Ponce Financial Group, Inc. is classed by the SEC under Savings Institution, Federally Chartered (industry code 6035), based in Bronx, NY. Its latest filed balance sheet (2025-12-31) shows total assets of $3.3 billion (its filed statements).
Lending businessSavings Institution, Federally CharteredBronx, NYfilings since 20218 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6035, Savings Institution, Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.6 out of ten, 8 of 9 metrics filed and 1 estimated: past 4.6 out of ten, present 6.4 out of ten, future 6.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 4.6 out of ten. 1 warning event since 2021; the latest 2024-06-04. 46th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.5 out of ten. +24.2% a year over 7 filed years; profitable in 5 of 7. 75th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.6 out of ten. Share count grew 0.5% a year. 16% of cash flow returned. Insiders: 1 sales, 0 purchases. 26th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 4.7 out of ten. ROE 5%: 5¢ of profit per shareholder dollar. Leverage 83%: owes 83¢ per asset dollar. 47th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.4 out of ten. top 26% of 31 in its family; net margin 15.5%. 74th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 8.2 out of ten. CrossAssetData estimate 8.2/10, confidence 35 of 100 (one part). 82nd percentile among 31 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 4.2 out of ten. bottom 42% of 25 in its family for room to expand. 42nd percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 7.5 out of ten. top 25% of 30 in its family for growth drivers. 75th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 7.3 out of ten. top 27% of 29 in its family for expectations against reality. 73rd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-27 (on EDGAR). Newest filing: Form 10-Q, 2026-08-05. Filings on record since 2021. Read from EDGAR 2026-10-12.
Who runs it
Naudon, Carlos P (President & CEO); Tsavaris, Steven (Executive Chairman); Vaccaro, Sergio Javier (Chief Financial Officer); Gonzalez, Luis Gerardo Jr. (Chief Operating Officer); Kouzilos, Ioannis (EVP & Chief Lending Officer); Campiz, Betty Yolainy (EVP and Chief Banking Officer); Deleon, Melissa Antonia (Chief Human Resources Officer); Marquez, Madeline V. (Chief External Affairs Officer); Cintron, Marlene (director). 9 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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