- Ponce Financial Group, Inc. reported **net income available to common stockholders of $6.2 million**, or **$0.27 per diluted share**, for the third quarter of 2025, an increase from **$5.8 million**, or **$0.25 per diluted share**, in the prior quarter and **$2.2 million**, or **$0.10 per diluted share**, in the third quarter of 2024.  **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:0]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:8]** 
- For the nine months ended September 30, 2025, net income available to common stockholders was **$17.7 million**, or **$0.77 per diluted share**, more than doubling the **$7.7 million**, or **$0.34 per diluted share**, reported for the same period in 2024.  **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:0]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:1]** **[1874071_0001193125-25-249382_pdlb-ex99_2.htm:2]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:9]** 
- The company's net interest income for Q3 2025 was **$25.2 million**, a **3.37%** increase from the prior quarter, with a net interest margin of **3.30%**.  **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:0]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:2]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:8]**  This margin increased by **3 basis points** from the prior quarter and **65 basis points** from the same quarter last year.  **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:1]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:2]** 
- Total assets grew to **$3.16 billion** as of September 30, 2025, an increase of **3.85%** from December 31, 2024, driven by increases in net loans receivable to **$2.49 billion** and deposits to **$2.06 billion**.  **[1874071_0001193125-25-249382_pdlb-ex99_2.htm:1]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:4]** **[1874071_0001193125-25-249382_pdlb-ex99_2.htm:6]** **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:7]** 
- Ponce Bank completed its conversion to a national bank and the Company commenced operations as a bank holding company and a financial holding company on **October 10, 2025**.  **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:1]** **[1874071_0001193125-25-249382_pdlb-ex99_2.htm:1]**  Additionally, the company has achieved an **81%** rate of deep impact lending for 13 consecutive quarters, progressing towards the **60%** requirement for 16 quarters to qualify for preferred stock repurchase.  **[1874071_0001193125-25-249382_pdlb-ex99_1.htm:1]** **[1874071_0001193125-25-249382_pdlb-ex99_2.htm:3]**

Ponce Financial Group, Inc. Announces Q3 2025 Earnings and Strategic Updates

- **Net income available to common stockholders** for Q3 2025 was **$6.2 million**, or **$0.27 per diluted share**, a substantial increase from **$2.2 million**, or **$0.10 per diluted share**, in Q3 2024.  **[1874071_445517b4709e4618b0d999f7857f0484_0]** 
- For the nine months ended September 30, 2025, **net income available to common stockholders more than doubled to $17.7 million**, or **$0.77 per diluted share**, compared to $7.7 million, or $0.34 per diluted share, in the prior year period.  **[1874071_445517b4709e4618b0d999f7857f0484_1]** **[1874071_445517b4709e4618b0d999f7857f0484_2]** 
- **Net interest income for Q3 2025 rose 32.72% to $25.2 million** compared to Q3 2024, and the **net interest margin improved to 3.30%** from 2.65% in Q3 2024.  **[1874071_445517b4709e4618b0d999f7857f0484_0]** 
- The company's **total assets increased 3.85% to $3.16 billion** as of September 30, 2025, with **net loans receivable growing by $203.4 million** and **deposits by $164.0 million** since December 31, 2024.  **[1874071_445517b4709e4618b0d999f7857f0484_6]** **[1874071_445517b4709e4618b0d999f7857f0484_7]** 
- Ponce Bank completed a strategic charter modernization, becoming a financial holding company and a national bank, aimed at enhancing funding sources.  **[1874071_445517b4709e4618b0d999f7857f0484_2]**

Ponce Financial Group (PDLB)