What is Ponce Bank, National Association's financial health grade?

Ponce Bank, National Association has a TFS Financial Health Grade of C- (score: 70.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Ponce Bank, National Association have?

Ponce Bank, National Association has 13 branch locations across the United States.

Is Ponce Bank, National Association FDIC insured?

Yes, Ponce Bank, National Association is FDIC insured (Certificate #31189).

What are the total assets of Ponce Bank, National Association?

Ponce Bank, National Association has total assets of $3.2B as reported in its most recent FDIC filing.

Ponce Bank, National Association

BankBronx, New York

www.poncebank.com

Total Assets

$3.2B

Total Deposits

$2.1B

Branches

Established

1960

TFS Health Grade

C-

70.8 / 100

Average financial health

How we grade

Ponce Bank, National Association is a bank headquartered in Bronx, New York, established in 1960. With $3.2B in total assets and 13 branch locations, it has a TFS Financial Health Grade of C- (70.8/100).

Capital & Safety

Tier 1 Capital Ratio

16.12%(8%)

Total Capital Ratio

21.63%(10%)

Non-Performing Loan Ratio

1.02%

Profitability

Return on Assets (ROA)

1.01%(1%)

Return on Equity (ROE)

6.47%(10%)

Net Interest Margin

3.35%

Efficiency Ratio

58.14%(60%)

Lending & Liquidity

Total Loans

$2.6B

Loan-to-Deposit Ratio

126.24%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+6.18%

Deposit Growth (YoY)

+7.99%

Net Income

$31.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Ponce Bank, National AssociationHQ	2244 Westchester Ave	Bronx	NY	11
Ponce Bank, National Association	3821 Bergenline Ave	Union City	NJ	11
Ponce Bank, National Association	3405 Broadway	Astoria	NY	11
Ponce Bank, National Association	952 Southern Blvd Fl 2	Bronx	NY	11
Ponce Bank, National Association	51 E 170th St	Bronx	NY	11
Ponce Bank, National Association	2244 Westchester Ave	Bronx	NY	11
Ponce Bank, National Association	5560 Broadway	Bronx	NY	11
Ponce Bank, National Association	1900 Ralph Ave	Brooklyn	NY	11
Ponce Bank, National Association	2047 86th St	Brooklyn	NY	11
Ponce Bank, National Association	169 Smith St	Brooklyn	NY	11
Ponce Bank, National Association	10020 Queens Blvd	Forest Hills	NY	11
Ponce Bank, National Association	3747 82nd St	Jackson Heights	NY	11
Ponce Bank, National Association	207 E 106th St	New York	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.