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美国
证券交易委员会
华盛顿特区 20549

表格 8-K

当前报告

根据 1934 年《证券交易法》第 13 或 15(d) 条提交

\n \n \n \n \n \n

报告日期（最早报告事件日期）：2026 年 10 月 26 日

Ponce Financial Group, Inc.

（注册人章程中列明的准确名称）

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n	\n	\n	\n	\n
马里兰州	001-41255	87-1893965
（注册成立州或其他司法管辖区）	（委员会档案编号）	（美国国税局雇主识别号码）

西切斯特大道 2244 号
布朗克斯，纽约州		10462
（主要行政办公室地址）		（邮政编码）

\n \n \n \n \n \n

注册人电话号码（含区号）： (718) 931-9000

\n \n \n \n \n \n

（自上次报告以来如有变更的前名称或前地址）

如果提交本 8-K 表格旨在同时履行注册人根据以下任一规定承担的申报义务，请勾选相应方框：

☐根据《证券法》规则 425 进行的书面通信（17 CFR 230.425）

☐根据《交易法》规则 14a-12 进行的征求材料（17 CFR 240.14a-12）

☐根据《交易法》规则 14d-2(b) 进行的要约收购前通信（17 CFR 240.14d-2(b)）

☐根据《交易法》规则 13e-4(c) 进行的要约收购前通信（17 CFR 240.13e-4(c)）

根据该法第 12(b) 条注册的证券：

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n	\n	\n	\n	\n
各类别证券名称		交易代码		注册所在交易所名称
普通股，每股面值 $0.01		PDLB		纳斯达克全球市场

请勾选表明注册人是否为《1933 年证券法》规则 405（本章 § 230.405）或《1934 年证券交易法》规则 12b-2（本章 § 240.12b-2）所定义的新兴成长型公司。

新兴成长型公司 ☐

如果是新兴成长型公司，请勾选注册人是否选择不采用《交易法》第 13(a) 条规定的、遵守任何新颁布或修订的财务会计准则的延长过渡期。 ☐

第 2.02 项经营业绩和财务状况。

2026 年 10 月 26 日，Ponce Financial Group, Inc.（“公司”）作为 Ponce Bank, National Association（“Ponce Bank”或“银行”）的控股公司，发布新闻稿，公布截至 2026 年 9 月 30 日的第三季度财务业绩。公司的新闻稿作为本报告的附件 99.1。

本第 2.02 项及随附附件 99.1 中所载信息视为“提供”，就经修订的《1934 年证券交易法》（“《交易法》”）第 18 条而言，不视为“申报”，亦不受该条规定的责任约束。

第 7.01 项 FD 条例披露。

公司计划于 2026 年 10 月 26 日之后向现有及潜在投资者进行演示。本 8-K 表格的附件 99.2 随附 Ponce Financial Group, Inc. 将在这些演示中提供并发布于其网站 www.poncebank.com 的演示文稿副本。本报告提交给 SEC，仅供提供之用，不应视为任何目的下的“申报”。

第 9.01 项财务报表及附件。

(d)附件。

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n	\n	\n
附件编号		说明

99.1		2026 年 10 月 26 日的新闻稿
99.2		Ponce Financial Group 演示文稿
104		封面交互式数据文件（嵌入 Inline XBRL 中）

签名

根据《1934 年证券交易法》的要求，注册人已正式授权下列签署人代表其签署本报告。

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n	\n	\n	\n
			Ponce Financial Group, Inc.

日期：	2026 年 10 月 26 日	签署人：	/s/ Carlos P. Naudon
			Carlos P. Naudon 总裁兼首席执行官

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表格 8-K

第 2.02 项 经营业绩和财务状况。

第 7.01 项 FD 条例披露。

第 9.01 项 财务报表及附件。

第 2.02 项经营业绩和财务状况。

第 9.01 项财务报表及附件。