Bank · FDIC insured
Ponce Bank
Top CarrotA $3.5B bank, the 370th largest of 4,207, headquartered in Bronx, NY, with 14 branches in 2 states. Best rates: CDs 4.25% and savings 3.00% APY.
Ponce Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#44 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Ponce Bank
Founded in 1960 by migrants from Puerto Rico, Ponce Bank has served the New York City metropolitan area for more than 60 years.
Certified as both a Community Development Financial Institution and a Minority Depository Institution, the bank provides banking services and financial education to invest in underbanked neighborhoods.
- Headquarters
- 2244 Westchester Ave, Bronx, NY 10462
- FDIC certificate
- 31189 ↗
Branches
14 branches in 2 states
Loading map…
New York
13 branches
- Ponce Bank, National AssociationMain office2244 Westchester Ave, Bronx, NY 10462Directions
- Astoria Branch3405 Broadway, Astoria, NY 11106Directions
- Jerome Avenue Branch51 E 170th St, Bronx, NY 10452Directions
- Riverdale Branch5560 Broadway, Bronx, NY 10463Directions
- Southern Boulevard Branch952 Southern Blvd Fl 2, Bronx, NY 10459Directions
- Westchester Avenue Branch2244 Westchester Ave, Bronx, NY 10462Directions
- Bensonhurst Branch2047 86th St, Brooklyn, NY 11214Directions
- Brooklyn Branch169 Smith St, Brooklyn, NY 11201Directions
- Flatlands Branch1900 Ralph Ave, Brooklyn, NY 11234Directions
- Forest Hills Branch10020 Queens Blvd, Forest Hills, NY 11375Directions
- Jackson Heights, Queens Branch3747 82nd St, Jackson Heights, NY 11372Directions
- Inwood Branch3876 9th Ave, New York, NY 10034Directions
- Manhattan Branch207 E 106th St, New York, NY 10029Directions
New Jersey
1 branch
- Union City Branch3821 Bergenline Ave, Union City, NJ 07087Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.81% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.81% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.15% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $127 | $88 | — |
- CapitalLeverage ratio15.81%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.81%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.15%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$127Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Ponce Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.