Ponce Bank
Bronx, NY
IDRSSD: 897170
Total Assets
$3.15B
Latest filing
Total Deposits
$2.08B
Latest filing
Net Interest Margin
3.37%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Ponce Bank
2244 Westchester Ave
Bronx, NY 10462
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/31/1960FDIC Certificate 44023
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Ponce Bank (Main) | 2244 Westchester Ave | Bronx, NY |
| MANHATTAN BRANCH | 207 E 106th St | New York, NY |
| BENSONHURST BRANCH | 2047 86th St | Brooklyn, NY |
| JACKSON HEIGHTS, QUEENS BRANCH | 3747 82nd St | Jackson Heights, NY |
| JEROME AVENUE BRANCH | 51 E 170th St | Bronx, NY |
| BROOKLYN BRANCH | 169 Smith St | Brooklyn, NY |
| WESTCHESTER AVENUE BRANCH | 2244 Westchester Ave | Bronx, NY |
| RIVERDALE BRANCH | 5560 Broadway | Bronx, NY |
Showing 7 of 13
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 03/31/1960 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 10462 |
| State and County Number | 36005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 206 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.poncebank.com |
| Data Updated | 11/14/2025 |
| CERT | 31189 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.15B |
| Total Deposits | $2.08B |
| Total Liabilities | $2.65B |
| Total Equity Capital | $492.76M |
| Net Income | $7.22M |
| Net Loans and Leases | $2.50B |
| Assets Per Employee ($Millions) | $15.05M |
| Bank Premises and Fixed Assets | $44.42M |
| Cash and Balances due from Depository Institutions | $146.83M |
| Deposits Held in Domestic Offices | $2.08B |
Key Performance Ratios
| Return on Assets (ROA) | 0.92% |
| Return on Equity (ROE) | 5.91% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 57.55% |
| Tier 1 Risk-Based Capital Ratio | 20.665% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.667% |
| Earning Assets to total Assets | 95.07% |
Income and Expense
| Total Interest Income | $46.85M |
| Total Noninterest Income | $2.16M |
| Total Interest Expense | $21.66M |
| Total Noninterest Expense | $15.74M |
| Net Interest Income | $25.19M |
| Pre-tax Net Operating Income | $10.24M |
| Provision for Credit Losses | $1.36M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $533.34M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $42.98M |
| Total Liabilities and Capital | $3.15B |
Securities
| Securities | $379.95M |
| Available-for-sale debt securities | $94.82M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $285.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ponce Bank?
$3.15B as of the latest filing.
How much are Ponce Bank's total deposits?
$2.08B in total deposits.
Where is Ponce Bank located?
Bronx, NY.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
14.
When was it established?
03/31/1960.
What is the Return on Assets (ROA)?
0.92%.
How much are total loans and leases?
$2.50B (latest filing).
What is the total interest income (latest filing)?
$46.85M.