GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

PDLB · Sep 30, 2023

Ponce Financial Group, Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000950170-23-061983Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

-2.83% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

321.68% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

54.88% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$117.0M · CORE · NOT_ENOUGH_HISTORY

Sequential loan growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.loans

5.46% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History18 statesSelf-history eligible
Mar 31, 20220/3 normalizedLevel 3Jun 30, 20220/3 normalizedLevel 3Sep 30, 20220/3 normalizedLevel 3Dec 31, 20220/6 normalizedLevel 3Mar 31, 20230/5 normalizedLevel 3Jun 30, 20230/6 normalizedLevel 3Sep 30, 20230/5 normalizedLevel 3Dec 31, 20231/5 normalizedLevel 3Mar 31, 20243/6 normalizedLevel 3Jun 30, 20242/4 normalizedLevel 3Sep 30, 20242/4 normalizedLevel 3Dec 31, 20243/5 normalizedLevel 3Mar 31, 20253/4 normalizedLevel 3Jun 30, 20253/4 normalizedLevel 3Sep 30, 20253/4 normalizedLevel 3Dec 31, 20255/5 normalizedLevel 3Mar 31, 20264/4 normalizedLevel 3Jun 30, 20264/4 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
7.86%
Current
-2.83%
Delta
-10.70%
Funding Cost Growth Decreased
Previous
779.87%
Current
321.68%
Delta
-458.19%
Interest Income Growth Decreased
Previous
80.90%
Current
54.88%
Delta
-26.02%
Liquidity Decreased
Previous
$243.8M
Current
$117.0M
Delta
-$126.8M
Loan Growth Increased
Previous
4.99%
Current
5.46%
Delta
0.47%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · PDLB Fundamental State →Transitioned To · PDLB Fundamental State →Transitioned To · PDLB DEPOSIT_GROWTH_DECREASED →Transitioned To · PDLB FUNDING_COST_GROWTH_DECREASED →Transitioned To · PDLB INTEREST_INCOME_GROWTH_DECREASED →Transitioned To · PDLB LIQUIDITY_DECREASED →Transitioned To · PDLB LOAN_GROWTH_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.