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Ponce Bank

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Responsible banking

Environmental responsibility

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Extensive evidence found of sustainable banking practices.Based on Bank.Green's evaluation
How ratings work

Social impact

Where its loans go
Largest: apartment buildings, 36%
2 highlights
  • Certified Community Development Financial Institution (CDFI)Certified by the U.S. Treasury's CDFI Fund as a lender whose main mission is serving low-income and underserved communities.
  • Minority Depository Institution (MDI)Recognized by the FDIC or NCUA as owned or led by people from a minority group, or as serving mainly minority communities.
From its public filings with the FDICWhat these labels mean
See its social impact

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Policies
  • Deposit Protection
Customers served
  • Personal
  • Small businesses
Services
  • Mobile banking
  • Local branches
  • Free ATM network
What this bank offers
  • Free ATM network
  • Checking accounts
  • Savings accounts
  • Business accounts
  • Small business lending
  • Credit cards
  • Mortgages or loans
  • Deposit protection
  • Mobile banking

Product information from Bank.Green. Please confirm details with the institution.

From public data

Social impact

Who Ponce Bank lends to and where its deposits are held.

  • Certified Community Development Financial Institution (CDFI)Certified by the U.S. Treasury's CDFI Fund as a lender whose main mission is serving low-income and underserved communities.
  • Minority Depository Institution (MDI)Recognized by the FDIC or NCUA as owned or led by people from a minority group, or as serving mainly minority communities.

Where its loans go

Its largest lending area is apartment buildings, at 36% of its loans.

Ponce Bank
Community banks, for comparison
  • Homes 15%Community banks: 27%Mortgages and home equity loans on houses and other homes with one to four units.
  • Apartment buildings 36%Community banks: 8%Loans secured by apartment buildings with five or more homes.
  • Business and commercial property 21%Community banks: 43%Loans to businesses, and loans secured by offices, shops, warehouses and other commercial property.
  • Construction and land 28%Community banks: 8%Loans to build homes and other buildings, and to buy and prepare land for development.
  • Farms 0%Community banks: 8%Loans secured by farmland, and loans to farmers for crops, livestock and equipment.
  • Consumer loans (cars, cards, personal) 0%Community banks: 3%Car loans, credit card balances and other personal loans to households.
  • Other 0%Community banks: 3%All other lending, such as loans to other financial institutions, loans to governments and leases.
127%Loans as a share of depositsIts total loans divided by the deposits it holds. A higher share means more of its deposits are lent out. Above 100% means it also lends money raised in other ways.

Where its deposits are held

Share of its deposits held at branches in each state, across 14 offices, as of 30 June 2026.

By state

  1. New York97%
  2. New Jersey3%

Largest places

  1. Bronx, NY72%
  2. Brooklyn, NY8%
  3. New York, NY5%
  4. Forest Hills, NY4%
  5. Astoria, NY4%

This view is based on public information, including Ponce Bank's quarterly filings with the FDIC (FDIC certificate 31189), the FDIC's Summary of Deposits and the CDFI Fund's list of certified institutions, as of 30 June 2026. Banks are compared with banks, and credit unions with credit unions. The lending figures show the loans held at the end of the quarter, so loans already sold are not included. This view is separate from the environmental responsibility rating and does not change it. It may be out of date, so please confirm details with the institution.