Ponce Financial Group, Inc. (PDLB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no projeto estratégico do Ponce Financial Group, Inc. (PDLB), uma instituição financeira dinâmica que criou com maestria seu modelo de negócios para servir as vibrantes comunidades hispânicas de Nova York e Nova Jersey. Ao misturar soluções inovadoras de bancos digitais inovadores com uma abordagem profundamente personalizada, o PDLB criou um nicho único no cenário de serviços financeiros competitivos, oferecendo empréstimos hipotecários especializados, bancos bancários focados na comunidade e produtos financeiros adaptados que ressoam com as necessidades e aspirações específicas do mercado-alvo e aspirações .

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: Parcerias -chave

Bancos comunitários locais e cooperativas de crédito

No quarto trimestre 2023, o Ponce Financial Group estabeleceu parcerias com 12 bancos comunitários locais na área metropolitana de Nova York. O volume total de empréstimos colaborativos através dessas parcerias atingiu US $ 47,3 milhões em 2023.

Tipo de parceiro	Número de parceiros	Volume total de empréstimos colaborativos
Bancos comunitários	12	US $ 47,3 milhões
Cooperativas de crédito	7	US $ 22,6 milhões

Redes de empréstimos hipotecários

O Ponce Financial Group participa de três principais redes de empréstimos hipotecários, com um alcance total de rede de 215 instituições de empréstimos afiliados em 2024.

• Rede A: 89 instituições afiliadas
• Rede B: 76 instituições afiliadas
• Rede C: 50 instituições afiliadas

Empresas de investimento imobiliário

A empresa possui parcerias estratégicas com 8 empresas de investimento imobiliário, com um portfólio de investimentos combinado avaliado em US $ 126,7 milhões em 2023.

Categoria da empresa de investimentos	Número de parcerias	Valor do portfólio
Empresas de investimento residencial	5	US $ 84,3 milhões
Empresas de investimento comercial	3	US $ 42,4 milhões

Provedores de serviços de tecnologia

O Ponce Financial Group mantém parcerias com 6 provedores de serviços de tecnologia, com um investimento anual de tecnologia de US $ 3,2 milhões em 2023.

• Provedor de infraestrutura em nuvem
• Soluções de segurança cibernética
• Plataforma de software bancário
• Serviço de análise de dados
• Sistema de Gerenciamento de Relacionamento ao Cliente (CRM)
• Provedor de tecnologia de empréstimo digital

Consultores de conformidade regulatória

A empresa colabora com 4 empresas especializadas de consultoria de conformidade regulatória, com gastos totais de consultoria de conformidade de US $ 1,7 milhão em 2023.

Área de foco de conformidade	Número de consultores	Gastos anuais de consultoria
Regulamentos bancários	2	$875,000
Conformidade com tecnologia financeira	1	$525,000
Lavagem anti-dinheiro	1	$300,000

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: Atividades -chave

Empréstimos hipotecários comerciais e residenciais

A partir do quarto trimestre de 2023, o Ponce Financial Group registrou uma carteira total de empréstimos hipotecários de US $ 289,4 milhões. Remutação de empréstimos hipotecários:

Tipo de hipoteca	Volume total	Tamanho médio do empréstimo
Hipotecas residenciais	US $ 214,6 milhões	$382,500
Hipotecas comerciais	US $ 74,8 milhões	$1,250,000

Serviços bancários para comunidades hispânicas

As áreas de serviço focadas incluem:

• Área metropolitana de Nova York
• Condado de Nassau
• Condado de Queens
• Condado de Suffolk

Gerenciamento de produtos de depósito e investimento

Base total de depósito em 31 de dezembro de 2023: US $ 324,7 milhões

Produto de depósito	Balanço total	Balanço médio
Contas de verificação	US $ 124,3 milhões	$8,750
Contas de poupança	US $ 87,6 milhões	$5,200
Certificados de depósito	US $ 112,8 milhões	$25,000

Gerenciamento de riscos e avaliação de crédito

Métricas de crédito a partir do quarto trimestre 2023:

• Taxa de empréstimo sem desempenho: 1,42%
• Taxa de cobrança líquida: 0,38%
• Reserva de perda de empréstimo: US $ 6,2 milhões

