Headquartered in Bronx, New York, Ponce Bank, National Association is a national bank with $3.5B in total assets and $2.3B in deposits as of Q2 2026. It operates 14 offices across 2 states. Its charter dates back to 1960.
Based on its Q2 2026 filing, Ponce Bank, National Association scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 21st. Its strongest component is capital cushion (100/100; 15.81%), and its lowest is funding & liquidity (45/100; 126% loans-to-deposits, 20% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (73 → 77), mostly because the earnings component improved by 11 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 72 |
| Q4 2024 | 68 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 74 |
| Q1 2026 | 78 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.70% |
| Q3 2024 | 16.19% |
| Q4 2024 | 15.81% |
| Q1 2025 | 15.61% |
| Q2 2025 | 15.99% |
| Q3 2025 | 16.08% |
| Q4 2025 | 16.12% |
| Q1 2026 | 16.09% |
| Q2 2026 | 15.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.78% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.02% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.89% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.15% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $3.5B | 15.81% | 0.81% | 1.15% | 126.1% |
| Q1 2026 | 78 | $3.3B | 16.09% | 0.75% | 1.15% | 125.7% |
| Q4 2025 | 74 | $3.2B | 16.12% | 1.02% | 1.01% | 126.2% |
| Q3 2025 | 72 | $3.1B | 16.08% | 1.11% | 0.89% | 120.2% |
| Q2 2025 | 73 | $3.1B | 15.99% | 1.00% | 0.87% | 119.3% |
| Q1 2025 | 72 | $3.1B | 15.61% | 1.14% | 0.86% | 117.2% |
| Q4 2024 | 68 | $3.0B | 15.81% | 1.18% | 0.51% | 120.3% |
| Q3 2024 | 72 | $3.0B | 16.19% | 0.78% | 0.52% | 115.3% |
| Q2 2024 | 71 | $2.8B | 16.70% | 0.89% | 0.54% | 126.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of East Asia Ltd.Bank New York, NY | 22 out of 100, Low | $3.7B | 0.0% | 2.52% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Industrial and Commercial Bank of China USA, National AssociationBank New York, NY | 49 out of 100, Below average | $2.9B | 17.3% | 4.20% | vs |
| Woori America BankBank New York, NY | 54 out of 100, Below average | $4.1B | 12.8% | 1.92% | vs |
| Habib American BankBank New York, NY | 61 out of 100, Moderate | $2.8B | 8.5% | 0.73% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
Deposit insurance
Is my money safe at Ponce Bank, National Association?
Yes. Ponce Bank, National Association is an FDIC-insured institution (FDIC certificate #31189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.1% of deposits ($459.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.88% (benchmark: 10%).
14 locations
Branches
Ponce Bank, National Association lists 14 offices in 7 cities across 2 states. Most locations:
- Bronx, NY (5)
- Brooklyn, NY (3)
- New York, NY (2)
- Astoria, NY (1)
- Forest Hills, NY (1)
- Jackson Heights, NY (1)
- Union City, NJ (1)
HMDA 2025
Mortgage lending
In 2025, Ponce Bank, National Association reported 114 home-loan applications under HMDA (LEI 549300K0ZDYG8YJZ3L95): 88 originated ($111,720,000 total), 12 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Ponce Bank, National Association
- Former names
- Ponce De Leon Federal Savings and Loan Association; Ponce De Leon Federal Savings Bank; Ponce De Leon Federal Bank; Ponce Bank
- Type
- National bank
- FDIC certificate #
- 31189
- RSSD ID
- 897170
- Primary regulator
- OCC
- Holding company
- Ponce Financial Group Inc
- Established
- March 31, 1960
- Headquarters
- 2244 Westchester Ave, Bronx, NY 10462
- Website
- www.poncebank.com
- Employees
- 229
Quick answers
Ponce Bank, National Association: common questions
Is Ponce Bank, National Association FDIC insured?
Yes. Ponce Bank, National Association is an FDIC-insured institution (FDIC certificate #31189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ponce Bank, National Association's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ponce Bank, National Association ever failed?
There is no failure record for FDIC certificate #31189 in the FDIC failed bank list.
How many branches does Ponce Bank, National Association have?
14 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Bronx
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |