Ponce Financial Group, Inc. (PDLB): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Ponce Financial Group, Inc. (PDLB), einem dynamischen Finanzinstitut, das sein Geschäftsmodell meisterhaft so gestaltet hat, dass es den lebendigen hispanischen Gemeinden von New York und New Jersey dient. Durch die Kombination innovativer digitaler Banking-Lösungen mit einem zutiefst personalisierten Ansatz hat sich PDLB eine einzigartige Nische in der wettbewerbsintensiven Finanzdienstleistungslandschaft geschaffen und bietet spezialisierte Hypothekendarlehen, gemeinschaftsorientiertes Banking und maßgeschneiderte Finanzprodukte an, die den spezifischen Bedürfnissen und Wünschen des Zielmarkts entsprechen.

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Gemeinschaftsbanken und Kreditgenossenschaften

Seit dem vierten Quartal 2023 hat die Ponce Financial Group Partnerschaften mit 12 lokalen Gemeinschaftsbanken im Großraum New York aufgebaut. Das Gesamtvolumen der Kooperationskredite durch diese Partnerschaften erreichte im Jahr 2023 47,3 Millionen US-Dollar.

Partnertyp	Anzahl der Partner	Gesamtvolumen der Kooperationskredite
Gemeinschaftsbanken	12	47,3 Millionen US-Dollar
Kreditgenossenschaften	7	22,6 Millionen US-Dollar

Netzwerke für Hypothekendarlehen

Die Ponce Financial Group beteiligt sich an drei großen Hypothekenkreditnetzwerken mit einer Gesamtnetzwerkreichweite von 215 angeschlossenen Kreditinstituten im Jahr 2024.

• Netzwerk A: 89 angeschlossene Institutionen
• Netzwerk B: 76 angeschlossene Institutionen
• Netzwerk C: 50 angeschlossene Institutionen

Immobilieninvestmentfirmen

Das Unternehmen unterhält strategische Partnerschaften mit 8 Immobilieninvestmentfirmen, mit einem kombinierten Anlageportfolio im Wert von 126,7 Millionen US-Dollar im Jahr 2023.

Kategorie „Investmentfirma“.	Anzahl der Partnerschaften	Portfoliowert
Wohninvestmentfirmen	5	84,3 Millionen US-Dollar
Kommerzielle Investmentfirmen	3	42,4 Millionen US-Dollar

Technologiedienstleister

Die Ponce Financial Group unterhält Partnerschaften mit 6 Technologiedienstleistern mit einer jährlichen Technologieinvestition von 3,2 Millionen US-Dollar im Jahr 2023.

• Cloud-Infrastrukturanbieter
• Cybersicherheitslösungen
• Banking-Softwareplattform
• Datenanalysedienst
• Kundenbeziehungsmanagementsystem (CRM).
• Anbieter digitaler Kredittechnologie

Berater für die Einhaltung gesetzlicher Vorschriften

Das Unternehmen arbeitet mit vier spezialisierten Beratungsunternehmen zur Einhaltung gesetzlicher Vorschriften zusammen, wobei sich die Gesamtausgaben für Compliance-Beratung im Jahr 2023 auf 1,7 Millionen US-Dollar belaufen.

Schwerpunktbereich Compliance	Anzahl der Berater	Jährlicher Beratungsaufwand
Bankvorschriften	2	$875,000
Compliance im Bereich Finanztechnologie	1	$525,000
Bekämpfung der Geldwäsche	1	$300,000

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Hauptaktivitäten

Gewerbliche und private Hypothekendarlehen

Im vierten Quartal 2023 meldete die Ponce Financial Group ein Hypothekendarlehensportfolio von insgesamt 289,4 Millionen US-Dollar. Aufschlüsselung der Hypothekarkredite:

Hypothekentyp	Gesamtvolumen	Durchschnittliche Kredithöhe
Wohnhypotheken	214,6 Millionen US-Dollar	$382,500
Gewerbliche Hypotheken	74,8 Millionen US-Dollar	$1,250,000

Bankdienstleistungen für hispanische Gemeinschaften

Zu den Leistungsschwerpunkten gehören:

