Ponce Bank 2023 Impact Report

Amplifying Impact

At Ponce Bank we are always looking for ways to do more for the communities we serve. In 2023 we invested 93 ₵ of each deposit dollar into our community . From 2021-2023 Ponce Bank’s capital recruitment efforts have generated millions of dollars of additional community investment. And the more dollars we can recruit the more we have to reinvest!

$230MM Total Awards 2021-2023

30 BUSINESS LOANS

181 1-4 FAMILY MORTGAGES

36 MULTI-FAMILY MORTGAGES

53 CONSUMER LOANS

39 LAND, CONSTRUCTION & DEV LOANS

19 NON RESIDENTIAL MORTGAGES

$55.6MM Mission Driven Partner Deposits

2023 Total Loan Originations 358

Impact Lending & Investment Since our founding, Ponce Bank has invested dollars in places where they can do the most good. We’ve built on that tradition by creating access to capital in areas of Persistent Poverty, Majority Minority Communities, and CDFI Fund Underserved Areas.

2023 IMPACT LENDING

% of Originations

Q3 Loans

Q4 Loans

Total Category Lending

Q1 Loans Impact Origination Type

Q2 Loans

32

46%

Urban Low-Income Areas

47 47

40

$342.8MM

Minority Communities Underserved/CDFI Investment Areas Persistent Poverty Counties

63%

66

51

59

50

$485.5MM

54%

55

55

45

40

$360.7MM

41%

$466.6MM

41

46

33

28

3

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