| 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 June 30, 2026 and December 31, 2025 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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June 30, 2026 |
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Ponce Financial Group, Inc. |
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Total Capital to Risk-Weighted Assets |
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$ |
602,120 |
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20.00 |
% |
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$ |
240,794 |
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8.00% |
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$ |
300,993 |
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10.00 |
% |
Tier 1 Capital to Risk-Weighted Assets |
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571,574 |
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18.99 |
% |
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180,596 |
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6.00% |
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240,794 |
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8.00 |
% |
Common Equity Tier 1 Capital Ratio |
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346,574 |
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11.51 |
% |
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135,447 |
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4.50% |
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195,645 |
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6.50 |
% |
Tier 1 Capital to Total Assets |
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571,574 |
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16.85 |
% |
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135,688 |
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4.00% |
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169,610 |
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5.00 |
% |
Ponce Bank |
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Total Capital to Risk-Weighted Assets |
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$ |
566,435 |
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18.88 |
% |
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$ |
239,968 |
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8.00% |
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$ |
299,959 |
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10.00 |
% |
Tier 1 Capital to Risk-Weighted Assets |
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535,888 |
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17.87 |
% |
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179,976 |
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6.00% |
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239,968 |
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8.00 |
% |
Common Equity Tier 1 Capital Ratio |
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535,888 |
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17.87 |
% |
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134,982 |
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4.50% |
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194,974 |
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6.50 |
% |
Tier 1 Capital to Total Assets |
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535,888 |
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15.81 |
% |
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135,618 |
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4.00% |
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169,522 |
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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, 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 Ratio |
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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 Total 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 Ratio |
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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 Total 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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