Ponce Financial Group, Inc. filed its Form 10-Q for the quarterly period ended June 30, 2026 with the U.S. Securities and Exchange Commission, reporting second-quarter and year-to-date financial results for the period.

Key Highlights

  • Net income of $8.495 million for the three months ended June 30, 2026, compared to $6.100 million for the same period in 2025, according to the filing.
  • Net interest income of $30.061 million for Q2 2026, up from $24.426 million in Q2 2025, as reported in the consolidated statements of operations.
  • Total assets reached $3.494 billion as of June 30, 2026, rising from $3.224 billion at December 31, 2025.
  • Loans receivable, net, totaled $2.880 billion at June 30, 2026, compared to $2.599 billion at December 31, 2025.
  • Basic earnings per common share of $0.36 for Q2 2026, versus $0.26 for Q2 2025, per the filing.
  • Total deposits of $2.272 billion at June 30, 2026, up from $2.047 billion at December 31, 2025.
  • 24,187,901 shares of common stock outstanding as of August 4, 2026, as disclosed on the cover page.

Ponce Financial Group Financial Condition and Earnings: Second Quarter 2026

According to the filing, Ponce Financial Group, Inc. (NASDAQ: PDLB) reported net income of $8.495 million for the three months ended June 30, 2026, compared to $6.100 million for the three months ended June 30, 2025. For the six months ended June 30, 2026, the company disclosed net income of $17.118 million, versus $12.059 million for the same period in 2025. After deducting preferred share dividends of $282 thousand for the quarter, net income available to common stockholders was $8.213 million, with diluted earnings per share of $0.35, compared to $0.25 in Q2 2025.

The filing shows total interest and dividend income of $51.652 million for Q2 2026, up from $45.860 million in Q2 2025. Total interest expense was $21.591 million for the quarter, resulting in net interest income of $30.061 million. The provision for credit losses was $2.148 million for Q2 2026 versus $1.626 million in Q2 2025. Total non-interest expense for the quarter was $18.135 million, with compensation and benefits representing the largest component at $9.070 million.

On the balance sheet, the company reported total assets of $3.494 billion at June 30, 2026. Net loans receivable grew to $2.880 billion, with the allowance for credit losses standing at $27.554 million at that date. Total deposits were $2.272 billion and total borrowings were $621.100 million. Total stockholders' equity was $560.970 million at June 30, 2026, compared to $541.549 million at December 31, 2025, including $225.000 million in Series A preferred stock and retained earnings of $151.887 million.

What Was Disclosed

Ponce Financial Group's 10-Q for the period ended June 30, 2026 disclosed quarterly and year-to-date income statements, a balance sheet reflecting asset growth to $3.494 billion, and per-share earnings of $0.36 basic and $0.35 diluted for Q2 2026.