Ponce Financial Group, Inc., the holding company for Ponce Bank, N.A., reported net income of $9.9 million for the fourth quarter of 2025, a significant increase from previous periods. The company’s total net income for the quarter was $10.1 million, driven by growth in interest and dividend income. Net interest income for the quarter increased by $2.7 million compared to the prior quarter and $7.2 million compared to the same quarter last year. The company’s net interest margin also improved to 3.57% for the quarter.

For the full year 2025, Ponce Financial Group reported a net income of $27.6 million, a substantial increase from the previous year. The company’s net interest income for the year was $99.8 million, reflecting a significant growth of $23.3 million from the prior year. Total assets increased by $184.0 million to $3.22 billion as of December 31, 2025, driven by growth in net loans receivable and deposits. The company’s capital ratios remained strong, well above regulatory requirements.

President and CEO Carlos P. Naudon expressed satisfaction with the company’s profitability and strategic execution, highlighting an increase in net interest margin and controlled operating expenses. Executive Chairman Steven A. Tsavaris noted progress in loan growth and commitment to community impact lending programs. Ponce Financial Group’s performance ratios, capital ratios, and asset quality ratios all indicate a healthy financial position and operational efficiency. The company remains focused on investing in technology and its workforce for continued growth and improvement.

Read more at GlobeNewswire.: Ponce Financial Group, Inc. Reports Fourth Quarter 2025