Ponce Financial Group, Inc. · NASDAQ:PDLB
Ponce Financial — Q4 2025 Earnings Presentation
18 slides from Ponce Financial's earnings presentation, 2026
Slide 1: Presentation of Carlos P. Naudon and Sergio J. Vaccaro
Exhibit 99.2 Presentation of Carlos P. Naudon Sergio J. Vaccaro President & Chief Executive Executive Vice President & Officer Chief Financial 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 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, National Associatio
Slide 4: Franchise Evolution
Franchise Evolution Mutual Bank Path to Conversion Public Ownership 1960 - 2015 2015 - 2022 2022 - Present Established 65-year-old institution focused on Carlos P. Naudon named President in 2015; CEO in Converted from Mutual Holding Company on January residential and nonresidential lending 2018 27,
Slide 5: PFG Executive Management
PFG Executive Management Carlos P. Naudon Steven A. Tsavaris Sergio J. Vaccaro President and Chief Executive Chairman Executive Vice President and Chief Executive Officer of the Board Financial Officer 25+ years of experience 50+ years of experience 50+ years of experience Former CFO of Private Bank
Slide 6: Highlights – twelve months ended December 31, 2025 and 2024
Highlights – twelve months ended December 31, 2025 and 2024 YTD 2025 YTD 2024 Change % Net interest $99.8M $76.5M 30.5% Increasing profitability. Net income available to common stockholders of $27.6 million, or income $1.20 per diluted share for twelve months ended December 31, 2025. Net income avai
Slide 7: Our Vision
Our Vision Growth Drivers Reaching Capital Deployment Capabilities Low-Cost, Excess Capital - Ready to Deploy Total Assets ($Bn) Robust capital position, inclusive of $225 million in ECIP funds provided by the U.S. Treasury 68% Focused on growing loan book: 95% • Expanding CRE & Non-Residential Loan
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 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
Slide 10: Minority Depository Institution
Minority Depository Institution The Bank is designated an MDI, classified under the Federal Deposit Insurance Corporation (FDIC). Rankings as of 3Q 2025 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
Slide 11: Appendix
Appendix Page 11
Slide 12: Financial Highlights
Financial 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 2025Y 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y 120,000 Revenue (NII + Non-interest income)
Slide 13: Loans Portfolio
Loans Portfolio Portfolio Composition Loan Portfolio Growth (in thousands) 3000000 2500000 1-4 Family Residential 28.8% 16.6% 2000000 Construction and Land 1500000 Nonresidential Property 1000000 Multifamily Residential $ 2,599,258 $ 1,322,098 $ 2,286,599 $ 1,525,668 $ 1,895,886 500000 20.0% 32.5% O
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: (in thousand) U.S. Government Bonds $2,999 $- $(20) $2,979 Corporate Bonds 13,501 - (738) 12,763 Mortgage-Backed Securities: Collateralized Mortgage Obli
Slide 15: 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 December 31, 2025 (in thousands) Ponce Financial Group, Inc. Total Capital to Risk-Weighted Assets $ 579,833 23.72% $ 195,430 8.00% $
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 $ 541,547,426 Total Equity 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 American Cancer Society Morris Heights Health Center Urban Youth Alliance Int Castle Hill Little League Southern Boulevard BID Phipps Neighborhood InHisName United YMCA of Greater
Slide 18: Thank you.
NASDAQ: PDLB Thank you.
Ponce Financial Group — Q4 2025 Earnings Presentation on 6ix