# EDGAR Filing Document

**Accession Number:** 0001874071
**File Stem:** 0001193125-26-268852
**Filing Date:** 2026-6
**Character Count:** 15842
**Document Hash:** 670c6dabc78c5c90cfb8a52fa620a310
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-268852.hdr.sgml**: 20260612

**ACCESSION NUMBER**: 0001193125-26-268852

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 10

**CONFORMED PERIOD OF REPORT**: 20260611

**ITEM INFORMATION**: Submission of Matters to a Vote of Security Holders

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260612

**DATE AS OF CHANGE**: 20260612

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ponce Financial Group, Inc.
- **CENTRAL INDEX KEY:** 0001874071
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-41255
- **FILM NUMBER:** 261085451

**BUSINESS ADDRESS:**
- **STREET 1:** 2244 WESTCHESTER AVE
- **CITY:** BRONX
- **STATE:** NY
- **ZIP:** 10462
- **BUSINESS PHONE:** 718-931-9000EXT.1168

**MAIL ADDRESS:**
- **STREET 1:** 2244 WESTCHESTER AVE
- **CITY:** BRONX
- **STATE:** NY
- **ZIP:** 10462

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** June 11, 2026<br>

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Ponce Financial Group, Inc.

**(Exact name of Registrant as Specified in Its Charter)**

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---

| | | |
|:---|:---|:---|
| Maryland | 001-41255 | 87-1893965 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 2244 Westchester Avenue |  |  |
| Bronx**,** New York |  | 10462 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

---

**Registrant's Telephone Number, Including Area Code:** (718) 931-9000<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common stock, par value $0.01 per share | PDLB | The Nasdaq Global Market |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 5.07 Submission of Matters to a Vote of Security Holders** 

Ponce Financial Group, Inc. (NASDAQ: PDLB), the holding company for Ponce Bank, held its annual stockholder meeting on June 11, 2026 (the "Annual Meeting"). The business conducted at the Annual Meeting consisted of (a) the election of three directors for a term expiring in 2029, (b) the ratification of the appointment of Forvis Mazars, LLP as independent registered public accounting firm for the year ending December 31, 2026 and (c) approval, on an advisory and non-binding basis, of the compensation of the named executive officers. The following is a summary of the voting results for each matter presented to the stockholders:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a)Proposal I – Election of Directors

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Broker** | **Broker** |
|  | **For** | **For** | **Abstain** | **Abstain** | **Non-Vote** | **Non-Vote** |
| Steven A. Tsavaris |  | 14,732,162 |  | 2,582,284 |  | 2,590,590 |
| James Perez |  | 13,829,594 |  | 3,484,852 |  | 2,590,590 |
| Marlene Cintron |  | 16,825,753 |  | 488,693 |  | 2,590,590 |

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With respect to the foregoing Proposal I, each nominee was elected to the Board of Directors of Ponce Financial Group, Inc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Proposal II – Ratification of the appointment of Forvis Mazars, LLP as Ponce Financial Group, Inc.'s independent registered public accounting firm for the year ending December 31, 2026.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **For** | **For** | **Against** | **Against** | **Abstain** | **Abstain** |
|  | 19,264,595 |  | 176,733 |  | 463,708 |

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There were no broker non-votes.

The foregoing Proposal II was approved.

(c) Proposal III – Approval, on an advisory and non-binding basis, of the compensation of named executive officers.

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  | **Broker** | **Broker** |
| **For** | **For** | **Against** | **Against** | **Abstain** | **Abstain** | **Non-Vote** | **Non-Vote** |
|  | 11,067,224 |  | 5,852,807 |  | 394,415 |  | 2,590,590 |

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The foregoing Proposal III was approved on a non-binding advisory basis.

## Item 8.01 Other Events.
At the Annual Meeting, Carlos P. Naudon, President and Chief Executive Officer of Ponce Financial Group, Inc., delivered remarks to the stockholders, which are furnished herewith as Exhibit 99.1.

