<SEC-DOCUMENT>0000950170-25-015054.txt : 20250206
<SEC-HEADER>0000950170-25-015054.hdr.sgml : 20250206
<ACCEPTANCE-DATETIME>20250206094124
ACCESSION NUMBER:		0000950170-25-015054
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20250204
FILED AS OF DATE:		20250206
DATE AS OF CHANGE:		20250206

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Marquez Madeline V.
		CENTRAL INDEX KEY:			0001717603
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41255
		FILM NUMBER:		25595766

	MAIL ADDRESS:	
		STREET 1:		C/O PDL COMMUNITY BANCORP
		STREET 2:		2244 WESTCHESTER AVENUE
		CITY:			BRONX
		STATE:			NY
		ZIP:			10462

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Ponce Financial Group, Inc.
		CENTRAL INDEX KEY:			0001874071
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2244 WESTCHESTER AVE
		CITY:			BRONX
		STATE:			NY
		ZIP:			10462
		BUSINESS PHONE:		718-931-9000EXT.1168

	MAIL ADDRESS:	
		STREET 1:		2244 WESTCHESTER AVE
		CITY:			BRONX
		STATE:			NY
		ZIP:			10462
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>ownership.xml
<DESCRIPTION>4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0508</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2025-02-04</periodOfReport>

    <issuer>
        <issuerCik>0001874071</issuerCik>
        <issuerName>Ponce Financial Group, Inc.</issuerName>
        <issuerTradingSymbol>PDLB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001717603</rptOwnerCik>
            <rptOwnerName>Marquez Madeline V.</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2244 WESTCHESTER AVENUE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>BRONX</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10462</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>false</isDirector>
            <isOfficer>true</isOfficer>
            <isTenPercentOwner>false</isTenPercentOwner>
            <isOther>false</isOther>
            <officerTitle>Chief External Affairs Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>false</aff10b5One>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Non-Premium Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>13.31</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2025-02-04</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2025-02-04</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>5000</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>13.31</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2026-02-04</value>
            </exerciseDate>
            <expirationDate>
                <value>2035-02-03</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>5000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeHolding>
            <securityTitle>
                <value>Premium Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>10.33</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2024-12-07</value>
            </exerciseDate>
            <expirationDate>
                <value>2033-12-06</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Premium Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>10.52</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2025-12-07</value>
            </exerciseDate>
            <expirationDate>
                <value>2033-12-06</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Premium Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>10.7</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2026-12-07</value>
            </exerciseDate>
            <expirationDate>
                <value>2033-12-06</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Premium Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>10.89</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2027-12-07</value>
            </exerciseDate>
            <expirationDate>
                <value>2033-12-06</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Premium Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>11.08</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2028-12-07</value>
            </exerciseDate>
            <expirationDate>
                <value>2033-12-06</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Non-Premium Stock Options vest annually at a rate of 20% per year commencing on February 4, 2026</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/Megan Foscaldi, as attorney in fact</signatureName>
        <signatureDate>2025-02-06</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