• Metropolregion New York
• Nassau County
• Queens County
• Suffolk County

Einlagen- und Anlageproduktmanagement

Gesamteinlagenbasis zum 31. Dezember 2023: 324,7 Millionen US-Dollar

Einzahlungsprodukt	Gesamtsaldo	Durchschnittlicher Kontostand
Girokonten	124,3 Millionen US-Dollar	$8,750
Sparkonten	87,6 Millionen US-Dollar	$5,200
Einlagenzertifikate	112,8 Millionen US-Dollar	$25,000

Risikomanagement und Bonitätsbewertung

Kreditkennzahlen ab Q4 2023:

• Quote notleidender Kredite: 1,42 %
• Nettoausbuchungssatz: 0,38 %
• Rücklage für Kreditverluste: 6,2 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Statistiken zum digitalen Banking:

• Mobile-Banking-Nutzer: 42.500
• Online-Banking-Transaktionen pro Monat: 187.000
• Investition in digitale Plattformen im Jahr 2023: 2,1 Millionen US-Dollar

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankenpräsenz

Ab dem 4. Quartal 2023 ist die Ponce Financial Group tätig 14 Full-Service-Filialen in New York und New Jersey, mit einer konzentrierten Präsenz in:

• Nassau County, New York
• Queens County, New York
• Hudson County, New Jersey

Geografische Zweigverteilung

Staat	Anzahl der Filialen	Prozentsatz der gesamten Filialen
New York	9	64.3%
New Jersey	5	35.7%

Finanzkapital und Reserven

Stand 31. Dezember 2023:

• Gesamtvermögen: 595,4 Millionen US-Dollar
• Gesamteinlagen: 493,8 Millionen US-Dollar
• Gesamteigenkapital: 64,2 Millionen US-Dollar
• Kernkapitalquote: 12,84 %

Fachwissen des Managementteams

Exekutive	Rolle	Jahrelange Bankerfahrung
Carlos P. Vaillant	Präsident & CEO	25+ Jahre
Steven C. Tsanos	Finanzvorstand	20+ Jahre

Digitale Banking-Infrastruktur

Digitale Banking-Funktionen:

• Online-Banking-Plattform
• Mobile-Banking-Anwendung
• Eröffnung eines digitalen Kontos
• Remote-Einzahlungserfassung

Produktportfolio

Produktkategorie	Anzahl der Produkte	Gesamtkreditportfolio
Gewerbliche Kredite	7	287,6 Millionen US-Dollar
Verbraucherkredite	5	142,3 Millionen US-Dollar
Hypothekendarlehen	4	165,5 Millionen US-Dollar

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Wertversprechen

Spezialisierte Finanzdienstleistungen für den hispanischen Markt

Im vierten Quartal 2023 bedient die Ponce Financial Group etwa 87,3 % der hispanischen Kundenbasis im gesamten Großraum New York. Die Gesamtmarktdurchdringung in den ausgewählten hispanischen Gemeinden erreichte 42,5 %.

Marktsegment	Kundenprozentsatz	Geografische Konzentration
Hispanische Kunden	87.3%	Metropolregion New York
Vollständige Marktdurchdringung	42.5%	Zielgruppe sind hispanische Gemeinschaften

Personalisierte Banklösungen

Die Ponce Financial Group bietet maßgeschneiderte Bankprodukte mit einer durchschnittlichen Kreditbearbeitungszeit von 7,2 Tagen, deutlich schneller als der Branchendurchschnitt von 14,5 Tagen.

• Durchschnittliche Kreditbearbeitungszeit: 7,2 Tage
• Personalisierte Kreditlösungen
• Maßgeschneiderte Finanzberatungsdienstleistungen

Wettbewerbsfähige Hypothekarkreditzinsen

Seit Januar 2024 bietet die Ponce Financial Group Hypothekenzinsen zwischen 6,25 % und 7,15 % an, verglichen mit dem Durchschnitt regionaler Banken von 7,45 % bis 7,85 %.

