Ponce Financial Group, Inc. · NASDAQ:PDLB
Ponce Financial — Q3 2025 Earnings Presentation
19 slides from Ponce Financial's earnings presentation, Oct 24, 2025
Slide 1: Presentation of Ponce Financial Group
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
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 – nine months ended September 30, 2025 and 2024
Highlights – nine months ended September 30, 2025 and 2024 Strong loan growth. Net loans receivable were $2.49 billion as of September 30, 2025, an increase of $309.7 million, or 14.2%, from September 30, 2024. Higher NIM and stable expenses YoY. Net interest margin at 3.18% for nine months ended Se
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 December 31, 2024, the FDIC recognized 151 MDIs across the United States and its territories, with collective assets of approximately $366 billion. As an MDI the Bank can provide financial serv
Slide 11: ESG (Environmental, Social, Governance)
ESG (Environmental, Social, Governance) Environmental Initiatives The Company focuses on sustainability, resource conservation, and waste reduction. We ensure regulatory compliance, vendor adherence, and invest in technology for efficiency. Our ESG Committee manages site compliance and flood risk, w
Slide 12: Appendix
Appendix
Slide 13: Balance Sheet Highlights
Total Assets Total Deposits Balance Sheet Highlights (in thousands) Copyright © 2025. All Right Reserved Net Loans Loans-to-Deposits %
Slide 14: Portfolio Composition
Appx. 1 Portfolio Composition 17.7% 35.3% 17.3% 27.4% 1-4 Family Residential Construction and Land Multifamily Residential Nonresidential Property $ 2,286,599 $ 2,490,046 $ 1,322,098 $ 1,525,668 $ 1,895,886 Loan Portfolio Growth (in thousands) Net Loans Receivable Loans Portfolio Copyright © 2025. A
Slide 15: Total Securities - as of September 30, 2025
Total Securities - as of September 30, 2025 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-Sale Securities: U.S. Government Bonds $2,998 $- $(43) $2,955 Corporate Bonds 14,752 - (857) 13,895 Mortgage-Backed Securities: Collateralized Mortgage Obligations¹ 31,6
Slide 16: Regulatory Capital Ratios
Actual Amount Ratio For Capital Adequacy Purposes Amount Ratio To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio September 30, 2025 (in thousands) Ponce Financial Group, Inc. Total Capital to Risk-Weighted Assets $ 568,651 24.08% $ 188,932 8.00% $ 236,165 10.00% Tier 1 Ca
Slide 17: Reconciliation to GAAP
Reconciliation to GAAP September 30, 2025 Common shares issued 24,886,711 Less treasury shares 885,586 Common shares outstanding at end of period 24,001,125 Total Equity $ 529,835,252 Common shares outstanding 24,001,125 Total equity per share - GAAP $ 22.08 Total Equity $ 529,835,252 Less Preferred
Slide 18: Community Sponsorships and Donations
Community Sponsorships and Donations Includes Sponsorships and Donations by the Company and the Ponce De Leon Foundation Queens Small Business Owners & Entrepreneurs Small Business Bootcamp Over 117 grants to charitable causes since 2017 $2.3 million was given to Ponce Bank Branch communities focusi
Slide 19: Thank you.
NASDAQ: PDLB Thank you.
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