833 23.72% $ 195,430 8.00% $ 244,287 10.00% Tier 1 Cap
Slide 16: Reconciliation to GAAP
Reconciliation to GAAP December 31, 2025 Common shares issued 24,886,711 Less treasury shares 750,785 Common shares outstanding at end of period 24,135,926 Total Equity $ 541,547,426 Common shares outstanding 24,135,926 Total equity per share - GAAP $ 22.44 Total Equity $ 541,547,426 Less Preferred
Slide 17: Community Sponsorships and Donations
Community Sponsorships and Donations Includes Sponsorships and Donations by the Company and the Ponce De Leon Foundation Sponsorships & Scholarships Small Business Bootcamp (PB$BB) Over 173 grants to charitable causes since 2017 $3.6 million was given to Ponce Bank Branch communities focusing on you
Slide 18: Thank you.
NASDAQ: PDLB Thank you.