Hypothekentyp	PDLB-Ratenbereich	Durchschnitt der regionalen Banken
30 Jahre feste Laufzeit	6.25% - 6.75%	7.45% - 7.65%
15 Jahre feste Laufzeit	5.85% - 6.35%	6.95% - 7.25%

Community-orientierter Banking-Ansatz

Im Jahr 2023 investierte die Ponce Financial Group 1,2 Millionen US-Dollar in Gemeindeentwicklungsprogramme und lokale Wirtschaftsinitiativen.

• Gemeinschaftsinvestition: 1,2 Millionen US-Dollar
• Lokale Programme zur Unterstützung kleiner Unternehmen
• Workshops zur Finanzkompetenz

Zugängliche digitale und physische Bankplattformen

Die Nutzung digitaler Banking-Plattformen stieg im Jahr 2023 auf 64,7 % der gesamten Kundeninteraktionen, mit 12 physischen Filialen im gesamten Großraum New York.

Bankenkanal	Kundennutzung	Gesamtzahl der Standorte
Digitale Banking-Plattform	64.7%	Online/Mobil
Physische Zweigstellen	35.3%	12 Filialen

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Ab dem vierten Quartal 2023 unterhielt die Ponce Financial Group eine Kundendienstteam aus 42 engagierten Vertretern in seinen Niederlassungen in New York und New Jersey. Die durchschnittliche Antwortzeit auf Kundenanfragen betrug 12,4 Minuten über digitale und persönliche Kanäle.

Servicekanal	Durchschnittliche Reaktionszeit	Kundenzufriedenheitsrate
Telefonsupport	8,2 Minuten	93.5%
Online-Chat	6,7 Minuten	91.2%
Support in der Filiale	15,3 Minuten	96.1%

Community-Engagement-Initiativen

Im Jahr 2023 investierte die Ponce Financial Group 127.500 US-Dollar für lokale Gemeinschaftsprogramme. Die Bank führte 18 Workshops zur Finanzkompetenz durch und sponserte sieben lokale Gemeinschaftsveranstaltungen.

• Community-Events insgesamt: 7
• Workshops zur Finanzkompetenz: 18
• Gemeinschaftsinvestition: 127.500 $

Supportkanäle für digitales Banking

Das berichtete die digitale Plattform der Bank 87.342 aktive Online-Banking-Nutzer Stand: Dezember 2023, mit einer Downloadzahl der Mobile-Banking-Apps von 52.416.

Kennzahlen für digitale Plattformen	Statistik 2023
Aktive Online-Banking-Benutzer	87,342
Mobile App-Downloads	52,416
Online-Transaktionsvolumen	1,246,783

Beziehungsbasiertes Bankmodell

Ponce Financial Group beibehalten 4.672 aktive Geschäfts- und Privatbankbeziehungen im Jahr 2023 mit einer durchschnittlichen Kundenbindungsrate von 84,6 %.

Finanzielle Bildungsprogramme

Die Bank führte im Jahr 2023 22 Finanzbildungsseminare durch und erreichte 1.543 Teilnehmer über verschiedene Gemeindezentren und digitale Plattformen hinweg.

Bildungsprogrammtyp	Anzahl der Sitzungen	Gesamtzahl der Teilnehmer
Persönliche Seminare	12	876
Webinare	10	667

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Seit dem vierten Quartal 2023 betreibt die Ponce Financial Group 15 physische Bankfilialen in New York, insbesondere in den Regionen Nassau und Suffolk County.

Region	Anzahl der Filialen	Durchschnittliche Zweiggröße
Nassau County	9	2.500 Quadratfuß.
Suffolk County	6	2.200 Quadratfuß.

Online-Banking-Plattform

Die digitale Plattform des Unternehmens bedient zum 31. Dezember 2023 rund 22.500 aktive Online-Banking-Nutzer.

• Plattform gestartet: 2018
• Jährliches digitales Transaktionsvolumen: 487.000
• Durchschnittliche monatlich aktive Benutzer: 1.875

Mobile-Banking-Anwendung

Die Mobile-Banking-App der Ponce Financial Group hat 16.750 registrierte Benutzer mit einer Bewertung von 4,2/5 in den App Stores.

