Ponce Financial Group, Inc. (PDLB) Form 10-Q — Aug 5, 2026
Ponce Financial Group (NASDAQ: PDLB) reported Q2 2026 net income available to common stockholders of $8.2 million, or $0.36 basic EPS, up from $5.8 million, or $0.26, in the year-ago quarter, with six-month EPS rising to $0.72 from $0.51. The balance sheet expanded 8.4% to $3.49 billion in total assets, driven by a $280.5 million increase in net loans to $2.88 billion, while credit quality improved: nonperforming loans fell to 0.67% of gross loans and the allowance covered 116.91% of nonperformers, up from 94.74% at year-end 2025.
Key figures
- Eps
- Q2 2026 basic $0.36 / diluted $0.35; six-month basic $0.72 / diluted $0.71
- Net Income
- $8.2M available to common in Q2 2026; $16.6M for the six months ended June 30, 2026
- Total Assets
- $3.49 billion
- Cash Position
- $140.0 million
- Shares Outstanding
- 24187901
- Total Deposits
- $2.27 billion
- Acl Sensitivity
- ±10 bps loss-rate change = ±$2.9 million reserve impact
- Acl Coverage Of NPLs
- 116.91%
- Net Loans Receivable
- $2.88 billion (net of $27.6M allowance)
- Nonperforming Loans
- $23.6 million (0.67% of gross loans)
- Ecip Preferred Issued
- $225 million (225,000 shares)
- Raisin Fintech Deposits
- $671.5 million
- Allowance For Credit Losses
- $27.6 million (0.95% of total loans)
- Ecip Preferred Dividend Rate
- 0.5%
- Htm Securities Unrealized Position
- fair value $246.97M vs $253.6M amortized cost
- Preferred Dividends Six Months2026
- $0.6 million
Price after filing
Close on the filing date to close N calendar days later (from $20.46). Historical, not a forecast.
AI analysis
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