Updated
The most significant concentration Ponce Financial Group discloses is multifamily, nonresidential, and construction and land loans at 81.4%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: Ponce Financial Group’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'At December 31, 2025, $2.14 billion, or 81.4%, of our loan portfolio consisted of multifamily, nonresidential and construction and land loans'”
“10-K Item 1A: 'a substantial portion of our loan portfolio is composed of loans secured by property located in the greater New York metropolitan area'”
Ponce Financial Group's concentration risk is built around loan-portfolio composition and geography, both structural and both disclosed at a high share. At December 31, 2025, $2.14 billion, or 81.4%, of the loan portfolio consisted of multifamily, nonresidential, and construction and land loans — a concentrated lending mix relative to a more diversified bank. Compounding that, a substantial portion of the loan portfolio is secured by property located in the greater New York metropolitan area, a high-share geographic concentration. Both exposures are structural rather than dependency-driven, reflecting the bank's core lending strategy and regional footprint rather than reliance on any single borrower or counterparty. Because the loan mix is concentrated in commercial-oriented property types and the collateral securing those loans is itself concentrated in one metropolitan area, the two exposures compound each other: a downturn in New York-area commercial or multifamily real estate values would affect a large majority of the loan book simultaneously, rather than being cushioned by either property-type or geographic diversification.
For the engine’s reasoning on PDLB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| PDLB● | Ponce Financial Group, Inc. | 2 | 0 | 0 | 2 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.