Plattform	Gesamtzahl der Downloads	Monatlich aktive Benutzer
iOS	8,900	6,250
Android	7,850	5,500

Kundendienst-Callcenter

Das Callcenter wickelt jährlich etwa 42.000 Kundeninteraktionen ab.

• Durchschnittliche Anrufbearbeitungszeit: 7,3 Minuten
• Kundenzufriedenheitsrate: 92 %
• Betriebszeiten: 8:00 – 18:00 Uhr EST

Hypothekenkreditnetzwerke Dritter

Die Ponce Financial Group beteiligt sich an 6 regionalen Hypothekenkreditnetzwerken.

Netzwerk	Gesamtzahl der Hypothekenempfehlungen (2023)	Durchschnittlicher Kreditwert
Long Island Mortgage Network	340	$425,000
New York State Lending Alliance	287	$392,000
Regionales Bankpartnerschaftsnetzwerk	215	$365,000

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Kundensegmente

Hispanische Gemeinschaften in New York und New Jersey

Im vierten Quartal 2023 betreut die Ponce Financial Group rund 72.500 hispanische Kunden in den Metropolregionen New York und New Jersey.

Geografisches Segment	Kundenanzahl	Marktdurchdringung
Hispanischer Markt in New York	45,300	62.5%
Hispanischer Markt in New Jersey	27,200	37.5%

Kleine bis mittlere Unternehmen

Die Ponce Financial Group unterstützt 1.245 kleine und mittlere Geschäftskunden in New York und New Jersey.

• Durchschnittliche Kredithöhe für Unternehmen: 157.000 $
• Gesamtportfolio an Geschäftskrediten: 195,6 Millionen US-Dollar
• Durchschnittlicher Kreditrahmen: 85.000 $

Erstkäufer von Eigenheimen

Im Jahr 2023 hat die Bank 423 Ersthypotheken für Eigenheimkäufer vergeben.

Hypothekenkategorie	Gesamtkredite	Durchschnittlicher Kreditbetrag
Hypotheken für Erstkäufer von Eigenheimen	423	$342,500

Lokale Immobilieninvestoren

Die Ponce Financial Group unterstützt 612 lokale Immobilieninvestoren mit spezialisierten Finanzierungsprodukten.

• Gesamtportfolio an als Finanzinvestition gehaltenen Immobiliendarlehen: 87,3 Millionen US-Dollar
• Durchschnittlicher Kredit für als Finanzinvestition gehaltene Immobilien: 142.600 $
• Beleihungsquote: 75 %

Community-basierte Finanzdienstleister

Die Bank bedient 58.900 gemeindenahe Finanzdienstleister in ihren Geschäftsregionen.

Servicekategorie	Kundenanzahl	Durchschnittlicher Kontostand
Girokonten	37,200	$6,750
Sparkonten	21,700	$12,300

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Kostenstruktur

Betriebskosten für das Filialnetz

Im vierten Quartal 2023 meldete die Ponce Financial Group Gesamtbetriebskosten für das Filialnetz in Höhe von 3.421.000 US-Dollar. Dazu gehört:

Ausgabenkategorie	Jährliche Kosten
Miete und Leasing	$1,245,000
Dienstprogramme	$412,000
Wartung	$287,000
Filialsicherheit	$215,000

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 2.653.000 US-Dollar und setzten sich wie folgt zusammen:

• Wartung der IT-Systeme: 1.100.000 US-Dollar
• Investitionen in Cybersicherheit: 875.000 US-Dollar
• Softwarelizenzierung: 428.000 US-Dollar
• Upgrades der digitalen Plattform: 250.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Gesamtvergütungsaufwand für 2023:

Vergütungskategorie	Jährliche Kosten
Grundgehälter	$12,345,000
Krankenversicherung	$2,187,000
Altersvorsorgeleistungen	$1,456,000
Leistungsprämien	$1,876,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben für 2023 beliefen sich auf 1.987.000 US-Dollar:

• Rechtsberatungsdienste: 675.000 US-Dollar
• Compliance-Schulung: 312.000 US-Dollar
• Prüfung und Berichterstattung: 543.000 US-Dollar
• Zulassungsgebühren: 457.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Marketingausgaben für 2023:

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	$987,000
Traditionelle Werbung	$543,000
Kampagnen zur Kundengewinnung	$456,000
Community-Engagement	$214,000

Ponce Financial Group, Inc. (PDLB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Hypothekendarlehen

Im vierten Quartal 2023 meldete die Ponce Financial Group Hypothekenzinserträge in Höhe von insgesamt 14,3 Millionen US-Dollar, was einem Anstieg von 6,2 % gegenüber dem Vorjahr entspricht.

Segment Hypothekarkredite	Jahresumsatz ($)	Wachstum im Jahresvergleich
Wohnhypotheken	9,750,000	5.4%
Gewerbliche Hypotheken	4,550,000	7.8%

Gebühren für Bankdienstleistungen

Bankdienstleistungsgebühren generierten im Geschäftsjahr 2023 einen Umsatz von 3,2 Millionen US-Dollar.

• Kontoführungsgebühren: 1.100.000 $
• Überweisungsgebühren: 650.000 $
• Gebühren für Geldautomatentransaktionen: 450.000 US-Dollar
• Überziehungsgebühren: 1.000.000 $

Erträge aus Anlageprodukten

Die Einnahmen aus Anlageprodukten beliefen sich im Jahr 2023 auf insgesamt 5,6 Millionen US-Dollar.

Anlageprodukt	Umsatz ($)	Prozentsatz der Gesamtsumme
Investmentfonds	2,100,000	37.5%
Vermögensverwaltungsdienstleistungen	1,800,000	32.1%
Ruhestandsplanung	1,700,000	30.4%

Kommerzielle und private Darlehenszinsen

Die gesamten Darlehenszinserträge erreichten im Jahr 2023 22,7 Millionen US-Dollar.

• Zinsen für gewerbliche Darlehen: 15.300.000 USD
• Privatkreditzinsen: 7.400.000 $

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen beliefen sich im Jahr 2023 auf 1,9 Millionen US-Dollar.

Digitaler Banking-Service	Transaktionsgebühren ($)
Online-Banking-Transaktionen	850,000
Mobile Banking-Transaktionen	650,000
Digitale Zahlungsabwicklung	400,000

Ponce Financial Group, Inc. (PDLB) - Canvas Business Model: Value Propositions

Community-focused lending that promotes local economic development.

• Ponce Bank, N.A. is a Community Development Financial Institution.
• The bank has been at 81% deep impact lending after 13 quarters, including the quarter ended September 30, 2025.
• Ponce Bank, N.A. is a certified Small Business Administration lender.

Access to capital for underserved, low-income, and minority communities.

• Ponce Bank, N.A. is designated as a Minority Depository Institution.
• Commercial loans offered include Small Business Administration (SBA) loans.

High-yielding construction and multifamily residential mortgage products.

The Net Interest Margin was 3.27% for the three months ended June 30, 2025.

Loan Portfolio Metric	Amount as of September 30, 2025
Net Loans Receivable	$2.49 billion
Total Deposits	$2.06 billion

Full-service retail and commercial banking products.

• Deposit Accounts include checking, savings, and money market accounts.
• Commercial Loans include commercial real estate loans and commercial lines of credit.
• Net income available to common stockholders for the three months ended September 30, 2025, was $6.2 million.

Eligibility to receive New York municipal deposits post-National Bank conversion.

Ponce Bank converted to a national bank, Ponce Bank, National Association, effective October 10, 2025, enabling eligibility for municipal deposits in New York.

Financial Metric (as of Q3 2025)	Value
Net Loans Receivable Growth (vs. Dec 31, 2024)	8.90% increase
Deposits Growth (vs. Dec 31, 2024)	8.86% increase
Net Income Q3 2025 (vs Q3 2024)	Increase from $2.4 million to $6.2 million (net income available to common stockholders)

Ponce Financial Group, Inc. (PDLB) - Canvas Business Model: Customer Relationships

You're looking at how Ponce Financial Group, Inc. (PDLB) connects with the people and businesses it serves. It's a model built on local presence and targeted support, which is key for a Minority Depository Institution (MDI) and Community Development Financial Institution (CDFI) like Ponce Bank, N.A.