The information set forth in this Item 8.01 and in the attached Exhibit 99.1 is deemed to be "furnished" and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that Section.

## Item 9.01 Financial Statements and Exhibits.
(d)<u>Exhibits</u>.

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| | |
|:---|:---|
| **Exhibit Number** | **Description** |
| 99.1 | [<u>Remarks of Carlos P. Naudon at Annual Meeting</u>](pdlb-ex99_1.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL) |

---

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**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | **Ponce Financial Group, Inc.** |
| Date: | June 12, 2026 | By:  | /s/ Carlos P. Naudon |
|  |  |  | **Carlos P. Naudon<br>President and Chief Executive Officer** |

---

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## Exhibit 99.1

**Exhibit 99.1**

**REMARKS OF CARLOS P. NAUDON**

**PRESIDENT AND CHIEF EXECUTIVE OFFICER**

**PONCE FINANCIAL GROUP, INC. AND PONCE BANK**

**THE 2026 ANNUAL SHAREHOLDERS' MEETING**

**PONCE FINANCIAL GROUP, INC.**

**June 11, 2026**

FELLOW SHAREHOLDERS,

OVER THE PAST YEAR, PONCE FINANCIAL GROUP (PFG) HAS REACHED AN IMPORTANT MOMENT IN OUR JOURNEY. AFTER YEARS OF STEADY PROGRESS, WE ARE HITTING OUR STRIDE—AS AN INSTITUTION, AS A COMMUNITY PARTNER, AND AS A MISSION-DRIVEN BANK COMMITTED TO IMPACTFUL ECONOMIC DEVELOPMENT.THIS YEAR, PONCE BANK ACHIEVED A 1% RETURN ON AVERAGE ASSETS.

FOR ANY BANK, A 1% ROA REPRESENTS A KEY BENCHMARK OF PERFORMANCE AND OPERATIONAL DISCIPLINE. FOR US, IT CARRIES ADDITIONAL SIGNIFICANCE. IT DEMONSTRATES THAT WE CAN DELIVER STRONG FINANCIAL RESULTS WHILE REMAINING FULLY COMMITTED TO THE COMMUNITIES AND CUSTOMERS WHO RELY ON US.

AND IT IS NOTED AND APPLAUDED.

S&P GLOBAL RANKED US THE 40TH BEST PERFORMING BANK IN THE COUNTRY AMONG THE $3-10 BILLION ASSET SIZED BANKS FOR 2025.

OUR FINANCIAL RESULTS AT PONCE FINANCIAL GROUP (PFG) ALSO REFLECT STRONG PERFORMANCE AND DISCIPLINED EXECUTION. BASIC EARNINGS PER SHARE FOR 2025 REACHED $1.21, COMPARED TO $0.46 IN 2024 AND $0.15 IN 2023.

OVER THE SAME PERIOD, PFG'S TOTAL REVENUES, INCLUDING NET INTEREST INCOME AND NON-INTEREST INCOME—GREW 45% FROM 2023, WHILE EXPENSES INCREASED JUST 1%.

AS OF DECEMBER 31, 2025, PFG MAINTAINED TOTAL CAPITAL TO RISK-WEIGHTED ASSETS OF 24% (23.72%) AND AN EFFICIENCY RATIO OF 61%, REFLECTING STRONG OPERATIONAL DISCIPLINE.

IN 2025, WE EXPANDED OUR FOOTPRINT WITH THE OPENING OF OUR NEWEST BRANCH IN INWOOD NEIGHBORHOOD OF MANHATTAN, MARKING AN IMPORTANT MILESTONE IN OUR CONTINUED GROWTH AND COMMITMENT TO SERVING OUR CLIENTS MORE EFFECTIVELY.

