Ioannis Kouzilos - 22 Jan 2026 Form 4 Insider Report for Ponce Financial Group, Inc. (PDLB)

Role
EVP & Chief Lending Officer
Signature
/s/Megan Foscaldi, as attorney in fact
Issuer symbol
PDLB
Transactions as of
22 Jan 2026
Net transactions value
+$270,930
Form type
4
Filing time
26 Jan 2026, 21:40:32 UTC
Previous filing
06 Feb 2025
Next filing
13 Feb 2026
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Kouzilos Ioannis EVP & Chief Lending Officer 2244 WESTCHESTER AVENUE, BRONX /s/Megan Foscaldi, as attorney in fact 26 Jan 2026 0001717596

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction PDLB Common Stock Award $0 +5,000 +16% $0.000000 37,077 22 Jan 2026 Direct F1, F2, F3
holding PDLB Common Stock 12,354 22 Jan 2026 By ESOP F4

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction PDLB Stock options Award $126,600 +7,500 $16.88 7,500 22 Jan 2026 Common Stock 7,500 $16.88 Direct F5
transaction PDLB Premium Stock Options Award $27,855 +1,500 $18.57 1,500 22 Jan 2026 Common Stock 1,500 $18.57 Direct
transaction PDLB Premium Stock Options Award $28,365 +1,500 $18.91 1,500 22 Jan 2026 Common Stock 1,500 $18.91 Direct
transaction PDLB Premium Stock Option Award $28,860 +1,500 $19.24 1,500 22 Jan 2026 Commonm Stock 1,500 $19.24 Direct
transaction PDLB Premium Stock Option Award $29,370 +1,500 $19.58 1,500 22 Jan 2026 Common Stock 1,500 $19.58 Direct
transaction PDLB Premium Stock Otpion Award $29,880 +1,500 $19.92 1,500 22 Jan 2026 Common Stock 1,500 $19.92 Direct
holding PDLB Premium Stock Options 2,000 22 Jan 2026 Common Stock 2,000 $10.33 Direct
holding PDLB Premium Stock Options 2,000 22 Jan 2026 Commomn Stock 2,000 $10.52 Direct
holding PDLB Premium Stock Options 2,000 22 Jan 2026 Common Stock 2,000 $10.70 Direct
holding PDLB Premium Stock Options 2,000 22 Jan 2026 Common Stock 2,000 $10.89 Direct
holding PDLB Premium Stock Options 2,000 22 Jan 2026 Common Stock 2,000 $11.08 Direct
holding PDLB Stock Options 4,833 22 Jan 2026 Common Stock 4,833 $10.44 Direct F6
holding PDLB Non-Premium Stock Options 20,000 22 Jan 2026 Common Stock 20,000 $13.31 Direct F7
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 Shares of restricted stock units vest annually at a rate of 20% per year commencing on January 22, 2027 and were granted for no consideration.
F2 Includes 5,000 shares of previously awarded restricted stock units, of which 1,666 shares vest on December 7, 2026, 1,667 shares vest on December 7, 2027 and 1,667 shares vest on December 7, 2028.
F3 Includes 5,000 shares of previously awarded restricted stock units that vest annually at a rate of 20% per year commencing on February 4, 2026.
F4 Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report
F5 Stock options vest annually at a rate of 20% commencing on January 22, 2027
F6 Stock Options vest annually at a rate of 20% per year commencing on April 1, 2023
F7 Non-Premium Stock Options vest annually at a rate of 20% per year commencing on February 4, 2026