SCHEDULE 13G 0001924547 XXXXXXXX LIVE Common Stock, $0.01 par value 12/31/2024 0001874071 Ponce Financial Group, Inc. 732344106 2244 Westchester Avenue Bronx NY 10462 Rule 13d-1(b) Ponce Bank Employees Stock Ownership Plan with 401(k) Provisions ME 1301988 645379 1947667 0 1947667 N 8.1 EP Ponce Financial Group, Inc. 2244 Westchester Avenue, Bronx, NY 10462 Ponce Bank Employees Stock Ownership Plan with 401(k) Provisions c/o Pentegra Services, Inc., 2 Enterprise Drive, Suite 408, Shelton, CT 06484 Maine N EP See Box 9 on cover page See Box 11 on cover page. Based on 23,961,214 shares outstanding as of December 31, 2024 See Box 5 on cover page. Shares of common stock are held in trust for the benefit of participating employees by the Trustee. Pursuant to the terms of the ESOP, the Trustee has the ability to vote shares allocated to participant accounts as directed by participants as well as unallocated shares for which no voting instructions are received in the same proportion as shares for which the Trustee has received voting instructions from participants. See Box 6 on cover page. See Box 7 on cover page. See Box 8 on cover page. Y Y Y Y Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11. Ponce Bank Employees Stock Ownership Plan with 401(k) Provisions /s/Paula Edmonds 02/11/2025