THIS EXPANSION REFLECTS OUR DEDICATION TO STRENGTHENING OUR PRESENCE IN UNDERSERVED COMMUNITIES WHILE PROVIDING ENHANCED ACCESSIBILITY AND SUPPORT TO OUR VALUED CUSTOMERS. WE LOOK FORWARD TO BECOMING AN ACTIVE PART OF THE INWOOD COMMUNITY AND DELIVERING THE HIGH STANDARD OF SERVICE YOU HAVE COME TO EXPECT FROM US. I SHOULD ALSO NOTE THAT YESTERDAY OUR MIDWOOD BRANCH OFFICIALLY BECAME A BANKING DEVELOPMENT DISTRICT … AND THE RECIPIENT OF $50 MILLION DEPOSIT BETWEEN NY STATE AND NY CITY. WE HAVE POSTED MAYOR MANDANI'S ELOQUENT REMARKS ABOUT PONCE'S ROLE IN UNDERSERVED COMMUNITIES.

IN 2025, OUR PONCE BANK DIRECT DIGITAL SERVICE CONTINUED TO DEMONSTRATE STRONG MOMENTUM, GROWING DEPOSITS BY APPROXIMATELY $20 MILLION TO $55 MILLION.

THIS GROWTH REFLECTS BOTH THE APPEAL OF OUR DIGITAL-FIRST BANKING PLATFORM AND OUR ONGOING COMMITMENT TO PROVIDING ACCESSIBLE, MISSION-DRIVEN BANKING SOLUTIONS TO A BROADER CUSTOMER BASE. THE SUCCESS OF PONCE BANK DIRECT COMPLEMENTS OUR COMMUNITY-FOCUSED BRANCH NETWORK, EXPANDING OUR REACH WHILE MAINTAINING THE SAME HIGH STANDARDS OF SERVICE AND FINANCIAL DISCIPLINE.

WE ARE ALSO ADVANCING KEY TECHNOLOGICAL INITIATIVES, INCLUDING A NEW WEBSITE LAUNCHING IN EARLY Q2 2026 AND ENHANCEMENTS TO OUR ONLINE BANKING PLATFORM MID-2026. ADDITIONALLY, WE IMPLEMENTED "BUILT," AN AI-POWERED PLATFORM THAT FUNDS, DEVELOPS, BUILDS, AND MANAGES

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CONSTRUCTION LENDING ON A SINGLE SYSTEM, POSITIONING PONCE BANK TO CONTINUE CONSTRUCTION LENDING GROWTH WHILE MAINTAINING DISCIPLINED RISK MANAGEMENT.

OUR PROGRESS IS THE RESULT OF INTENTIONAL AND STRATEGIC INVESTMENTS, ALONG WITH THE DEDICATION OF OUR STAFF, WHOSE COMMITMENT TO SERVICE AND COMMUNITY IS AT THE HEART OF EVERYTHING WE DO.

OUR MISSION IS BROUGHT TO LIFE EVERY DAY BY OUR STAFF, WHO REMAIN OUR GREATEST STRENGTH.

DURING THE YEAR, WE MADE MEANINGFUL INVESTMENTS IN TALENT DEVELOPMENT AND ORGANIZATIONAL GROWTH. 30 NEW ROLES, 20 OF WHICH WERE FILLED INTERNALLY, DEMONSTRATING OUR COMMITMENT TO DEVELOPING AND PROMOTING FROM WITHIN.

TO SUPPORT CONTINUED EXPANSION, WE ALSO WELCOMED 50 NEW EMPLOYEES, INCLUDING 4 REHIRES, REPRESENTING A 32% INCREASE IN HIRING COMPARED TO 2024. YET, YEAR-OVER-YEAR OUR EXPENSES GREW BY ONLY 1%.

AS OF DECEMBER 31, 2025:

- PONCE BANK EMPLOYED 216 FULL-TIME EQUIVALENT EMPLOYEES.

- 58% OF CORPORATE OFFICER POSITIONS, 50% OF SENIOR MANAGEMENT (SVP AND ABOVE), AND 29% OF OUR BOARD OF DIRECTORS WERE HELD BY WOMEN, REFLECTING BOTH STRENGTH AND DIVERSITY.

