Ponce Financial reports Q2 EPS 25c vs 14c last year
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 25 2025
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Net Interest Margin Increase: Ponce Financial Group reported a net interest margin of 3.27% for Q2 2025, up from 2.98% in the previous quarter and 2.62% in the same period last year, marking significant growth.
Progress on Capital Investment Program: The company is on track with the U.S. Treasury's Emergency Capital Investment Program, achieving 80% deep impact lending after 12 quarters and aiming to maintain a preferred stock dividend rate of 0.50%.
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About PDLB
Ponce Financial Group, Inc. is the holding company of Ponce Bank (the Bank), a federally chartered stock savings association. It operates through an administrative office and approximately 13 full-service banking offices and five mortgage loan offices. The Bank's business primarily consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in mortgage loans, consisting of one-to-four family residential (both investor-owned and owner-occupied), multifamily residential, nonresidential properties and construction and land, and, to a lesser extent, in business and consumer loans. It also invests in securities, corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. The Bank offers a variety of deposit accounts, including demand, savings, money markets and certificates of deposit accounts. Its primary market area consists of the New York City metropolitan area.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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