Ponce Financial Group Inc. reported net income available to common stockholders of USD 9.9 million, or USD 0.42 per diluted share, for the fourth quarter (Q4) ended December 31, 2025. Total net income for the quarter was USD 10.1 million. The company’s net interest margin for Q4 2025 was 3.57%, reflecting an increase of 78 basis points compared to the same quarter last year. Return on average assets stood at 1.26%, while return on common equity reached 12.50%. As of December 31, 2025, net loans receivable were USD 2.6 billion, representing a 13.67% increase year-over-year. Deposits amounted to USD 2.1 billion, up 7.99% from the previous year. The efficiency ratio improved to 52.95% in Q4 2025. Ponce Financial Group Inc.’s total capital to risk-weighted assets ratio was 23.72% at the end of the period. The company paid dividends of USD 0.3 million during the quarter.

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