Ponce Financial Group, operating as Ponce Bank, is a community bank headquartered in the Bronx that serves minority and immigrant communities across New York, New Jersey, and Florida through a network of branches. The bank generates revenue primarily from net interest income on its lending and investment portfolios, which include multi-family residential mortgages, commercial real estate loans, construction loans, and SBA loans, as well as from deposit gathering through retail accounts and securities investments. The company also generates non-interest income from service charges, fees, and loan sales, and serves underbanked populations as a designated Community Development Financial Institution and Minority Depository Institution, complementing its traditional banking operations with partnerships that enable mobile lending and digital deposit gathering.