Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	145.99	130.51	95.81	69.87	65.53	52.39
Interest Income on Investments	28.04	32.13	30.06	12.89	1.57	0.95
Total Interest Income	174.04	162.64	125.87	82.75	67.1	53.34
Interest Paid on Deposits	64.77	58.69	35.14	9.95	5.67	8.75
Interest Paid on Borrowings	22.88	27.47	25.46	6.2	2.58	2.62
Total Interest Expense	87.65	86.16	60.6	16.15	8.25	11.37
Net Interest Income	86.38	76.48	65.27	66.6	58.85	41.97
Net Interest Income Growth (YoY)	22.59%	17.18%	-2.01%	13.18%	40.21%	10.06%
Gain (Loss) on Sale of Assets	-	-	-	-0.44	20.27	4.18
Other Non-Interest Income	6.35	6.02	5.93	6.11	9.1	4.95
Total Non-Interest Income	7.69	7.21	6.52	6.42	34.64	13.25
Non-Interest Income Growth (YoY)	7.13%	10.58%	1.62%	-81.47%	161.47%	393.74%
Revenues Before Loan Losses	94.07	83.69	71.79	73.02	93.48	55.22
Provision for Loan Losses	3.56	1.33	0.97	24.05	2.72	2.44
Revenue	90.51	82.36	70.82	48.98	90.77	52.77
Revenue Growth (YoY)	15.50%	16.30%	44.59%	-46.04%	71.99%	30.12%
Salaries and Employee Benefits	26.86	27.36	27.67	24.98	20.46	20.11
Occupancy Expenses	11.06	10.61	10.29	9.4	8.99	9.56
Federal Deposit Insurance	1.82	1.63	1.47	0.7	-	-
Selling, General & Administrative	20.38	20.11	21.83	19.36	18.66	12.29
Other Non-Interest Expense	6.89	6.97	7.4	26.39	9.03	5.57
Total Non-Interest Expense	67.01	66.67	68.66	85.82	57.14	47.54
EBT Excluding Unusual Items	23.51	15.69	2.15	-36.85	33.62	5.24
Other Unusual Items	-	-	3.7	-	-	-
Pretax Income	23.51	15.69	5.85	-36.85	33.62	5.24
Income Tax Expense	6.08	4.71	2.5	-6.85	8.21	1.38
Net Income	17.43	10.97	3.35	-30	25.42	3.85
Preferred Dividends & Other Adjustments	1.13	0.64	-	-	-	-
Net Income to Common	16.3	10.33	3.35	-30	25.42	3.85
Net Income Growth	99.97%	227.33%	-	-	559.62%	-
Basic Shares Outstanding	23	22	23	23	17	23
Diluted Shares Outstanding	23	23	23	23	17	23
Shares Change (YoY)	1.94%	-1.19%	0.58%	35.13%	-27.86%	-4.30%
EPS (Basic)	0.72	0.46	0.15	-1.32	1.52	0.17
EPS (Diluted)	0.71	0.46	0.15	-1.32	1.51	0.16
EPS Growth	83.78%	212.14%	-	-	817.87%	-
Effective Tax Rate	25.88%	30.05%	42.73%	-	24.41%	26.40%

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q