Ponce Bank National Assn (FDIC #31189): Bank Stress & Real-Estate Credit Exposure
Ponce Bank National Assn (FDIC Cert #31189): bank stress 50/100, moderate, STABLE over 7 days; parent PONCE FINANCIAL GROUP INC.
Ponce Bank National Assn (#31189) lends in 5 counties across 2 states; Ponce Bank National Assn (#31189) reaches 218 ZIP codes: New York 4 counties, 202 ZIPs; New Jersey 1 county, 16 ZIPs.
Ponce Bank National Assn (#31189) largest markets: New York County, NY (140 branches, 70 ZIPs) (#31189), Queens County, NY (204 branches, 68 ZIPs) (#31189), Kings County, NY (120 branches, 40 ZIPs) (#31189), Bronx County, NY (140 branches, 28 ZIPs) (#31189), Hudson County, NJ (16 branches, 16 ZIPs) (#31189).
Ponce Bank National Assn (#31189) reports $3.49 billion in total assets; Ponce Bank National Assn (#31189) equity $525.3 million (15.1% of Ponce Bank National Assn (#31189) assets); Ponce Bank National Assn (#31189) domestic deposits $2.29 billion; Ponce Bank National Assn (#31189) net income $19.1 million; Ponce Bank National Assn (#31189) return on assets 1.15%; Ponce Bank National Assn (#31189) return on equity 7.44%; Ponce Bank National Assn (#31189) net interest income $58.2 million; Ponce Bank National Assn (#31189) call report June 30, 2026.
Ponce Bank National Assn (#31189) noncurrent real-estate loans: none reported; Ponce Bank National Assn (#31189) net charge-offs on real estate 0.83%; Ponce Bank National Assn (#31189) multifamily charge-offs 1.15%.
Ponce Bank National Assn (#31189) net interest margin 3.66% against an eight-quarter Ponce Bank National Assn (#31189) average of 3.21% (Ponce Bank National Assn (#31189) compression -0.45 points); Ponce Bank National Assn (#31189) rate-exposure score 40/100, Ponce Bank National Assn (#31189) fixed-rate trap 40/100; Ponce Bank National Assn (#31189) risk type credit driven; Ponce Bank National Assn (#31189) rate regime rates elevated, Ponce Bank National Assn (#31189) snapshot October 20, 2026.
Ponce Bank National Assn (#31189) stress score moved from 46 on June 22, 2026 to 49.6 on October 20, 2026; Ponce Bank National Assn (#31189) ranged 46 to 49.6 over 117 snapshots.
Ponce Bank National Assn (#31189) alerts: 5 counties; top Ponce Bank National Assn (#31189) alert scores: Bronx County, NY 42 (moderate); New York County, NY 41 (moderate); Brooklyn County, NY 20 (low); Jackson Heights County, NY 20 (low); Union City County, NY 20 (low).