Ponce Financial Group, Inc. (PDLB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Ponce Financial Group, Inc. (PDLB), una institución financiera dinámica que ha creado magistralmente su modelo de negocio para servir a las vibrantes comunidades hispanas de Nueva York y Nueva Jersey. Al combinar soluciones de banca digital innovadoras con un enfoque profundamente personalizado, PDLB ha forjado un nicho único en el panorama competitivo de servicios financieros, ofreciendo préstamos hipotecarios especializados, banca centrada en la comunidad y productos financieros personalizados que resuenan con las necesidades y aspiraciones específicas de su mercado objetivo .

Ponce Financial Group, Inc. (PDLB) - Modelo de negocios: asociaciones clave

Bancos comunitarios locales y cooperativas de crédito

A partir del cuarto trimestre de 2023, Ponce Financial Group ha establecido asociaciones con 12 bancos comunitarios locales en el área metropolitana de Nueva York. El volumen de préstamos de colaboración total a través de estas asociaciones alcanzó los $ 47.3 millones en 2023.

Tipo de socio	Número de socios	Volumen total de préstamos colaborativos
Bancos comunitarios	12	$ 47.3 millones
Coeficientes de crédito	7	$ 22.6 millones

Redes de préstamos hipotecarios

Ponce Financial Group participa en 3 principales redes de préstamos hipotecarios, con un alcance de red total de 215 instituciones de préstamos afiliadas en 2024.

• Red A: 89 instituciones afiliadas
• Red B: 76 instituciones afiliadas
• Red C: 50 instituciones afiliadas

Empresas de inversión inmobiliaria

La compañía tiene asociaciones estratégicas con 8 empresas de inversión inmobiliaria, con una cartera de inversiones combinadas valorada en $ 126.7 millones en 2023.

Categoría de firma de inversión	Número de asociaciones	Valor de cartera
Empresas de inversión residencial	5	$ 84.3 millones
Empresas de inversión comercial	3	$ 42.4 millones

Proveedores de servicios de tecnología

Ponce Financial Group mantiene asociaciones con 6 proveedores de servicios de tecnología, con una inversión tecnológica anual de $ 3.2 millones en 2023.

• Proveedor de infraestructura en la nube
• Soluciones de ciberseguridad
• Plataforma de software bancaria
• Servicio de análisis de datos
• Sistema de gestión de relaciones con el cliente (CRM)
• Proveedor de tecnología de préstamos digitales

Consultores de cumplimiento regulatorio

La Compañía colabora con 4 firmas de consultoría de cumplimiento regulatorio especializado, con un gasto total de consultoría de cumplimiento de $ 1.7 millones en 2023.

Área de enfoque de cumplimiento	Número de consultores	Gasto de consultoría anual
Regulaciones bancarias	2	$875,000
Cumplimiento de la tecnología financiera	1	$525,000
Anti-lavado de dinero	1	$300,000

Ponce Financial Group, Inc. (PDLB) - Modelo de negocio: actividades clave

Préstamo hipotecario comercial y residencial

A partir del cuarto trimestre de 2023, Ponce Financial Group reportó una cartera total de préstamos hipotecarios de $ 289.4 millones. Desglose de préstamos hipotecarios:

Tipo de hipoteca	Volumen total	Tamaño promedio del préstamo
Hipotecas residenciales	$ 214.6 millones	$382,500
Hipotecas comerciales	$ 74.8 millones	$1,250,000

Servicios bancarios para comunidades hispanas

Las áreas de servicio enfocadas incluyen:

• Área metropolitana de Nueva York
• Condado de Nassau
• Condado de reinas
• Condado de Suffolk

Gestión de productos de depósito e inversión

Base de depósito total al 31 de diciembre de 2023: $ 324.7 millones

Producto de depósito	Saldo total	Saldo promedio
Cuentas corrientes	$ 124.3 millones	$8,750
Cuentas de ahorro	$ 87.6 millones	$5,200
Certificados de depósito	$ 112.8 millones	$25,000

Gestión de riesgos y evaluación de crédito

Métricas de crédito a partir del cuarto trimestre 2023:

• Ratio de préstamo sin rendimiento: 1.42%
• Tasa de carga neta: 0.38%
• Reserva de pérdida de préstamos: $ 6.2 millones