BEYOND THE DAILY WORK, OUR STAFF CONTRIBUTED TO DOZENS OF VOLUNTEER EVENTS AND COMMUNITY INITIATIVES, SUPPORTING LOCAL SCHOOLS, NEIGHBORHOOD IMPROVEMENT PROJECTS, AND SOCIAL PROGRAMS. THESE EFFORTS AMPLIFIED THE IMPACT OF PONCE BANK IN THE COMMUNITIES WHERE OUR CUSTOMERS AND COLLEAGUES LIVE AND WORK.

WE ARE PROUD OF THE TEAM AND CULTURE WE ARE BUILDING, IN FACT, EMPLOYEE SATISFACTION SCORES INCREASED BY 8.82%, AND THE PERCENTAGE OF EMPLOYEES LIKELY TO RECOMMEND PONCE AS A GREAT PLACE TO WORK ROSE BY 18.3%, AS MEASURED BY AN INDEPENDENT THIRD-PARTY ENGAGEMENT SURVEY.

AT THE SAME TIME, WE REMAIN FIRMLY COMMITTED TO OUR MISSION, PARTICULARLY DURING A PERIOD OF ECONOMIC UNCERTAINTY AND RISING CHALLENGES FOR MANY FAMILIES AND SMALL BUSINESSES.

ONE OF THE MOST PRESSING ISSUES IN OUR COMMUNITIES CONTINUES TO BE AFFORDABLE HOUSING. THROUGH OUR LENDING AND PARTNERSHIPS, WE REMAIN FOCUSED ON SUPPORTING THE DEVELOPMENT AND PRESERVATION OF AFFORDABLE HOUSING OPPORTUNITIES. OUR INVESTMENTS IN MISSION-DRIVEN DEPOSITS AND COMMUNITY LENDING HAVE DIRECTLY SUPPORTED THESE INITIATIVES, HELPING FAMILIES SECURE STABLE HOUSING AND STRENGTHENING NEIGHBORHOODS FOR LONG-TERM GROWTH.

OUR WORK REFLECTS THE REMARKABLE DIVERSITY AND ENTREPRENEURIAL ENERGY OF THE COMMUNITIES WE SERVE. MANY OF OUR CUSTOMERS ARE IMMIGRANT ENTREPRENEURS AND FAMILIES WHOSE DETERMINATION AND RESILIENCE DRIVE ECONOMIC ACTIVITY IN OUR MARKETS. THEIR EFFORTS — OFTEN SUPPORTED BY STRONG COMMUNITY NETWORKS — CREATE JOBS, BUILD BUSINESSES, AND CONTRIBUTE TO LONG-TERM NEIGHBORHOOD STABILITY. OUR FINANCIAL MASTERY PROGRAMS, INCLUDING LOCAL BOOTCAMPS AND EDUCATIONAL SCHOLARSHIPS, FURTHER EQUIP INDIVIDUALS WITH THE TOOLS AND KNOWLEDGE TO GROW BUSINESSES, PLAN, AND INVEST IN THEIR COMMUNITIES. FOR MANY OF THESE ENTREPRENEURS, SUCCESS IS ABOUT MORE THAN BUILDING A BUSINESS. IT IS ABOUT CREATING OPPORTUNITIES FOR THE NEXT GENERATION—ENSURING THEIR CHILDREN HAVE STRONGER FOUNDATIONS AND EXPANDED POSSIBILITIES.

AS I NOTED EARLIER, PONCE BANK WAS RANKED #40 AMONG THE TOP 50 BEST-PERFORMING U.S. COMMUNITY BANKS OF 2025 (FOR INSTITUTIONS WITH $3B–$10B IN ASSETS) BY S&P GLOBAL MARKET INTELLIGENCE.