Desenvolvimento da plataforma bancária digital

Estatísticas bancárias digitais:

• Usuários bancários móveis: 42.500
• Transações bancárias online por mês: 187.000
• Investimento de plataforma digital em 2023: US $ 2,1 milhões

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: Recursos -chave

Forte presença bancária regional

A partir do quarto trimestre 2023, o Ponce Financial Group opera 14 locais de ramificação de serviço completo em Nova York e Nova Jersey, com uma presença concentrada em:

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

Distribuição geográfica do ramo

Estado	Número de ramificações	Porcentagem de ramificações totais
Nova Iorque	9	64.3%
Nova Jersey	5	35.7%

Capital financeiro e reservas

Em 31 de dezembro de 2023:

• Total de ativos: US $ 595,4 milhões
• Total de depósitos: US $ 493,8 milhões
• Equidade total: US $ 64,2 milhões
• Tier 1 Capital Ratio: 12,84%

Especialização da equipe de gerenciamento

Executivo	Papel	Anos de experiência bancária
Carlos P. Vaillant	Presidente & CEO	Mais de 25 anos
Steven C. Tsanos	Diretor financeiro	Mais de 20 anos

Infraestrutura bancária digital

Recursos bancários digitais:

• Plataforma bancária online
• Aplicativo bancário móvel
• Abertura da conta digital
• Captura de depósito remoto

Portfólio de produtos

Categoria de produto	Número de produtos	Portfólio total de empréstimos
Empréstimos comerciais	7	US $ 287,6 milhões
Empréstimos ao consumidor	5	US $ 142,3 milhões
Empréstimos hipotecários	4	US $ 165,5 milhões

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: proposições de valor

Serviços financeiros especializados para o mercado hispânico

A partir do quarto trimestre de 2023, o Ponce Financial Group atende a aproximadamente 87,3% da base de clientes hispânicos na área metropolitana de Nova York. A penetração total do mercado nas comunidades hispânicas direcionadas atingiu 42,5%.

Segmento de mercado	Porcentagem do cliente	Concentração geográfica
Clientes hispânicos	87.3%	Área metropolitana de Nova York
Penetração total de mercado	42.5%	Direcionar comunidades hispânicas

Soluções bancárias personalizadas

O Ponce Financial Group oferece produtos bancários personalizados com tempo médio de processamento de empréstimos de 7,2 dias, significativamente mais rápido que a média do setor de 14,5 dias.

• Tempo médio de processamento de empréstimo: 7,2 dias
• Soluções de crédito personalizadas
• Serviços de consultoria financeira personalizada

Taxas competitivas de empréstimos hipotecários

Em janeiro de 2024, o Ponce Financial Group oferece taxas de hipoteca que variam de 6,25% a 7,15%, em comparação com a média bancária regional de 7,45% a 7,85%.

Tipo de hipoteca	Faixa de taxa de PDLB	Média bancária regional
30 anos fixo	6.25% - 6.75%	7.45% - 7.65%
15 anos fixo	5.85% - 6.35%	6.95% - 7.25%

Abordagem bancária focada na comunidade

Em 2023, o Ponce Financial Group investiu US $ 1,2 milhão em programas de desenvolvimento comunitário e iniciativas econômicas locais.

• Investimento comunitário: US $ 1,2 milhão
• Programas locais de suporte para pequenas empresas
• Workshops de alfabetização financeira

Plataformas bancárias digitais e físicas acessíveis

O uso da plataforma bancária digital aumentou para 64,7% do total de interações com os clientes em 2023, com 12 locais de filiais físicas na área metropolitana de Nova York.

Canal bancário	Uso do cliente	Locais totais
Plataforma bancária digital	64.7%	Online/celular
Locais de ramificação física	35.3%	12 ramos

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: Relacionamentos do cliente

Atendimento ao cliente personalizado

A partir do quarto trimestre 2023, o Ponce Financial Group manteve um Equipe de atendimento ao cliente de 42 representantes dedicados em suas filiais em Nova York e Nova Jersey. O tempo médio de resposta para as consultas dos clientes foi de 12,4 minutos nos canais digitais e pessoais.