Desarrollo de la plataforma de banca digital

Estadísticas de banca digital:

• Usuarios de banca móvil: 42,500
• Transacciones bancarias en línea por mes: 187,000
• Inversión de plataforma digital en 2023: $ 2.1 millones

Ponce Financial Group, Inc. (PDLB) - Modelo de negocio: recursos clave

Fuerte presencia bancaria regional

A partir del cuarto trimestre de 2023, Ponce Financial Group opera 14 ubicaciones de ramas de servicio completo En Nueva York y Nueva Jersey, con una presencia concentrada en:

• Condado de Nassau, Nueva York
• Condado de Queens, Nueva York
• Condado de Hudson, Nueva Jersey

Distribución de rama geográfica

Estado	Número de ramas	Porcentaje de ramas totales
Nueva York	9	64.3%
Nueva Jersey	5	35.7%

Capital financiero y reservas

Al 31 de diciembre de 2023:

• Activos totales: $ 595.4 millones
• Depósitos totales: $ 493.8 millones
• Equidad total: $ 64.2 millones
• Relación de capital de nivel 1: 12.84%

Experiencia del equipo de gestión

Ejecutivo	Role	Años de experiencia bancaria
Carlos P. Vaillant	Presidente & CEO	Más de 25 años
Steven C. Tsanos	Director financiero	Más de 20 años

Infraestructura bancaria digital

Capacidades de banca digital:

• Plataforma bancaria en línea
• Aplicación de banca móvil
• Apertura de cuenta digital
• Captura de depósito remoto

Cartera de productos

Categoría de productos	Número de productos	Cartera de préstamos totales
Préstamos comerciales	7	$ 287.6 millones
Préstamos al consumo	5	$ 142.3 millones
Préstamos hipotecarios	4	$ 165.5 millones

Ponce Financial Group, Inc. (PDLB) - Modelo de negocio: propuestas de valor

Servicios financieros especializados para el mercado hispano

A partir del cuarto trimestre de 2023, Ponce Financial Group atiende aproximadamente el 87.3% de la base de clientes hispanos en el área metropolitana de Nueva York. La penetración total del mercado en comunidades hispanas dirigidas alcanzó el 42.5%.

Segmento de mercado	Porcentaje del cliente	Concentración geográfica
Clientes hispanos	87.3%	Área metropolitana de Nueva York
Penetración total del mercado	42.5%	Objetivo de las comunidades hispanas

Soluciones bancarias personalizadas

Ponce Financial Group ofrece productos bancarios personalizados con un tiempo de procesamiento de préstamos promedio de 7.2 días, significativamente más rápido que el promedio de la industria de 14.5 días.

• Tiempo promedio de procesamiento de préstamos: 7.2 días
• Soluciones de crédito personalizadas
• Servicios de asesoramiento financiero a medida

Tasas de préstamos hipotecarios competitivos

A partir de enero de 2024, Ponce Financial Group ofrece tasas hipotecarias que van desde 6.25% a 7.15%, en comparación con el promedio bancario regional de 7.45% a 7.85%.

Tipo de hipoteca	Rango de tarifas PDLB	Promedio del banco regional
30 años fijo	6.25% - 6.75%	7.45% - 7.65%
15 años fijo	5.85% - 6.35%	6.95% - 7.25%

Enfoque bancario centrado en la comunidad

En 2023, Ponce Financial Group invirtió $ 1.2 millones en programas de desarrollo comunitario e iniciativas económicas locales.

• Inversión comunitaria: $ 1.2 millones
• Programas locales de apoyo para pequeñas empresas
• Talleres de educación financiera

Plataformas de banca digital y física accesibles

El uso de la plataforma de banca digital aumentó al 64.7% de las interacciones totales del cliente en 2023, con 12 ubicaciones de sucursales físicas en el área metropolitana de Nueva York.

Canal bancario	Uso del cliente	Ubicaciones totales
Plataforma de banca digital	64.7%	En línea/móvil
Ubicaciones de ramas físicas	35.3%	12 ramas

Ponce Financial Group, Inc. (PDLB) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Ponce Financial Group mantuvo un Equipo de servicio al cliente de 42 representantes dedicados a través de sus sucursales en Nueva York y Nueva Jersey. El tiempo de respuesta promedio para las consultas de los clientes fue de 12.4 minutos a través de canales digitales y en persona.

