X0508 4 2023-07-24 0 0001874071 Ponce Financial Group, Inc. PDLB 0001819340 Lagoudis Michael J. 2244 WESTCHESTER AVENUE BRONX NY 10462 0 1 0 0 Senior Vice President 0 Common stock 2022-07-23 4 F 0 1731 9.31 D 19197 D Common Stock 2023-07-24 4 F 0 321 9.40 D 18876 D Common Stock 5000 I By Wife Common Stock 2253 I By ESOP Includes 8,371 shares of restricted stock units, of which 4,186 shares to vest on July 23, 2024 and 4,185 to vest on July 23, 2025. /s/Frank Perez, as attorney in fact 2023-07-27