| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 18,567 | 12,059 |
| Amortization of premiums/discounts on securities, net | 54 | 39 |
| Gain on sale of loans | 887 | 721 |
| Provision for credit losses | 2,705 | 1,341 |
| Depreciation and amortization | 3,578 | 2,427 |
| Esop compensation expense | 1,573 | 1,053 |
| Share-based compensation expense | 1,413 | 955 |
| Deferred income taxes | -1,328 | -678 |
| Decrease in mortgage loans held for sale, fair value | -5,425 | -5,350 |
| (increase) decrease in accrued interest receivable | 1,132 | 1,355 |
| Increase in other assets | 8,097 | 1,670 |
| Increase (decrease) in accrued interest payable | 660 | 449 |
| Decrease in operating lease liabilities | -2,015 | -1,355 |
| Increase in advance payments by borrowers | - | 593 |
| Increase in other liabilities | 245 | 852 |
| Net cash provided by (used in) operating activities | 20,653 | 19,261 |
| Net redemption and (purchase) of fhlbny stock | -3,237 | -2,562 |
| Proceeds from maturities, calls and principal repayments on securities | 97,714 | 42,382 |
| Proceeds from sale of loans | 6,653 | 5,738 |
| Net increase in loans | 212,638 | 179,518 |
| Purchases of premises and equipment | 1,013 | 407 |
| Net cash used in investing activities | -106,047 | -129,243 |
| Net increase in deposits | 167,868 | 157,345 |
| Stock options exercised | 110 | - |
| Net repayments from borrowings | -75,000 | -60,000 |
| Dividends paid on preferred stock | 844 | 563 |
| Net cash provided by financing activities | 92,134 | 96,782 |
| Net increase in cash and cash equivalents | 6,740 | -13,200 |
| Cash and cash equivalents at beginning of period | 139,839 | - |
| Cash and cash equivalents at end of period | 146,579 | - |
Ponce Financial Group, Inc. (PDLB)
Ponce Financial Group, Inc. (PDLB)