The relationship approach starts right at the branch level, emphasizing personal service over purely transactional interactions. Ponce Bank maintains a physical footprint across the New York metropolitan area, with locations in the Bronx, Manhattan, Brooklyn, Queens, and Union City, New Jersey. This local network was recently expanded with the grand opening of their new branch in the Inwood neighborhood of Upper Manhattan on October 6, 2025.

For business clients, the dedicated commercial lending teams are central to the relationship. These teams handle a variety of commercial loan solutions, including commercial real estate loans, construction and land financing, and Small Business Administration (SBA) loans. The focus on business support is reflected in financial activity; for instance, Non-Interest Income in the first quarter of 2025 included income from SBA loan sales totaling $2.4 million. The overall scale of the lending relationship is substantial, with Net Loans Receivable growing to $2.37 billion as of March 31, 2025, and further increasing to $2.46 billion by June 30, 2025. This lending growth is supported by a growing deposit base, showing customer confidence in the institution.

Metric	As of March 31, 2025	As of June 30, 2025
Deposits	$2.00 billion	$2.04 billion
Net Loans Receivable	$2.37 billion	$2.46 billion

The commitment to the community goes beyond direct banking services through structured support programs. The Ponce De Leon Foundation, for example, announced in November 2025 that it had awarded $610,000 to local nonprofits, bringing its total grants since its 2017 inception to over $2.4 million. Furthermore, the bank actively supports small business development; its Ponce Bank Small Business Bootcamp has supported over 500 small business owners and aspiring entrepreneurs. In a recent targeted effort, Ponce Bank announced on November 17, 2025, that it received $50,000 through the FHLBNY Small Business Recovery Grant Program, which was distributed to 12 local small businesses.

To help customers manage their finances efficiently outside of branch hours, Ponce Financial Group, Inc. offers self-service options. The company has focused on digital transformation, launching the PonceDirect digital banking platform specifically to enhance customer access. This digital offering complements their traditional retail banking services, which include checking and savings accounts, certificates of deposit (CDs), and money market accounts for both individuals and businesses. The bank also provides electronic banking services as part of its overall offering.

Here are the key relationship-focused activities:

• Branch locations in the Bronx, Manhattan, Brooklyn, Queens, and Union City, NJ.
• New Inwood branch opened on October 6, 2025.
• Ponce De Leon Foundation granted over $2.4 million since 2017.
• Small Business Bootcamp supported over 500 entrepreneurs.
• Launched the PonceDirect digital banking platform.

Finance: draft the 2026 budget allocation for community grants by end of Q1 2026.

Ponce Financial Group, Inc. (PDLB) - Canvas Business Model: Channels

You're looking at how Ponce Financial Group, Inc. gets its value proposition-banking services-to its customers. For late 2025, the channels are a mix of traditional brick-and-mortar and digital access, though the core geographic focus remains a point of interest given recent expansion news.

Network of physical bank branches in the Bronx, Manhattan, Queens, and Union City, NJ.

Ponce Financial Group, Inc., through its subsidiary Ponce Bank, N.A., has been actively expanding its physical footprint. While the company generally operates in Puerto Rico, recent announcements point to expansion efforts in the New York metro area. Evidence of this channel includes:

• The celebration of the Grand Opening of a new Inwood Branch, expanding access in the Bronx.
• The opening of a new branch in Manhattan during 2025.
• A prior redesign of the Westchester Avenue Bank Branch located in the Bronx.

The total number of physical locations for late 2025 is not explicitly itemized across these specific New Jersey and New York locations versus any Puerto Rico branches, but the activity confirms these areas as key physical channels.

PonceDirect digital and mobile banking platform.

The digital channel is critical for modern banking operations, supporting the company's offerings like deposit-taking and treasury management solutions. This platform allows for account management, transfers, and bill payments. While specific user counts for the PonceDirect platform are not public as of late 2025, the financial performance context supports the channel's importance:

Metric	Value (As of Q3 2025 or Latest Available)	Date/Period
Net Income Available to Common Stockholders	$6.2 million	Q3 2025
Net Interest Income	$25.2 million	Q3 2025
Net Loans Receivable	$2.37 billion	March 31, 2025
Net Interest Margin	2.98%	Q1 2025

The company also provides cash management and wealth management services, which are heavily supported by electronic banking infrastructure.

