Ponce Financial Group Inc 2026年季度报告

(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromtoCommission File Number: 001-41255 Ponce Financial Group, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland87-1893965(State or other jurisdiction ofincorporation or organization)(I.R.S. EmployerIdentification No.)2244 Westchester AvenueBronx, NY10462(Address of principal executive offices)(Zip Code)Registrant’s telephone number, including area code: (718) 931-9000 Securities registered pursuant to Section 12(b) of the Act: Title of each classTradingSymbol(s)Name of each exchange on which registeredCommon stock, par value $0.01 per sharePDLBThe NASDAQ Stock Market, LLC Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirementsfor the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” inRule 12b-2 of the Exchange Act. Large accelerated filer☐Non-accelerated filer☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ As of May 5, 2026, the registrant had 24,187,901 shares of common stock, $0.01 par value per share,outstanding. Auditor Name: Forvis Mazars, LLP Table of Contents PagePART I.FINANCIAL INFORMATION1Item 1.Consolidated Financial Statements1Consolidated Statements of Financial Condition (Unaudited)1Consolidated Statements of Operations (Unaudited)2Consolidated Statements of Comprehensive Income (Unaudited)3Consolidated Statements of Stockholders’ Equity (Unaudited)4Consolidated Statements of Cash Flows (Unaudited)5Notes to Consolidated Financial Statements (Unaudited)6Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations30Item 3.Quantitative and Qualitative Disclosures About Market Risk49Item 4.Controls and Procedures49PART II.OTHER INFORMATION50Item 1.Legal Proceedings50Item 1A.Risk Factors50Item 2.Unregistered Sales of Equity Securities and Use of Proceeds50Item 3.Defaults Upon Senior Securities50Item 4.Mine Safety Disclosures50Item 5.Other Information50Item 6.Exhibits51Signatures52 PART I—FINANCIAL INFORMATION Ponce Financial Group, Inc. and Subsidiaries Consolidated Statements of Financial Condition (Unaudited)March 31, 2026 and December 31, 2025(Dollars in thousands, except share data) Ponce Financial Group, Inc. and Subsidiaries Consolidated Statements of Operations (Unaudited)Three Months Ended March 31, 2026 and 2025(Dollars in thousands, except share data) Ponce Financial Group, Inc. and Subsidiaries Consolidated Statements of Comprehensive Income (Unaudited)Three Months Ended March 31, 2026 and 2025(In thousands) The accompanying notes are an integral part of the consolidated financial statements (unaudited). Consolidated Statements of Stockholders’ Equity (Unaudited)Three Months Ended March 31, 2026 and 2025(Dollars in thousands, except share data) Ponce Financial Group, Inc.and Subsidiaries Consolidated Statements of Cash Flows (Unaudited)Three Months Ended March 31, 2026 and 2025(In thousands) Ponce Financial Group, Inc. and SubsidiariesNotes to Consolidated Financial Statements (Unaudited) Note 1. Nature of Business Basis of Presentation and Consolidation: Ponce Financial Group, Inc. (hereafter referred to as “we,” “our,” “us,” “Ponce Financial Group, Inc.,” or the “Company”) is afinancial holding company and the holding company of Ponce Bank, National Association. (“Ponce Bank” or the “Bank”), anational bank. The Company’s Consolidated Financial Statements presented herein have been prepared in accordance withaccounting principles generally accepted in the United States of America (“GAAP”). The Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiary Ponce