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Ponce Bank, National Association
Bronx, NY·FDIC Cert #31189·Charter: OCC·Est. 19600331.0·HC: PONCE FINANCIAL GROUP INC
Total Assets
$3.2B
Q4 2025
Return on Assets
1.01%
+0.12%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.14%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%+0.12
ROE
6.47%+0.73
Efficiency
58.14%-2.84
Equity/Assets
0.00%+0.00
NPL Ratio
1.03%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
126.24%+6.03
Charge-offs
0.06%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.5 | 0.5 | 0.5 | 0.9 | 0.9 | 0.9 | 1.0 |
| ROE | 3.1 | 3.3 | 3.3 | 3.2 | 5.6 | 5.7 | 5.7 | 6.5 |
| Efficiency | 76.1 | 77.6 | 76.9 | 75.8 | 65.6 | 62.8 | 61.0 | 58.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 0.8 | 1.2 | 1.1 | 1.0 | 1.1 | 1.0 |
| Charge-offs | 0.3 | 0.2 | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 123.4 | 126.5 | 115.3 | 120.3 | 117.2 | 119.3 | 120.2 | 126.2 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.1B
Total Loans$2.6B
Total Equity$504.8M
Profitability
ROA1.01%
ROE6.47%
Efficiency Ratio58.14%
Net Income$31.4M
Risk & Asset Quality
NPL Ratio1.03%
Charge-off Rate0.06%
Loan/Deposit126.24%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans