PDLB · Ponce Financial Group, Inc.

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.

Includes 4,000 shares of previously awarded restricted stock units that vest in four equal installments on February 4, 2027, 2028, 2029 and 2030.

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.

Remaining non-premium stock options vest in equal installment on February 2, 2027, 2028, 2029 and 2030

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.

Stock options commence vesting at a rate of 20% starting on February 9, 2027.

Shares of restricted stock units vest annually at a rate of 20% per year commencing on February 9, 2027.

Includes 5,500 shares of restricted stock, 500 shares each will vest on December 7, 2026, December 7, 2027 and December 8, 2027 and 1,000 shares each will vest on February 4, 2027, February 4, 2028, February 4, 2029 and February 4, 2030.

Stock options commence vesting annually at a rate of 20% starting on February 9, 2027

Shares of restricted stock units vest annually at a rate of 20% per year commencing on February 9, 2027.

Stock options vest annually at a rate of 20% commencing on January 22, 2027

Shares of restricted stock units vest annually at a rate of 20% per year commencing on January 22, 2027 and were granted for no consideration.

Includes 21,000 shares of previously awarded restricted stock units, of which 7,000 shares vest on December 4, 2026, 7,000 shares vest on December 4, 2027 and 7,000 shares vest on December 4, 2028

Includes 5,000 shares of restricted stock units vest annually at a rate of 20% per year commencing on February 4, 2026

Shares of restricted stock units vest annually at a rate of 20% per year commencing on January 22 2027 and were granted for no consideration.

Includes 11,000 shares of previously awarded restricted stock units, of which 3,666 shares vest on December 4, 2026, 3,667 shares vest on December 4, 2027 and 3,667 vest on December 4, 2028.

Includes 5,000 shares of previously awarded restricted stock units that vest annually at a rate of 20% per year commencing on February 4, 2026.

Stock options vest annually at a rate of 20% commencing on January 22, 2027

Shares of restricted stock units vest annually at a rate of 20% per year commencing on January 22, 2027.

Includes 126,852 shares of restricted stock units, of which 42,595 shares vest on December 7, 2026 and 2027 and 42,596 shares vest on December 7, 2028.

Shares of restricted stock units vest annually at a rate of 20% per year commencing on January 22, 2027 and were granted for no consideration.

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.

Includes 5,000 shares of previously awarded restricted stock units that vest annually at a rate of 20% per year commencing on February 4, 2026.

Stock options vest annually at a rate of 20% commencing on January 22, 2027

Stock options vest annually at a rate of 20% commencing on January 22, 2027

Non-Premium stock options vest annually at a rate of 20% commencing on January 22, 2027