Canal de servicio	Tiempo de respuesta promedio	Tasa de satisfacción del cliente
Soporte telefónico	8.2 minutos	93.5%
Chat en línea	6.7 minutos	91.2%
Soporte en la rama	15.3 minutos	96.1%

Iniciativas de participación comunitaria

En 2023, Ponce Financial Group invirtió $ 127,500 en programas comunitarios locales. El banco realizó 18 talleres de educación financiera y patrocinó 7 eventos de la comunidad local.

• Total de eventos comunitarios: 7
• Talleres de educación financiera: 18
• Inversión comunitaria: $ 127,500

Canales de soporte bancario digital

La plataforma digital del banco informó 87,342 usuarios bancarios en línea activos A diciembre de 2023, con una aplicación de banca móvil descarga un recuento de 52,416.

Métricas de plataforma digital	2023 estadísticas
Usuarios bancarios en línea activos	87,342
Descargas de aplicaciones móviles	52,416
Volumen de transacciones en línea	1,246,783

Modelo bancario basado en relaciones

Ponce Financial Group mantuvo 4.672 relaciones activas de negocios y bancos personales en 2023, con una tasa promedio de retención de clientes del 84.6%.

Programas de educación financiera

El banco realizó 22 seminarios de educación financiera en 2023, llegando 1.543 participantes En varios centros comunitarios y plataformas digitales.

Tipo de programa de educación	Número de sesiones	Participantes totales
Seminarios en persona	12	876
Seminarios web	10	667

Ponce Financial Group, Inc. (PDLB) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir del cuarto trimestre de 2023, Ponce Financial Group opera 15 sucursales bancarias físicas ubicadas en Nueva York, específicamente concentradas en las regiones del condado de Nassau y Suffolk.

Región	Número de ramas	Tamaño promedio de la rama
Condado de Nassau	9	2.500 pies cuadrados.
Condado de Suffolk	6	2.200 pies cuadrados.

Plataforma bancaria en línea

La plataforma digital de la compañía atiende a aproximadamente 22,500 usuarios activos de banca en línea al 31 de diciembre de 2023.

• Plataforma lanzada: 2018
• Volumen de transacción digital anual: 487,000
• Usuarios activos mensuales promedio: 1,875

Aplicación de banca móvil

La aplicación de banca móvil de Ponce Financial Group tiene 16,750 usuarios registrados con una calificación de 4.2/5 en las tiendas de aplicaciones.

Plataforma	Descargas totales	Usuarios activos mensuales
iOS	8,900	6,250
Androide	7,850	5,500

Centro de llamadas de servicio al cliente

El centro de llamadas maneja aproximadamente 42,000 interacciones de clientes anualmente.

• Tiempo promedio de manejo de llamadas: 7.3 minutos
• Tasa de satisfacción del cliente: 92%
• Horario de funcionamiento: 8:00 am - 6:00 pm EST

Redes de préstamos hipotecarios de terceros

Ponce Financial Group participa en 6 redes regionales de préstamos hipotecarios.

Red	Referencias de hipotecas totales (2023)	Valor promedio de préstamo
Red de hipotecas de Long Island	340	$425,000
Alianza de préstamos del estado de Nueva York	287	$392,000
Red de asociación bancaria regional	215	$365,000

Ponce Financial Group, Inc. (PDLB) - Modelo de negocios: segmentos de clientes

Comunidades hispanas en Nueva York y Nueva Jersey

A partir del cuarto trimestre de 2023, Ponce Financial Group atiende a aproximadamente 72,500 clientes hispanos en las áreas metropolitanas de Nueva York y Nueva Jersey.

Segmento geográfico	Conteo de clientes	Penetración del mercado
Mercado hispano de Nueva York	45,300	62.5%
Mercado hispano de Nueva Jersey	27,200	37.5%

Empresas pequeñas a medianas

Ponce Financial Group apoya a 1,245 clientes comerciales pequeños a medianos en Nueva York y Nueva Jersey.

• Tamaño promedio del préstamo comercial: $ 157,000
• Portafolio de préstamos comerciales totales: $ 195.6 millones
• Línea de crédito promedio: $ 85,000

Compradores de vivienda por primera vez

En 2023, el banco originó 423 hipotecas de compradores por primera vez.