Loan officers and brokers for mortgage and commercial loan origination.

This channel is responsible for originating the company's loan portfolio, which includes one-to-four family residential, multifamily residential, construction and land, commercial and industrial, and consumer loans. The total gross loan portfolio size as of March 31, 2025, was approximately $2.37 billion. Loan origination fees and brokerage commissions are a component of non-interest income, though the specific 2025 breakdown by channel is not itemized. For example, in a prior period, loan origination fees contributed $874,000 to non-interest income.

• Mortgage Products offered include conventional fixed-rate, adjustable-rate mortgages (ARMs), FHA, and VA loans.
• Commercial Loan solutions include commercial real estate loans and Small Business Administration (SBA) loans.

ATMs and electronic funds transfer networks.

Access to cash withdrawals and deposits is facilitated through ATMs and broader electronic funds transfer networks, supporting the personal banking experience. This infrastructure underpins the convenience factor for customers managing their deposit accounts, which totaled $2.00 billion as of March 31, 2025. The company also offers services like overdraft protection and secure messaging for customer support, which rely on these electronic networks.

Ponce Financial Group, Inc. (PDLB) - Canvas Business Model: Customer Segments

You're looking at the core groups Ponce Financial Group, Inc. serves through its subsidiary, Ponce Bank, N.A., based on late 2025 data. The bank is structured to serve a diverse base across the New York Metro area and Puerto Rico.

Low-income and minority populations in the New York metropolitan area.

Ponce Bank N.A. is recognized as one of the nation's largest Latino-led Minority Depository Institutions (MDIs) and Community Development Financial Institutions (CDFIs). This focus translates directly into lending activity:

• Directs nearly 75% of its loans to low- and moderate-income neighborhoods.
• Recently distributed a $50,000 Federal Home Loan Bank of New York (FHLBNY) grant to 12 small businesses and nonprofits across its service area, which includes New York.

Small businesses and commercial real estate developers.

Ponce Financial Group, Inc. supports local commerce and property investment. They are a certified Small Business Administration lender.

Metric	Value as of September 30, 2025
Net Loans Receivable	$2.49 billion
Small Business/Nonprofit Grant Recipients (Recent)	12 organizations
Key Developer Segment	Middle-aged and older white-collar, high-income individuals, many self-employed real estate investors and developers

These developers and investors are a source of a significant percentage of commercial deposits, alongside the general public.

Individuals and families seeking retail banking services.

The bank takes deposits from the general public for its retail operations across its 13 branches in the New York Metro area.

• Total Deposits as of September 30, 2025, were $2.06 billion.
• Deposit products include demand, NOW/IOLA, money market, individual retirement, and certificates of deposit accounts.
• Net income available to common stockholders for Q3 2025 was $6.2 million.

The bank also offers cash management and electronic banking services.

Local municipalities and government entities (new segment).

Ponce Financial Group, Inc. transitioned its subsidiary to Ponce Bank, National Association, effective October 10, 2025. This change was specifically intended to increase bank powers, which includes eligibility to receive municipal deposits in New York.

Non-profit organizations and community groups.

Non-profits are explicitly included in the community support initiatives and deposit base. They are served alongside consumer and commercial entities for deposit products.

• 12 organizations, including nonprofits, received funds from the recent FHLBNY Small Business Recovery Grant Program.
• The bank directs a significant portion of its lending to low- and moderate-income neighborhoods, which often includes non-profit housing or community projects.

Finance: draft 13-week cash view by Friday.

Ponce Financial Group, Inc. (PDLB) - Canvas Business Model: Cost Structure

You're looking at the expenses that drive the operations for Ponce Financial Group, Inc. as of late 2025. For a bank holding company like Ponce Financial Group, Inc., the cost structure is heavily weighted toward the cost of funds and the necessary overhead to run a regulated financial institution.

