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Ponce Bank, National Association


Ponce Bank, National Association is an FDIC insured institution headquartered at 2244 Westchester Ave, Bronx, NY 10462.
It was founded in 1960 and has approximately $3 billion in assets. Customers can open an account at one of its 14 branches.

Deposit Rates - July 21, 2026

SAVINGS RATES APY MIN
SAV
0.10% $500 Compare
CD RATES APY MIN
6 Mo CD
3.50% $500 Compare
7 Mo CD
4.00% $1,000 Compare
12 Mo CD
3.50% $1,000 Compare
18 Mo CD
3.50% $1,000 Compare
24 Mo CD
3.50% $1,000 Compare
30 Mo CD
2.80% $1,000 Compare
36 Mo CD
3.25% $1,000 Compare
48 Mo CD
2.50% $1,000 Compare
60 Mo CD
2.50% $1,000 Compare
MM RATES APY MIN
Money Market
0.20% $50,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.05% $1
INTCK
0.08% $1,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31189
Date Established 1960
Assets $ 3.21 billion
Loans $ 2.60 billion
Deposits $ 2.06 billion
Capital $ 504.79 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 126.40 million
Interest-bearing balances $ 93.81 million
Total securities $ 365.18 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.60 billion
Loan loss allowance $ 25.45 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.11 million
All other assets $ 52.29 million
     Total Assets $ 2.71 billion

LIABILITIES
Total deposits $ 2.06 billion
      Interest-bearing deposits $ 1,838.16 million
      Deposits held in domestic offices $ 2.06 billion
      % insured (estimated)" 77.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 349.80 million
Subordinated debt N.A.
All other liabilities $ 34.61 millionn
      Total Liabilities $ 2.71 billion
      Shareholders’ Equity $ 504.79 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 185.52 million
Total Interest Expense $ 85.96 million
Net interest income $ 99.56 million
Provision for loan and lease losses $ 3.78 million
Total non interest income $ 9.62 million
Total non interest expense $ 63.48 million
Pre-tax Net Operating Income N.A.

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