Ioannis Kouzilos - 11 Feb 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
11 Feb 2026
Net transactions value
-$183,716
Form type
4
Filing time
13 Feb 2026, 12:14:12 UTC
Previous filing
26 Jan 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 13 Feb 2026 0001717596

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction PDLB Common Stock Options Exercise $30,579 +2,929 +7.9% $10.44 40,006 11 Feb 2026 Direct
transaction PDLB Common Stock Options Exercise $53,240 +4,000 +10% $13.31 44,006 11 Feb 2026 Direct
transaction PDLB Common Stock Options Exercise $20,660 +2,000 +4.5% $10.33 46,006 11 Feb 2026 Direct
transaction PDLB Common Stock Options Exercise $21,040 +2,000 +4.3% $10.52 48,006 11 Feb 2026 Direct
transaction PDLB Comnmon Stock Sale $183,716 -10,929 -23% $16.81 37,077 11 Feb 2026 Direct F1, F2, F3

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 Premium Stock Options Options Exercise $20,660 -2,000 -100% $10.33 0 11 Feb 2026 Common Stock 2,000 $10.33 Direct
transaction PDLB Premium Stock Options Options Exercise $21,040 -2,000 -100% $10.52 0 11 Feb 2026 Common Stock 2,000 $10.52 Direct
transaction PDLB Stock Options Options Exercise $30,579 -2,929 -60% $10.44 1,954 11 Feb 2026 Common Stock 2,929 $10.44 Direct F4
transaction PDLB Non-Premium Stock Options Options Exercise $53,240 -4,000 -20% $13.31 16,000 11 Feb 2026 Common Stock 4,000 $13.31 Direct F5
holding PDLB Premium Stock Options 2,000 11 Feb 2026 Common Stock 2,000 $10.70 Direct
holding PDLB Premium Stock Options 2,000 11 Feb 2026 Common Stock 2,000 $10.89 Direct
holding PDLB Premium Stock Options 2,000 11 Feb 2026 Common Stock 2,000 $11.08 Direct
holding PDLB Non-Premium Stock Options 7,500 11 Feb 2026 Common Stock 7,500 $16.88 Direct F6
holding PDLB Premium Stock Options 1,500 11 Feb 2026 Common Stock 1,500 $18.57 Direct
holding PDLB Premium Stock Options 1,500 11 Feb 2026 Common Stock 1,500 $18.91 Direct
holding PDLB Premium Stock Options 1,500 11 Feb 2026 Common Stock 1,500 $19.24 Direct
holding PDLB Premim Stock Options 1,500 11 Feb 2026 Common Stock 1,500 $19.58 Direct
holding PDLB Premium Stock Options 1,500 11 Feb 2026 Common Stock 1,500 $19.92 Direct
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 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.
F2 Includes 4,000 shares of previously awarded restricted stock units that vest in four equal installments on February 4, 2027, 2028, 2029 and 2030.
F3 This Form 4 reflects ESOP dispositions that have occurred since the date of the reporting person's last ownership report. As of the date of this report, all such shares have been disposed of in connection with a diversification election.
F4 The remaining options will vest in two equal installments on April 1. 2026 and 2027. Total remaining reflects a correction to the previously filed Form 4, which reported 4,833 options outstanding. The correct total was 4,883, of which 1,954 remain unexercised.
F5 Remaining non-premium stock options vest in equal installment on February 2, 2027, 2028, 2029 and 2030
F6 Stock options vest annually at a rate of 20% commencing on January 22, 2027