# EDGAR Filing Document

**Accession Number:** 0001874071
**File Stem:** 0001193125-26-044597
**Filing Date:** 2026-2
**Character Count:** 7072
**Document Hash:** 6073b10a715c2672721389abe77f4063
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-044597.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0001193125-26-044597

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20260209

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** DeLeon Melissa Antonia
- **CENTRAL INDEX KEY:** 0002109390

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-41255
- **FILM NUMBER:** 26615741

**MAIL ADDRESS:**
- **STREET 1:** C/O PONCE BANK, 2244 WESTCHESTER AVENUE
- **CITY:** BRONX
- **STATE:** NY
- **ZIP:** 10462
**ISSUER**: 

**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

**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

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

## FORM 4

### STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

[ ] Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>DeLeon Melissa Antonia<br><sub>(Last) (First) (Middle)</sub><br>C/O PONCE BANK<br>2244 WESTCHESTER AVENUE<br><sub>(Street)</sub><br>BRONX, NY 10462<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2026-02-09 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [ ] 10% Owner<br>[X] Officer (give title below) [ ] Other (specify below)<br>_Chief Human Resources Officer_ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>Ponce Financial Group, Inc. [ PDLB ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | 3. Transaction Code (V) | 3. Transaction Code (V) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | Code | V | Amount | (A) or (D) | Price | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| Common Stock | 2026-02-09 |  | A |  | 5000 | A | $0 | 5000<sup>(1)</sup> | D |  |
| Common Stock |  |  |  |  |  |  |  | 6512 | I | By ESOP |

---

## Table II - Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | 4. Transaction Code (V) | 4. Transaction Code (V) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 6. Date Exercisable and Expiration Date | 6. Date Exercisable and Expiration Date | 7. Title and Amount of Underlying Securities | 7. Title and Amount of Underlying Securities | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | Code | V | (A) | (D) | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| Non-Premium Stock Options | $16.87 | 2026-02-09 |  | A |  | 5000 |  | 2027-02-09 | 2036-02-08 | Common Stock | 5000 | $16.87 | 5000<sup>(2)</sup> | D |  |
| Premium Stock Optons | $18.56 | 2026-02-09 |  | A |  | 1000 |  | 2027-02-09 | 2036-02-08 | Common Stock | 1000 | $18.56 | 1000 | D |  |
| Premium Stock Options | $18.89 | 2026-02-09 |  | A |  | 1000 |  | 2028-02-09 | 2036-02-08 | Common Stock | 1000 | $18.89 | 1000 | D |  |
| Premium Stock Options | $19.23 | 2026-02-09 |  | A |  | 1000 |  | 2029-02-09 | 2036-02-08 | Common Stock | 1000 | $19.23 | 1000 | D |  |
| Premium Stock Options | $19.57 | 2026-02-09 |  | A |  | 1000 |  | 2030-02-09 | 2036-02-08 | Common Stock | 1000 | $19.57 | 1000 | D |  |
| Premium Stock Options | $19.91 | 2026-02-09 |  | A |  | 1000 |  | 2031-02-09 | 2036-02-08 | Common Stock | 1000 | $19.91 | 1000 | D |  |
| Non-Premium Stock Options | $10.44 |  |  |  |  |  |  | 2023-04-01 | 2033-03-31 | Common Stock | 4883 |  | 4883<sup>(3)</sup> | D |  |
| Non-Premium Stock Options | $13.31 |  |  |  |  |  |  | 2026-02-04 | 2036-02-03 | Common Stock | 5000 |  | 5000<sup>(4)</sup> | D |  |

---

### Footnotes:

(1) Shares of restricted stock units vest annually at a rate of 20% per year commencing on February 9, 2027.

(2) Stock options commence vesting annually at a rate of 20% starting on February 9, 2027

(3) Stock options commenced vesting annually at a rate of 20% starting on April 1, 2023.

(4) Stockkoptions commence vesting annually at a rate of 20% starting on February 4, 2026.

**Signature:** /s/ Megan Foscaldi, as attorney in fact  
**Date:** 2026-02-10

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**