Ponce Financial Group Reports Second Quarter 2026 Results and Investor Presentation

Quarterly Earnings Announcement and Disclosure Timeline

Ponce Financial Group disclosed its results of operations and financial condition for the second quarter of 2026 through an announcement dated July 27, 2026. The company, which operates through its subsidiary Ponce Bank, National Association, furnished this information to the Securities and Exchange Commission as part of its ongoing periodic reporting obligations. The disclosure marked the midway checkpoint in the company's 2026 fiscal year, providing shareholders and market participants with insight into operational performance during the first six months of the calendar year.

The announcement was made through a formal press release included as an exhibit to the company's current report filing. This disclosure mechanism allows public investors and analysts to access standardized financial information contemporaneously with the company's own announcement, ensuring transparency and market efficiency. Carlos P. Naudon, serving as President and Chief Executive Officer, authorized the filing on behalf of the organization.

Press Release and Public Disclosure Format

Ponce Financial Group issued a press release on July 27, 2026, detailing its second quarter financial results. The press release was furnished to the SEC as Exhibit 99.1 to the current report filing. This format allows the company to communicate directly with investors, media, and other stakeholders while simultaneously satisfying regulatory disclosure requirements under Section 13 or 15(d) of the Securities Exchange Act of 1934.

The information contained in the press release and the Item 2.02 disclosure is classified as "furnished" rather than "filed," which means it is not subject to the liabilities of Section 18 of the Exchange Act. This distinction affects the legal framework governing the disclosures but does not diminish their importance to investors seeking current information about the company's operational and financial performance during the quarter.

Investor Presentation Materials and Website Availability

In addition to its press release, Ponce Financial Group prepared a comprehensive investor presentation scheduled for distribution to current and prospective investors following July 27, 2026. This presentation was furnished as Exhibit 99.2 to the current report and represents the company's prepared remarks and supporting materials for direct engagement with capital markets participants. The presentation approach signals management's commitment to providing detailed context around the quarterly results through organized, visual communication.

The company has made these presentation materials available to investors through its corporate website at www.poncebank.com, enhancing accessibility for shareholders and analysts. By posting materials on its investor relations platform, Ponce Financial Group enables market participants to review the company's narrative, strategic outlook, and financial metrics at their convenience. This web-based distribution model reflects standard practice among public financial institutions seeking to maintain transparent communication channels with the investment community.

Regulatory Classification and Furnished Information Status

The disclosure was submitted to the SEC under Item 7.01, designated as "Regulation FD Disclosure," which applies to information the company chooses to make available to investors but does not formally file as part of the mandatory disclosure regime. This classification permits companies to share forward-looking commentary, strategic perspectives, and presentation materials without triggering the heightened liability standards associated with filed documents.

By furnishing rather than filing this information, Ponce Financial Group maintains regulatory compliance while exercising discretion over the scope and presentation of its investor communications. The furnished status does not diminish the materiality or importance of the information to investors; rather, it reflects the company's choice to present supplemental material on a voluntary basis, consistent with SEC regulations governing selective disclosure.

Ponce Bank and Ponce Financial Group Structure

Ponce Financial Group, Inc. serves as the holding company for Ponce Bank, National Association, a federally chartered national bank. This corporate structure, common among regional and community banking organizations, provides the holding company with oversight, strategic direction, and capital management responsibilities while the subsidiary bank conducts direct lending, deposit, and other banking operations. The holding company framework permits centralized governance and financial reporting while allowing the bank to operate within its specific regulatory charter.

The disclosure identified Ponce Bank as the operating entity whose financial results are consolidated and reported through the holding company. Ponce Financial Group's headquarters are located at 2244 Westchester Avenue in Bronx, New York, and the company maintains NASDAQ listing under the ticker symbol PDLB. The company is organized under Maryland law and holds IRS Employer Identification Number 87-1893965, with Securities and Exchange Commission Commission File Number 001-41255.

Second Quarter 2026 Financial Performance Period

The disclosure covers the company's financial results for the quarter ending June 30, 2026, representing the second sequential quarter of the 2026 calendar year. This six-month checkpoint provides investors with updated performance metrics spanning the first half of the year and serves as the basis for assessing trends, seasonal patterns, and management execution against strategic objectives. Quarterly reporting enables market participants to evaluate year-to-date performance while tracking progress toward full-year expectations.

The company did not disclose specific financial figures within the current report filing itself; those details are contained in the attached press release and presentation materials. Investors seeking detailed revenue, earnings, asset quality, capital ratio, and other quantitative metrics should review the press release exhibit and investor presentation slides, which provide the substantive financial data accompanying the quarterly announcement.

Capital Markets Engagement and Investor Outreach

The announcement indicates that Ponce Financial Group maintains an active program of investor engagement, with presentations scheduled for current and prospective investors following the earnings release date. This investor relations activity reflects the company's commitment to maintaining direct dialogue with existing shareholders and attracting new investors through organized presentations of financial performance and strategic direction. Such engagement helps narrow the information gap between management and capital market participants.

By scheduling presentations for both current and prospective investors, the company signals its interest in broadening its shareholder base while maintaining relationships with existing stakeholders. These investor meetings typically address operational highlights, market positioning, growth initiatives, and financial objectives, providing context beyond the quantitative metrics in financial statements. The presentation materials furnished to the SEC offer a window into management's messaging and strategic narrative.

Emerging Growth Company Status

The disclosure indicates that Ponce Financial Group did not check the box identifying itself as an emerging growth company under Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934. This classification status affects the company's regulatory compliance obligations regarding financial reporting, auditor attestation of internal controls, executive compensation disclosure, and transition periods for adopting new accounting standards.

By not claiming emerging growth company status, Ponce Financial Group is subject to the full suite of reporting and compliance requirements applicable to established public companies. This determination reflects the company's size, market presence, or organizational preference regarding regulatory obligations and may indicate maturity and scale sufficient to comply with comprehensive disclosure frameworks.

Forward Calendar and Investor Access to Materials

Investors and analysts seeking to understand Ponce Financial Group's second quarter performance should consult both the press release dated July 27, 2026, and the comprehensive investor presentation furnished as exhibits to the current report. These materials provide complementary information: the press release typically summarizes key highlights and performance metrics, while the presentation offers visual organization of financial trends, strategic initiatives, and management commentary. Both documents are integral to the company's quarterly disclosure to capital markets.

The company's website at www.poncebank.com serves as the primary repository for ongoing investor relations materials, including the presentation slides referenced in the disclosure. Financial professionals and shareholders can access these resources directly, enabling independent analysis of the company's quarterly performance and strategic positioning. Investors are encouraged to review all furnished materials alongside any other regulatory filings or disclosures when forming investment decisions or evaluating portfolio positions.