Canal de serviço	Tempo médio de resposta	Taxa de satisfação do cliente
Suporte telefônico	8,2 minutos	93.5%
Chat online	6,7 minutos	91.2%
Suporte no ramo	15,3 minutos	96.1%

Iniciativas de engajamento da comunidade

Em 2023, o Ponce Financial Group investiu US $ 127.500 em programas comunitários locais. O banco conduziu 18 oficinas de alfabetização financeira e patrocinou 7 eventos da comunidade local.

• Total de eventos da comunidade: 7
• Oficinas de alfabetização financeira: 18
• Investimento comunitário: US $ 127.500

Canais de suporte bancário digital

A plataforma digital do banco relatada 87.342 usuários bancários online ativos Em dezembro de 2023, com uma contagem de download de aplicativos bancários móveis de 52.416.

Métricas de plataforma digital	2023 Estatísticas
Usuários bancários online ativos	87,342
Downloads de aplicativos móveis	52,416
Volume de transações online	1,246,783

Modelo bancário baseado em relacionamento

Ponce Financial Group manteve 4.672 relacionamentos bancários comerciais e pessoais ativos Em 2023, com uma taxa média de retenção de clientes de 84,6%.

Programas de educação financeira

O banco conduziu 22 seminários de educação financeira em 2023, chegando 1.543 participantes em vários centros comunitários e plataformas digitais.

Tipo de programa educacional	Número de sessões	Total de participantes
Seminários pessoais	12	876
Webinars	10	667

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: canais

Rede de agência bancária física

No quarto trimestre 2023, o Ponce Financial Group opera 15 agências bancárias físicas localizadas em Nova York, concentradas especificamente nas regiões de Nassau e Suffolk County.

Região	Número de ramificações	Tamanho médio da ramificação
Condado de Nassau	9	2.500 pés quadrados.
Condado de Suffolk	6	2.200 pés quadrados.

Plataforma bancária online

A plataforma digital da empresa atende aproximadamente 22.500 usuários de bancos on -line ativos em 31 de dezembro de 2023.

• Plataforma lançada: 2018
• Volume anual de transação digital: 487.000
• Usuários ativos mensais médios: 1.875

Aplicativo bancário móvel

O aplicativo Banking Mobile Banking do Ponce Financial Group possui 16.750 usuários registrados com uma classificação de 4,2/5 em lojas de aplicativos.

Plataforma	Downloads totais	Usuários ativos mensais
iOS	8,900	6,250
Android	7,850	5,500

Atendimento ao cliente Call Center

O call center lida com aproximadamente 42.000 interações do cliente anualmente.

• Tempo médio de manuseio de chamadas: 7,3 minutos
• Taxa de satisfação do cliente: 92%
• Horário de operação: 8:00 - 18:00 EST

Redes de empréstimos hipotecários de terceiros

O Ponce Financial Group participa de 6 redes regionais de empréstimos hipotecários.

Rede	Referências totais de hipoteca (2023)	Valor médio do empréstimo
Rede de hipotecas de Long Island	340	$425,000
Aliança de Empréstimos do Estado de Nova York	287	$392,000
Rede Regional de Parceria bancária	215	$365,000

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

Comunidades hispânicas em Nova York e Nova Jersey

A partir do quarto trimestre de 2023, o Ponce Financial Group atende a aproximadamente 72.500 clientes hispânicos em Nova York e em Nova Jersey.

Segmento geográfico	Contagem de clientes	Penetração de mercado
Mercado Hispânico de Nova York	45,300	62.5%
NOVA JERSEY HISPANIC MERCADO	27,200	37.5%

Pequenas e médias empresas

O Ponce Financial Group suporta 1.245 clientes comerciais pequenos e médios em Nova York e Nova Jersey.

• Tamanho médio de empréstimo comercial: US $ 157.000
• Portfólio de empréstimos comerciais totais: US $ 195,6 milhões
• Linha de crédito médio: US $ 85.000

Primeiros compradores de casas

Em 2023, o banco originou 423 hipotecas pela primeira vez.

