|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Ponce Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
Ponce Bank's 13-month CD Inwood Branch Special rates are at 4.25%, 7-Month CD rates are at 4.00%, 6-Months Term 6-Month Certificate of Deposit rates are at 3.80%, 24-Months 24-Month IRA Certificate of Deposit rates are at 3.60%, 03-MonthS 03-Month 03-Month Certificate of Deposit rates are at 3.50%. Ponce Bank's savings rates are at 0.10%. Ponce Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Ponce Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.49%. Rates last updated and verified on 09/18/2026. Ponce Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ponce Bank? Share your experience about Ponce Bank by leaving a review below, or read customer reviews before you decide to use Ponce Bank. 
Ponce Bank CD Rates
Ponce Bank Savings Rates
Ponce Bank Money Market Rates
Ponce Bank Checking Rates
Ponce Bank Other Rates
Financial Health HistoryPonce Bank’s Texas Ratio rose from 3.64% in Q3 2023 to 4.49% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ponce Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Ponce Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ponce Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Ponce Bank
Bank Holding Company
PONCE FINANCIAL GROUP INC
Address
2244 Westchester Ave,
Bronx, NY 10462 · Bronx
Website
https://www.poncebank.com
FDIC Certificate #
31189
Established
19600331
FDIC Insurance Date
19890809
Domestic Offices
13
Total Branches
14
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.49%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.1500%
Return on Equity (ROE)
7.4400%
Non-Performing Loans (NPL)
0.68%
Total Assets
$3,485,007,000
Total Deposits
$2,287,013,000
Equity Capital
$525,284,000
Net Income
$19,146,000
Headquarters
Bronx
Total Branches and Offices
13
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Ponce Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Ponce Bank
Frequently Asked Questions About Ponce BankHow many branches does Ponce Bank operate?Ponce Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Ponce Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ponce Bank provides members with tools to manage their accounts and build a solid financial history. Does Ponce Bank offer online and mobile banking?Most modern institutions like Ponce Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.poncebank.com. Current Ponce Bank Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Bank of Hawaii
Elysian Bank
Century Bank Lucedale, MS
Community Bank Bristow, OK
Genoa Banking Company
Fisher National Bank
Valley Central Bank
Versailles S&L Co.
Commercial Savings Bank
First Federal Bank Littlefield, Texas
Security Bank of Pulaski County
Brighton Bank TN
The Union Bank of Mena
FNB of Griffin
Titan Bank
Milledgeville State Bank
Peoples State Bank Rocksprings, TX
New Millennium Bank
Oakworth Capital Bank
Havana National Bank
Liberty Bank, Inc.
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
