Ponce Financial Group Balance Sheet Health
Financial Health criteria checks 5/6
Ponce Financial Group has total assets of $2.8B and total equity of $491.4M. Total deposits are $1.5B, and total loans are $1.9B. It earns a Net Interest Margin of 2.7%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $139.4M.
Key information
5.6x
Asset to equity ratio
2.7%
Net interest margin
Total deposits | US$1.51b |
Loan to deposit ratio | High |
Bad loans | 0.7% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$139.44m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PDLB's Assets to Equity ratio (5.6x) is low.
Allowance for Bad Loans: PDLB has a sufficient allowance for bad loans (206%).
Low Risk Liabilities: 67% of PDLB's liabilities are made up of primarily low risk sources of funding.
Loan Level: PDLB has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: PDLB's Loans to Deposits ratio (126%) is high.
Level of Bad Loans: PDLB has an appropriate level of bad loans (0.7%).