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Ponce Bank, National Association
Bronx, NY · FDIC Certificate #31189 · Chartered 03/3
Total assets
$3.49B
Total deposits
$2.29B
Total equity
$525.28M
Net loans
$2.88B
Branches (offices)
14
Net income (YTD)
$19.15M
Rank: #374 of 4,213 U.S. banks by assets · #30 of 115 in New York. Assets changed 10.9% and deposits 10.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 7.44% |
| Net interest margin (YTD) | 3.66% |
| Equity to assets | 15.07% |
| Tier 1 leverage ratio | 15.81% |
| Uninsured deposits (share of deposits) | 20.1% |
| Noncurrent loans (share of loans) | 0.81% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 126.1% |
| Real estate loans (share of loans) | 98.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.84B | 98.4% | |
| Commercial & industrial | $72.45M | 2.5% | |
| Consumer / individual | $554.00K | 0.0% | |
| Construction & development | $812.97M | 28.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.03B | $1.19B | -$2.32M | $461.05M |
| Jun 2023 | $2.66B | $1.47B | $1.65M | $442.55M |
| Jun 2024 | $2.83B | $1.63B | $7.56M | $457.75M |
| Jun 2025 | $3.14B | $2.07B | $13.45M | $483.59M |
| Jun 2026 | $3.49B | $2.29B | $19.15M | $525.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $2.21B | 13 |
| New Jersey | $79.85M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.29B.
Similar-sized banks
Cache Valley Bank ($3.49B) · Banco Do Brasil Americas ($3.47B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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