Ponce Financial Group reported net income available to common stockholders of $8.3 million, or $0.36 per diluted share, for the quarter ended March 31, 2026, compared with $5.7 million, or $0.25 per share, a year earlier. Net interest income rose 1.05% sequentially to $28.2 million and jumped 27.13% year-over-year, lifting net interest margin to 3.61% from 2.98%.

Cash and equivalents stood at $117.2 million at quarter-end, down 7.06% from December 31, 2025, while securities declined 3.97% to $350.7 million due to scheduled maturities. Net loans receivable rose 3.82% to $2.70 billion and deposits increased 4.26% to $2.13 billion, supporting healthy asset growth and liquidity.

Non-performing loans as a percentage of total assets improved to 0.62% from 0.83% in the prior quarter, with a $1.7 million provision for credit losses. The efficiency ratio was 56.96%, down from 52.95% sequentially, and total capital to risk-weighted assets remained strong at 21.23%, with common equity Tier 1 at 12.11%.

Management highlighted a 44% year-over-year EPS increase and a 12% rise in book value per share to $13.49, attributing gains to disciplined execution and technology investments. The firm noted it has achieved 82% deep impact lending after 15 quarters and is one quarter away from 16 consecutive quarters above its 60% target.