| Summary of Bank's Actual Capital Amounts and Ratios As Compared to Regulatory Requirements |
The Company's and the Bank’s actual capital amounts and ratios as of December 31, 2025 and 2024 as compared to regulatory requirements are as follows:
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To Be Well |
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Capitalized Under |
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For Capital |
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Prompt Corrective |
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Actual |
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Adequacy Purposes |
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Action Provisions |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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(Dollars in thousands) |
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December 31, 2025 |
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Ponce Financial Group, Inc. |
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Total Capital to Risk-Weighted Assets |
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$ |
579,833 |
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23.00 |
% |
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$ |
201,663 |
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8.00% |
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$ |
252,079 |
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10.00 |
% |
Tier 1 Capital to Risk-Weighted Assets |
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552,260 |
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21.91 |
% |
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151,247 |
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6.00% |
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201,663 |
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8.00 |
% |
Common Equity Tier 1 Capital to Risk-Weighted Assets |
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327,260 |
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12.98 |
% |
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113,436 |
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4.50% |
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163,851 |
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6.50 |
% |
Tier 1 Capital to Average Assets |
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552,260 |
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17.27 |
% |
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127,880 |
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4.00% |
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159,850 |
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5.00 |
% |
Ponce Bank |
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Total Capital to Risk-Weighted Assets |
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$ |
543,076 |
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21.63 |
% |
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$ |
200,847 |
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8.00% |
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$ |
251,059 |
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10.00 |
% |
Tier 1 Capital to Risk-Weighted Assets |
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515,502 |
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20.53 |
% |
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150,635 |
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6.00% |
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200,847 |
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8.00 |
% |
Common Equity Tier 1 Capital to Risk-Weighted Assets |
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515,502 |
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20.53 |
% |
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112,976 |
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4.50% |
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163,188 |
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6.50 |
% |
Tier 1 Capital to Average Assets |
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515,502 |
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16.12 |
% |
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127,945 |
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4.00% |
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159,931 |
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5.00 |
% |
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To Be Well |
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Capitalized Under |
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For Capital |
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Prompt Corrective |
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Actual |
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Adequacy Purposes |
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Action Provisions |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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(Dollars in thousands) |
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December 31, 2024 |
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Ponce Financial Group, Inc. |
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Total Capital to Risk-Weighted Assets |
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$ |
546,128 |
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22.98 |
% |
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$ |
190,147 |
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8.00% |
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$ |
237,684 |
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10.00 |
% |
Tier 1 Capital to Risk-Weighted Assets |
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520,796 |
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21.91 |
% |
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142,611 |
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6.00% |
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190,147 |
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8.00 |
% |
Common Equity Tier 1 Capital to Risk-Weighted Assets |
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295,796 |
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12.44 |
% |
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106,958 |
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4.50% |
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154,495 |
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6.50 |
% |
Tier 1 Capital to Average Assets |
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520,796 |
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17.70 |
% |
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117,715 |
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4.00% |
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147,144 |
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5.00 |
% |
Ponce Bank |
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Total Capital to Risk-Weighted Assets |
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$ |
507,632 |
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21.47 |
% |
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$ |
189,137 |
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8.00% |
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$ |
236,421 |
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10.00 |
% |
Tier 1 Capital to Risk-Weighted Assets |
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482,300 |
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20.40 |
% |
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141,583 |
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6.00% |
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189,137 |
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8.00 |
% |
Common Equity Tier 1 Capital Risk-Weighted Assets |
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482,300 |
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20.40 |
% |
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106,390 |
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4.50% |
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153,674 |
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6.50 |
% |
Tier 1 Capital to Average Assets |
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482,300 |
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15.81 |
% |
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122,011 |
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4.00% |
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152,514 |
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5.00 |
% |
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