Ponce de Leon FSB

2244 Westchester Avenue
Bronx, NY 10462
(718) 931-9000
www.poncedeleonbank.com

OverView
Rates
Health
Reviews

Ponce de Leon FSB is headquartered in Bronx and is the 59^th largest bank in the state of New York. It is also the 871^st largest bank in the nation. It was established in 1960 and as of September of 2011, it had grown to 167 employees at 11 locations. Ponce de Leon FSB has a 3-star health rating.

Competitive 5-Year CD Rate at Ponce De Leon Federal Bank in New York City - 11/15/2010

Ponce de Leon Federal Bank is offering a competitive 5-year CD rate of 2.75% APY. Minimum deposit is $500. This rate is listed at the bank's rates page as of 11/15/2010. As a comparison to internet ba ...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Ponce de Leon FSB Checking Account Rates

Apy	Min	Max	Product
0.60%	$50k	-	Money Market Checking
0.30%	-	-	Negotiable Order of Withdrawal (NOW)

Ponce de Leon FSB Savings Account Rates

Apy	Min	Max	Product
0.50%	$10k	-	Super Savers High Interest
0.30%	-	-	Passbook Savings
0.30%	-	-	Statement Savings
0.30%	-	-	Business Passbook Savings
0.30%	-	-	Business Statement Savings

Ponce de Leon FSB Money Market Rates

	Apy	Min	Max	Product
	0.20%	-	-	Money Market

Ponce de Leon FSB CD Rates

Apy	Min	Max	Product
1.85%	$500	-	60 Month CD
1.60%	$500	-	48 Month CD
1.35%	$500	-	36 Month CD
1.10%	$500	-	24 Month CD
0.65%	$500	-	12 Month CD
0.50%	$1k	-	7 Month CD Special
0.45%	$500	-	6 Month CD
0.35%	$500	-	3 Month CD

Ponce de Leon FSB IRA Rates

Apy	Min	Max	Product
1.85%	$500	-	60 Month IRA
1.85%	$500	-	60 Month Roth IRA
1.85%	$500	-	60 Month CESA
1.60%	$500	-	48 Month IRA
1.60%	$500	-	48 Month Roth IRA
1.60%	$500	-	48 Month CESA
1.35%	$500	-	36 Month IRA
1.35%	$500	-	36 Month Roth IRA
1.35%	$500	-	36 Month CESA
1.10%	$500	-	24 Month IRA
1.10%	$500	-	24 Month Roth IRA
1.10%	$500	-	24 Month CESA
0.65%	$500	-	12 Month IRA
0.65%	$500	-	12 Month Roth IRA
0.65%	$500	-	12 Month CESA
0.50%	$1k	-	7 Month IRA Special
0.50%	$1k	-	7 Month Roth IRA Special
0.50%	$1k	-	7 Month CESA Special
0.45%	$500	-	6 Month IRA
0.45%	$500	-	6 Month Roth IRA
0.45%	$500	-	6 Month CESA
0.35%	$500	-	3 Month IRA
0.35%	$500	-	3 Month Roth IRA
0.35%	$500	-	3 Month CESA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

Ponce De Leon Federal Bank
OTS #	06509
FDIC Certificate #	31189
BankRate Report	View
Year Established	1960
Employees	167
Primary Regulator	OCC
Assets and Liabilities
Assets	$761.57 million
Loans	$612.37 million
Deposits	$675.07 million
Equity Capital	$82.97 million
Loan Loss Allowance	$5.46 million
Unbacked Noncurrent Loans	$43.00 million
Real Estate Owned	$1.71 million
Historic Data - September 2010
Assets	$719.00 million
Equity Capital	$75.42 million
Loan Loss Allowance	$7.63 million
Unbacked Noncurrent Loans	$45.30 million
Profit Margin - Quarterly
Net Interest Margin	4.78%
Return on Assets	0.66%
Return on Equity	6.15%
Interest Income	$33.76 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Ponce de Leon FSB had $44.71 million in non-current loans and owned real-estate with $88.44 million in equity and loan loss allowances on hand to cover it. This gives Ponce de Leon FSB a Texas Ratio of 50.56% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Ponce de Leon FSB held steady from 54.54% as of September 30, 2010 to 50.56% as of September 30, 2011, resulting in a positive change of 7.31%.This indicates that the balance sheet and financial strength for Ponce de Leon FSB has held steady in recent periods.
Deposit Growth
In the past year, Ponce de Leon FSB has increased its total deposits by $41.61 million, resulting in 6.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ponce de Leon FSB has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ponce de Leon FSB has $761.57 million in assets with $88.44 million in equity, resulting in a capitalization level of 11.61%, which is above average.