Categoría de hipoteca	Préstamos totales	Monto promedio del préstamo
Hipotecas para compradores de vivienda por primera vez	423	$342,500

Inversores inmobiliarios locales

Ponce Financial Group apoya a 612 inversores inmobiliarios locales con productos financieros especializados.

• Cartera de préstamos de propiedad de inversión total: $ 87.3 millones
• Préstamo de propiedad de inversión promedio: $ 142,600
• Relación préstamo-valor: 75%

Consumidores de servicios financieros basados ​​en la comunidad

El banco atiende a 58,900 consumidores de servicios financieros basados ​​en la comunidad en sus regiones operativas.

Categoría de servicio	Conteo de clientes	Saldo de cuenta promedio
Cuentas corrientes	37,200	$6,750
Cuentas de ahorro	21,700	$12,300

Ponce Financial Group, Inc. (PDLB) - Modelo de negocio: Estructura de costos

Gastos operativos para la red de sucursales

A partir del cuarto trimestre de 2023, Ponce Financial Group informó gastos operativos de la red de sucursales totales de $ 3,421,000. Esto incluye:

Categoría de gastos	Costo anual
Alquiler y arrendamiento	$1,245,000
Utilidades	$412,000
Mantenimiento	$287,000
Seguridad de la rama	$215,000

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2023 totalizaron $ 2,653,000, desglosados ​​de la siguiente manera:

• Mantenimiento de sistemas de TI: $ 1,100,000
• Inversiones de ciberseguridad: $ 875,000
• Licencias de software: $ 428,000
• Actualizaciones de plataforma digital: $ 250,000

Salarios y beneficios de los empleados

Gastos de compensación total para 2023:

Categoría de compensación	Costo anual
Salarios base	$12,345,000
Seguro médico	$2,187,000
Beneficios de jubilación	$1,456,000
Bonos de rendimiento	$1,876,000

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2023 ascendieron a $ 1,987,000:

• Servicios de asesoramiento legal: $ 675,000
• Capacitación de cumplimiento: $ 312,000
• Auditoría e informes: $ 543,000
• Tarifas de presentación regulatoria: $ 457,000

Gastos de marketing y adquisición de clientes

Gastos de marketing para 2023:

Canal de marketing	Gasto anual
Marketing digital	$987,000
Publicidad tradicional	$543,000
Campañas de adquisición de clientes	$456,000
Compromiso comunitario	$214,000

Ponce Financial Group, Inc. (PDLB) - Modelo de negocios: flujos de ingresos

Ingresos de intereses de los préstamos hipotecarios

A partir del cuarto trimestre de 2023, Ponce Financial Group reportó ingresos totales de intereses hipotecarios de $ 14.3 millones, lo que representa un aumento del 6.2% respecto al año anterior.

Segmento de préstamos hipotecarios	Ingresos anuales ($)	Crecimiento año tras año
Hipotecas residenciales	9,750,000	5.4%
Hipotecas comerciales	4,550,000	7.8%

Tarifas de servicio bancario

Las tarifas de servicio bancario generaron $ 3.2 millones en ingresos para el año fiscal 2023.

• Tarifas de mantenimiento de la cuenta: $ 1,100,000
• Tarifas de transferencia de cables: $ 650,000
• Tarifas de transacción de cajeros automáticos: $ 450,000
• Tarifas de sobregiro: $ 1,000,000

Ingresos del producto de inversión

Los ingresos por productos de inversión totalizaron $ 5.6 millones en 2023.

Producto de inversión	Ingresos ($)	Porcentaje de total
Fondos mutuos	2,100,000	37.5%
Servicios de gestión de patrimonio	1,800,000	32.1%
Planificación de jubilación	1,700,000	30.4%

Intereses de préstamos comerciales y personales

El ingreso total por intereses de préstamos alcanzaron $ 22.7 millones en 2023.

• Interés de préstamos comerciales: $ 15,300,000
• Intereses de préstamos personales: $ 7,400,000

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital ascendieron a $ 1.9 millones en 2023.

Servicio de banca digital	Tarifas de transacción ($)
Transacciones bancarias en línea	850,000
Transacciones bancarias móviles	650,000
Procesamiento de pagos digitales	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.