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 - August 20, 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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Branches

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