THIS RECOGNITION UNDERSCORES A YEAR OF STRONG PERFORMANCE, DISCIPLINED EXECUTION, AND MEANINGFUL IMPACT ON THE COMMUNITIES WE SERVE. WE BELIEVE IT IS BOTH POSSIBLE AND NECESSARY TO DO WELL WHILE DOING GOOD. FINANCIAL STRENGTH ENABLES US TO EXPAND OUR IMPACT, WHILE OUR MISSION GUIDES WHERE AND HOW WE INVEST THAT STRENGTH.

THROUGH VOLUNTEER INITIATIVES, SCHOLARSHIPS, MISSION-DRIVEN DEPOSITS, COMMUNITY INVESTMENTS, AND FINANCIAL EMPOWERMENT PROGRAMS, WE CONTINUE TO CREATE MEANINGFUL OPPORTUNITIES AND STRENGTHEN THE COMMUNITIES WE SERVE.

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AS WE LOOK AHEAD, OUR FOCUS IS ON PREPARING THE BANK FOR ITS NEXT PHASE OF GROWTH AND TO MEET THE CHALLENGES OF THE ECONOMIC AND POLITICAL UNCERTAINTIES WE FACE. THAT MEANS CONTINUING TO DEPLOY CAPITAL THOUGHTFULLY WHILE STRENGTHENING THE INFRASTRUCTURE THAT WILL ALLOW US TO SCALE RESPONSIBLY. WE WILL CONTINUE TO INVEST IN OUR PEOPLE, PROCESSES, AND TECHNOLOGY, ENHANCING INTERNAL SYSTEMS, IMPROVING OPERATIONAL EFFICIENCY, AND MODERNIZING THE DIGITAL PLATFORMS THAT SUPPORT BOTH OUR BANKERS AND OUR CUSTOMERS. WITH A SOLID FOUNDATION, A CLEAR MISSION, AND A TALENTED TEAM, PONCE BANK IS WELL POSITIONED TO CONTINUE GROWING RESPONSIBLY WHILE EXPANDING THE OPPORTUNITIES WE HELP CREATE.

AS PREVIOUSLY REPORTED, WE'VE ENTERED AN ECIP PURCHASE OPTION AGREEMENT WITH THE US DEPARTMENT OF THE TREASURY, ALLOWING REPURCHASE AS SOON AS 3Q 2026, ASSUMING SATISFACTION OF THE NECESSARY CONDITIONS. WHILE THERE'S NO ASSURANCE AS TO SATISFACTION OF THESE CONDITIONS OR THE FINAL PRICE, IF THE REPURCHASE TRANSACTION IS CONSUMMATED, WE EXPECT THAT IT WILL INCREASE OUR BOOK VALUE PER SHARE. THIS OPPORTUNITY REFLECTS OUR CONTINUED COMMITMENT TO STRENGTHENING SHAREHOLDER VALUE WHILE ADVANCING OUR MISSION TO SUPPORT THE COMMUNITIES WE SERVE.

WHILE THE PATH FORWARD PRESENTS CHALLENGES—INCLUDING ECONOMIC UNCERTAINTY, PERSISTENT HOUSING SHORTAGES, AND EVOLVING COMMUNITY NEEDS—WE REMAIN CONFIDENT THAT OUR MODEL—COMBINING DISCIPLINED BANKING WITH A DEEP COMMITMENT TO COMMUNITY DEVELOPMENT—POSITIONS US WELL FOR THE FUTURE.

TO OUR BANKERS, CUSTOMERS, COMMUNITY PARTNERS, AND SHAREHOLDERS:

THANK YOU FOR THE TRUST YOU PLACE IN US.

TOGETHER, WE ARE BUILDING SOMETHING MEANINGFUL—AN INSTITUTION THAT SUPPORTS BOTH FINANCIAL SUCCESS AND STRONGER COMMUNITIES.

THANK YOU FOR GIVING ME THE OPPORTUNITY TO ADDRESS YOU.

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