Overview / Commentary
2244 Westchester Avenue
Bronx, NY 10462

Ponce Bank is headquartered in Bronx and is the 52nd largest bank in the state of New York. It is also the 787th largest bank in the nation. It was established in 1960 and as of September of 2018, it had grown to 175 employees at 14 locations. Ponce Bank's CD rates are 12% higher than the national average, and it has an A health rating.

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Reviews (1)

Excellent bank

I deposited $20,000 dollars split up between a savings account and a three month CD. Their rates are competitive with three month CDs at 0.25 percent interest. Their savings accounts have 0.10 percent interest. These rates are slightly better than the big name banks. Everyone in this bank is competent and caring. Their checking accounts are totally free with no strings attached in terms of fees. Again, this is better than what I have seen in other big name banks. My whole family does their banking with this bank because of the above. I wholeheartedly recommend this bank to anyone looking for a good local banking institution.


Health Grade Components

FDIC Certificate #31189
Year Established1960
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.47%
Annual Interest Income$33.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$981.1MM$890.2MM
LoansQ3 2018vs Q3 2017$893.9MM$767.7MM
DepositsQ3 2018vs Q3 2017$802.7MM$736.1MM
Equity CapitalQ3 2018vs Q3 2017$128.3MM$127.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$12.4MM$11.1MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$6.6MM$9.4MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Ponce Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ponce Bank Savings Account Rates

0.25%*$10k*-Super Savers High Interest Special
OTHER TIERS: 0.15% $500 - $10k
0.10%$500-Passbook Savings
0.10%$500-Statement Savings

Ponce Bank Money Market Rates

0.35%*$50k*-Money Market Checking
OTHER TIERS: 0.15% $10k - $25k | 0.25% $25k - $50k
0.10%--Money Market

Ponce Bank Checking Account Rates

0.15%$1k-Negotiable Order of Withdrawal (NOW)

Ponce Bank CD Rates

1.85%$1k-60 Month CD
1.50%$1k-48 Month CD
1.25%$1k-36 Month CD
1.20%$1k-30 Month CD
1.10%$1k-24 Month CD
1.05%$500-18 Month CD
1.01%$1k-12 Month CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD
0.20%$500-1 Month CD
0.20%$500-2 Month CD

Ponce Bank IRA Rates

2.11%$1k-60 Month IRA
1.60%$1k-48 Month IRA
1.35%$1k-36 Month IRA
1.20%$1k-24 Month IRA
1.06%$1k-18 Month IRA
1.01%$1k-12 Month IRA
0.40%$500-6 Month IRA
0.35%$500-3 Month IRA
0.30%$500-1 Month IRA
0.30%$500-2 Month IRA


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