BlastPoint's Banking Scorecard

Ponce Bank, National Association

$1B-$10B Specialty: Commercial NY FDIC cert 31189

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Bronx, NY

14 branches across NY · NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits +10.7% year over year ($2.3B on the books).
Delinquency rate 0.82%.
Return on assets 1.15%.
Efficiency ratio 54.12% vs a 59.73% peer average.
Loan-to-deposit ratio 126.05% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

Ponce Bank, National Association has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 5.61% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 13.4% in tier
- ROA 0.24% below tier average
- Net Interest Margin 0.21% below tier average

Get updates when Ponce Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$3.5B +10.9% YoY +5.9% QoQ	+$691.8M	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$2.9B +17.0% YoY +6.7% QoQ	+$919.6M	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$2.3B +10.7% YoY +6.5% QoQ	-$31.8M	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	1.15% +31.8% YoY +0.0% QoQ	-0.24%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	3.66% +15.3% YoY +0.7% QoQ	-0.21%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	54.12% -13.9% YoY -0.4% QoQ	-5.61%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	0.82% -18.7% YoY +8.4% QoQ	-0.05%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	126.05% +5.7% YoY +0.3% QoQ	+41.02%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 1.4% in tier
Non-Interest-Bearing Deposit Share ?	11.70% +14.7% YoY -1.8% QoQ	-9.57%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	15%
Nonperforming Asset Ratio ?	0.68% -14.2% YoY +9.2% QoQ	+0.00%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	34%
Tier 1 Capital Ratio ?	17.87% -11.4% YoY -5.8% QoQ	+3.02%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 12.0% in tier
Non-Interest Income / Assets ?	0.10% -30.2% YoY +70.6% QoQ	-0.43%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 10.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	11.7% +1.5pp YoY -0.2pp QoQ	-9.7pp	21.4%	22.1%	22.2%	15%
Brokered Deposits	6.3% +2.9pp YoY +3.8pp QoQ	-3.1pp	9.5%	8.0%	8.5%	55%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	2.5% +0.6pp YoY -0.5pp QoQ	-11.5pp	14.0%	11.0%	12.5%	8%
CRE	83.5% +2.9pp YoY +1.6pp QoQ	+33.5pp	50.0%	46.2%	41.4%	97%
1-4 Family	14.9% -3.5pp YoY -1.2pp QoQ	-11.5pp	26.4%	36.6%	31.3%	30%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.1%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	17.9% -2.3pp YoY -1.1pp QoQ	+2.3pp	15.6%	26.1%	19.7%	86%
Leverage Ratio	15.8% -0.2pp YoY -0.3pp QoQ	+4.5pp	11.3%	13.9%	12.6%	94%
Total Capital Ratio	18.9% -2.3pp YoY -1.1pp QoQ	+2.2pp	16.7%	27.2%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	229 +23 (+11.2%) YoY +11 (+5.0%) QoQ	-85	313	914	482	48%
Assets per Employee ($)	$15.2M -0.3% YoY +0.9% QoQ	+$4.7M	$10.5M	$14.8M	$8.8M	90%
Branch Count	13 -1 (-7.1%) YoY 0 QoQ	-7	20	27	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.8% -0.2pp YoY +0.1pp QoQ	0.0pp	0.8%	1.3%	1.0%	67%
Allowance Coverage	1.17x +20.3% YoY -9.2% QoQ	-17.54x	18.71x	1.92x	20.23x	29%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	7.4% +1.8pp YoY +0.1pp QoQ	-5.2pp	12.6%	7.9%	11.6%	18%
Cost of Funds (YTD)	2.7% -0.3pp YoY 0.0pp QoQ	+0.7pp	1.9%	1.8%	1.7%	88%
Net Income ($, YTD)	$19.1M +42.3% YoY — QoQ	-$96K	$19.2M	$111.2M	$40.4M	68%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#24 of 172 • Bottom 13.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.87%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 126.05%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

107

Tier 1 Capital Ratio

capital

Value: 17.87%

Peer Median: 14.84%

#107 of 885 Top 12.0% in $1B-$10B

170

Total Loans

size

Value: $2.88B

Peer Median: $1.96B

#170 of 885 Top 19.1% in $1B-$10B

212

Total Assets

size

Value: $3.49B

Peer Median: $2.79B

#212 of 885 Top 23.8% in $1B-$10B

Top Weaknesses (3 metrics)

874

Loan-to-Deposit Ratio

liquidity

Value: 126.05%

Peer Median: 85.04%

#874 of 885 Bottom 1.4% in $1B-$10B

797

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.53%

#797 of 885 Bottom 10.1% in $1B-$10B

750

Non-Interest-Bearing Deposit Share

funding

Value: 11.70%

Peer Median: 21.27%

#750 of 885 Bottom 15.4% in $1B-$10B