← Ponce Financial Group, Inc.
| Annual Trend | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Total interest and dividend income | $50.5m |
$53.3m
+5.64%
|
$67.1m
+25.80%
|
$82.8m
+23.33%
|
$125.9m
+52.10%
|
$162.6m
+29.21%
|
$185.5m
+14.07%
|
— | |
| Total non-interest income | $2.7m | $13.2m | $34.6m | $6.4m | $10.2m | $7.2m | $9.4m | — | |
| Net interest income | $38.1m |
$42.0m
+10.06%
|
$58.8m
+40.21%
|
$66.6m
+13.18%
|
$65.3m
-2.01%
|
$76.5m
+17.18%
|
$99.8m
+30.51%
|
$111.5m
+11.68%
|
|
| Other operating expenses | $2.4m | $3.4m | $4.6m | $5.1m | $4.8m | $4.3m | $4.6m | — | |
| Total non-interest expense | $46.6m | $47.5m | $57.1m | $85.8m | $68.7m | $66.7m | $67.0m | — | |
| Total interest expense | $12.4m | $11.4m | $8.3m | $16.1m | $60.6m | $86.2m | $85.7m | — | |
| Net interest income after provision (benefit) for credit losses | $37.9m |
$39.5m
+4.36%
|
$56.1m
+42.00%
|
$42.6m
-24.18%
|
$64.3m
+51.08%
|
$75.1m
+16.88%
|
$96.0m
+27.79%
|
$111.5m
+16.08%
|
|
| Income before income taxes | ($6.0m) | $5.2m | $33.6m | ($36.8m) | $5.9m | $15.7m | $38.4m | $45.1m | |
| Provision for income taxes (Note 10) | ($924k) | $1.4m | $8.2m | ($6.8m) | $2.5m | $4.7m | $9.7m | — | |
| Net income | ($5.1m) |
$3.9m
+175.18%
|
$25.4m
+559.62%
|
($30.0m)
-218.04%
|
$3.4m
+111.17%
|
$11.0m
+227.33%
|
$28.7m
+161.60%
|
$32.6m
+13.71%
|
|
| Net income (loss) available to common stockholders | ($5.1m) |
$3.9m
+175.18%
|
$25.4m
+559.62%
|
($30.0m)
-218.04%
|
$3.4m
+111.17%
|
$10.3m
+208.29%
|
$27.6m
+166.87%
|
$32.6m
+18.34%
|
|
| Basic | ($0.29) | $0.23 | $1.52 | ($1.32) | $0.15 | $0.49 | $1.26 | $1.42 | |
| Diluted | ($0.29) | $0.23 | $1.51 | ($1.32) | $0.15 | $0.49 | $1.24 | $32,637,000.00 | |
| Dividends on preferred shares | — | — | — | — | — | $638k | $1.1m | — | |
| Interest on loans receivable | $49.3m | $52.4m | $65.5m | $69.9m | $95.8m | $130.5m | $162.5m | — | |
| Interest on deposits due from banks | $617k | $84k | $20k | $713k | $5.0m | $8.7m | $4.7m | — | |
| Interest and dividend on securities and FHLBNY stock | $568k | $866k | $1.5m | $12.2m | $25.1m | $23.5m | $18.4m | — | |
| Interest on certificates of deposit | $7.7m | $6.6m | $4.2m | $3.5m | $16.6m | $27.8m | $28.4m | — | |
| Interest on other deposits | $2.8m | $2.2m | $1.4m | $6.5m | $18.6m | $30.9m | $36.7m | — | |
| Interest on borrowings | $1.9m | $2.6m | $2.6m | $6.2m | $25.5m | $27.5m | $20.6m | — | |
| Provision for credit losses (Note 3) (Note 5) | — | — | $2.7m | $24.0m | $973k | $1.3m | $3.8m | — | |
| Service charges and fees | $971k | $892k | $1.7m | $1.8m | $2.0m | $2.0m | $2.1m | — | |
| Brokerage commissions | $212k | $974k | $1.3m | $1.0m | $80k | $61k | $35k | — | |
| Late and prepayment charges | $755k | $358k | $1.2m | $623k | $2.4m | $1.2m | $2.8m | — | |
| Income on sale of mortgage loans | — | $4.1m | $5.3m | $741k | $598k | $1.0m | $622k | — | |
| Income on sale of SBA loans | — | — | — | — | — | $148k | $404k | — | |
| Loan origination | — | $925k | $3.0m | $1.3m | — | — | — | — | |
| Grant income | — | — | — | — | $4.2m | — | $1.3m | — | |
| Loss on sale of premises and equipment | — | $4.2m | $20.3m | ($436k) | — | — | — | — | |
| Other | $745k | $1.8m | $1.9m | $1.4m | $1.0m | $2.8m | $2.2m | — | |
| Compensation and benefits | $18.9m | $22.1m | $23.3m | $27.9m | $30.7m | $30.9m | $31.4m | — | |
| Occupancy and equipment | $7.6m | $9.6m | $11.3m | $14.0m | $14.6m | $14.9m | $15.8m | $15.5m | |
| Data processing expenses | $1.6m | $2.1m | $3.0m | $3.8m | $5.1m | $4.4m | $4.9m | — | |
| Direct loan expenses | $692k | $1.4m | $3.9m | $2.5m | $1.6m | $2.6m | $900k | — | |
| Insurance and surety bond premiums | $414k | $553k | $585k | $870k | $1.0m | $1.1m | $1.3m | — | |
| Office supplies, telephone and postage | $1.2m | $1.4m | $2.1m | $1.6m | $1.5m | $998k | $700k | — | |
| Professional fees | $3.2m | $6.0m | $7.6m | $5.9m | $7.1m | $6.1m | $5.5m | — | |
| Microloans recoveries | — | — | — | — | ($1.5m) | ($201k) | — | — | |
| Marketing and promotional expenses | $158k | $488k | $206k | $593k | $825k | $714k | $627k | — | |
| Federal deposit insurance and regulatory assessment | — | — | — | $704k | $1.5m | $1.6m | $1.4m | — |