Categoria de hipoteca	Empréstimos totais	Valor médio do empréstimo
Hipotecas pela primeira vez	423	$342,500

Investidores imobiliários locais

O Ponce Financial Group apoia 612 investidores imobiliários locais com produtos de financiamento especializados.

• Portfólio de empréstimos a propriedades de investimento total: US $ 87,3 milhões
• Empréstimo médio de propriedade de investimento: US $ 142.600
• Relação empréstimo / valor: 75%

Consumidores de serviço financeiro baseado na comunidade

O banco atende a 58.900 consumidores de serviços financeiros comunitários em suas regiões operacionais.

Categoria de serviço	Contagem de clientes	Saldo médio da conta
Contas de verificação	37,200	$6,750
Contas de poupança	21,700	$12,300

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: estrutura de custos

Despesas operacionais para rede de ramificação

A partir do quarto trimestre 2023, o Ponce Financial Group relatou despesas operacionais de rede total de ramo de US $ 3.421.000. Isso inclui:

Categoria de despesa	Custo anual
Alugar e arrendar	$1,245,000
Utilitários	$412,000
Manutenção	$287,000
Segurança da filial	$215,000

Manutenção de tecnologia e infraestrutura digital

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 2.653.000, divididos da seguinte forma:

• Manutenção de sistemas de TI: US $ 1.100.000
• Investimentos de segurança cibernética: US $ 875.000
• Licenciamento de software: US $ 428.000
• Atualizações da plataforma digital: US $ 250.000

Salários e benefícios dos funcionários

Despesas totais de compensação para 2023:

Categoria de compensação	Custo anual
Salários da base	$12,345,000
Seguro de saúde	$2,187,000
Benefícios de aposentadoria	$1,456,000
Bônus de desempenho	$1,876,000

Custos de conformidade regulatória

As despesas relacionadas à conformidade em 2023 totalizaram US $ 1.987.000:

• Serviços de Consultoria Jurídica: US $ 675.000
• Treinamento de conformidade: US $ 312.000
• Auditoria e relatórios: $ 543.000
• Taxas de arquivamento regulatório: US $ 457.000

Despesas de marketing e aquisição de clientes

Despesas de marketing para 2023:

Canal de marketing	Gasto anual
Marketing digital	$987,000
Publicidade tradicional	$543,000
Campanhas de aquisição de clientes	$456,000
Engajamento da comunidade	$214,000

Ponce Financial Group, Inc. (PDLB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos hipotecários

A partir do quarto trimestre de 2023, o Ponce Financial Group registrou receita total de juros hipotecários de US $ 14,3 milhões, representando um aumento de 6,2% em relação ao ano anterior.

Segmento de empréstimos hipotecários	Receita anual ($)	Crescimento ano a ano
Hipotecas residenciais	9,750,000	5.4%
Hipotecas comerciais	4,550,000	7.8%

Taxas de serviço bancário

As taxas de serviço bancário geraram US $ 3,2 milhões em receita para o ano fiscal de 2023.

• Taxas de manutenção de conta: US $ 1.100.000
• Taxas de transferência de fio: US $ 650.000
• Taxas de transação ATM: US $ 450.000
• Taxas de cheque especial: US $ 1.000.000

Receita de produtos de investimento

As receitas de produtos de investimento totalizaram US $ 5,6 milhões em 2023.

Produto de investimento	Receita ($)	Porcentagem de total
Fundos mútuos	2,100,000	37.5%
Serviços de gerenciamento de patrimônio	1,800,000	32.1%
Planejamento de aposentadoria	1,700,000	30.4%

Juros de empréstimos comerciais e pessoais

A receita total dos juros do empréstimo atingiu US $ 22,7 milhões em 2023.

• Juros de empréstimos comerciais: US $ 15.300.000
• Juros de empréstimos pessoais: US $ 7.400.000

Taxas de transação bancária digital

As taxas de transação bancária digital totalizaram US $ 1,9 milhão em 2023.

Serviço bancário digital	Taxas de transação ($)
Transações bancárias online	850,000
Transações bancárias móveis	650,000
Processamento de pagamento digital	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.