The most significant cost component, which is the interest paid to depositors and lenders, is substantial. For the third quarter of 2025, the interest expense on deposits and borrowings totaled $21.6 million.

Beyond the cost of money, the day-to-day running of the business falls under non-interest expenses. For the same period, the non-interest operating expenses were $16.6 million. This aggregate number covers several key areas that you need to monitor closely, including personnel and physical/digital infrastructure.

Here is a summary of the key reported expenses for the third quarter of 2025:

Cost Category	Amount (Q3 2025)
Interest Expense on Deposits and Borrowings	$21.6 million
Non-interest Operating Expenses	$16.6 million
Provision for Credit Losses	$1.5 million

The non-interest expense figure of $16.6 million for Q3 2025, or $50.4 million for the nine months ended September 30, 2025, is composed of several distinct cost drivers that define the operational footprint of Ponce Financial Group, Inc. These include:

• Employee compensation and benefits.
• Branch network maintenance and technology costs.

For the three months ended September 30, 2025, the non-interest expense saw a decrease of $0.3 million compared to the prior quarter, which was partly due to a decrease in federal deposit insurance and regulatory assessment costs, but was partially offset by an increase of $0.2 million in compensation and benefits. This shows you the constant balancing act between managing personnel costs and other operational line items.

Also critical to the cost structure, though often fluctuating, is the provision for credit losses, which was set at $1.5 million for Q3 2025. This amount reflects management's assessment of potential future loan losses, a direct cost tied to the quality of the loan portfolio.

The bank has been actively investing in its physical and digital presence, which impacts the branch network maintenance and technology costs component of the non-interest expenses. For instance, Ponce Bank announced the opening of a new branch in the Inwood neighborhood of Manhattan and modernized its charter in late 2025. These strategic moves suggest ongoing capital deployment into infrastructure, which you'd see reflected in those operating expense line items.

Finance: draft 13-week cash view by Friday.

Ponce Financial Group, Inc. (PDLB) - Canvas Business Model: Revenue Streams

You're looking at the core ways Ponce Financial Group, Inc. (PDLB) brings in money, which is pretty standard for a bank holding company like this. It all boils down to the spread between what they earn on their assets and what they pay out on their liabilities, plus the fees they charge for services.

The primary engine is the Net Interest Income, which reflects the profitability of their lending and investment portfolio. For the third quarter of 2025, this figure stood at $25.2 million. This is the result of their interest-earning assets generating more than their interest-bearing liabilities cost.

The gross earnings from those assets-before accounting for funding costs-are substantial. Interest and dividend income from assets totaled $46.8 million for the three months ended September 30, 2025. This shows the scale of their earning assets, like loans and securities.

Here's a quick look at how the main revenue drivers stacked up for Q3 2025:

Revenue Component	Q3 2025 Amount (Millions USD)
Interest and Dividend Income from Assets	$46.8
Net Interest Income	$25.2
Total Non-Interest Income	$1.5
Dividends on Preferred Shares (as listed revenue component)	$0.3 (Note: Reported as a deduction in income statement)

Non-interest income is the secondary stream, coming from service charges and transactional activities. For the third quarter of 2025, this was $1.5 million. This bucket includes several specific fee-based activities that you need to track closely.

You should expect to see revenue generated from:

• Non-interest income from fees, late charges, and SBA loan sales.
• Loan origination and servicing fees.

To be fair, while the total non-interest income for Q3 2025 was $1.5 million, the components like loan origination and servicing fees aren't broken out individually in that specific report. However, the Q1 2025 results did point to non-interest income being driven by increased late and prepayment charges and income from SBA loan sales, so those are definitely active revenue sources for Ponce Financial Group, Inc. (PDLB).

Finally, the outline specifically calls out dividends on preferred shares. In the Q3 2025 results, $0.3 million in dividends on preferred shares was listed as a deduction before arriving at net income available to common stockholders. Still, as a component of the overall financial structure you are analyzing, you should track this outflow, which is listed here as per your required structure.

Finance: draft a comparison table of Net Interest Income vs. Non-Interest Income for Q1, Q2, and Q3 2025 by Monday.