| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest on loans receivable | 41,486 | 40,291 | ||
| Interest on deposits due from banks | 978 | 807 | ||
| Interest and dividend on securities and fhlbny stock | 4,383 | 4,762 | ||
| Total interest and dividend income | 46,847 | 45,860 | ||
| Interest on certificates of deposit | 6,553 | 7,382 | ||
| Interest on other deposits | 9,996 | 9,058 | ||
| Interest on borrowings | 5,050 | 4,994 | ||
| Total interest expense | 21,599 | 21,434 | ||
| Net interest income | 25,248 | 24,426 | ||
| Provision (benefit) for credit losses (note 3) (note 5) | 1,364 | 1,626 | ||
| Net interest income after provision (benefit) for credit losses | 23,884 | 22,800 | ||
| Service charges and fees | 539 | 511 | ||
| Brokerage commissions | 8 | - | ||
| Late and prepayment charges | 385 | 530 | ||
| Income on sale of mortgage loans | 166 | 169 | ||
| Grant income | 429 | 428 | ||
| Other | -35 | 422 | ||
| Total non-interest income | 1,492 | 2,060 | ||
| Compensation and benefits | 7,868 | 7,627 | ||
| Occupancy and equipment | 3,934 | 3,907 | ||
| Data processing expenses | 1,296 | 1,188 | ||
| Direct loan expenses | 155 | 241 | ||
| Insurance and surety bond premiums | 318 | 297 | ||
| Office supplies, telephone and postage | 170 | 174 | ||
| Professional fees | 1,409 | 1,367 | ||
| Marketing and promotional expenses | 184 | 266 | ||
| Federal deposit insurance and regulatory assessment | 266 | 546 | ||
| Other operating expenses | 1,018 | 1,256 | ||
| Total non-interest expense | 16,618 | 16,869 | ||
| Income before income taxes | 8,758 | 7,991 | ||
| Provision for income taxes | 2,250 | 1,891 | ||
| Net income | 6,508 | 6,100 | ||
| Dividends on preferred shares | 281 | 282 | ||
| Net income available to common stockholders | 6,227 | 5,818 | ||
| Basic weighted average common shares outstanding | 22,766,195 | 22,716,615 | ||
| Diluted weighted average common shares outstanding | 23,135,448 | 22,947,769 | ||
| Earnings per share, basic, total | 0.27 | 0.26 | ||
| Earnings per share, diluted, total | 0.27 | 0.25 | ||
Ponce Financial Group, Inc. (PDLB)
Ponce Financial Group, Inc. (PDLB)