KOUZILOS IOANNIS (Chief Lending Officer) sold 22.8% of their position (10.93K shares) of PONCE FINANCIAL GROUP, INC. on the open market

Open‑market sale worth $183.7K — a significant reduction. Review remaining holdings and any 10b5‑1 plan disclosures.

S · 1 sale

KOUZILOS IOANNIS

Filed: 2/13/2026ACC: 0001193125-26-050521

InsiderKOUZILOS IOANNISCIK 1717596

→

IssuerPONCE FINANCIAL GROUP, INC.CIK 1874071

Officer· Chief Lending Officer

Since Jan 2022

-10.93K

Net shares

Net seller

$183.7K

Total sold

Open market trades

0B · 1S

Total transactions

10.93K acquired · 21.86K disposed

Non-Derivative Transactions5

Common Stock

Direct

M · Option Exercise

+2.93K

Price / share

$10.44

Trade value

$30.58K

% of position

7.9%

2/11/2026

37.08K→40.01K

Common Stock

Direct

M · Option Exercise

+4K

Price / share

$13.31

Trade value

$53.24K

% of position

10.0%

2/11/2026

40.01K→44.01K

Common Stock

Direct

M · Option Exercise

+2K

Price / share

$10.33

Trade value

$20.66K

% of position

4.5%

2/11/2026

44.01K→46.01K

Common Stock

Direct

M · Option Exercise

+2K

Price / share

$10.52

Trade value

$21.04K

% of position

4.3%

2/11/2026

46.01K→48.01K

Comnmon Stock

Direct

S · Sale

−10.93K

Price / share

$16.81

Trade value

$183.72K

% of position

22.8%

2/11/2026

48.01K→37.08K

Total

Net shares

+0.00

Net value

-$58.20K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
Common Stock Direct	2/11/2026	M · Option Exercise	+2.93K	$10.44	$30.58K	7.9%	37.08K	40.01K
Common Stock Direct	2/11/2026	M · Option Exercise	+4K	$13.31	$53.24K	10.0%	40.01K	44.01K
Common Stock Direct	2/11/2026	M · Option Exercise	+2K	$10.33	$20.66K	4.5%	44.01K	46.01K
Common Stock Direct	2/11/2026	M · Option Exercise	+2K	$10.52	$21.04K	4.3%	46.01K	48.01K
Comnmon Stock Direct	2/11/2026	S · Sale	−10.93K	$16.81	$183.72K	22.8%	48.01K	37.08K
Total			+0.00		-$58.20K

Derivative Transactions4

Premium Stock Options

Direct

M · Option Exercise

Converts to

Common Stock

2K shares

−2K

Strike price

10.33

Held after

0.00

Exercisable

—

2/11/2026

Premium Stock Options

Direct

M · Option Exercise

Converts to

Common Stock

2K shares

−2K

Strike price

10.52

Held after

0.00

Exercisable

—

2/11/2026

Stock Options

Direct

M · Option Exercise

Converts to

Common Stock

2.93K shares

−2.93K

Strike price

10.44

Held after

1.95K

Exercisable

—

2/11/2026

Non-Premium Stock Options

Direct

M · Option Exercise

Converts to

Common Stock

4K shares

−4K

Strike price

13.31

Held after

16K

Exercisable

—

2/11/2026

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
Premium Stock Options Direct	Common Stock2K shares	2/11/2026	M · Option Exercise	−2K	10.33	—	0.00
Premium Stock Options Direct	Common Stock2K shares	2/11/2026	M · Option Exercise	−2K	10.52	—	0.00
Stock Options Direct	Common Stock2.93K shares	2/11/2026	M · Option Exercise	−2.93K	10.44	—	1.95K
Non-Premium Stock Options Direct	Common Stock4K shares	2/11/2026	M · Option Exercise	−4K	13.31	—	16K

Non-Derivative Holdings (Post-Transaction)0

No non-derivative holdings reported

Derivative Holdings (Post-Transaction)9

Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

1.50K

Shares owned

1.50K

Exercise price

18.57

Expiration

—

Exercise window

—

Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

Shares owned

Exercise price

11.08

Expiration

—

Exercise window

—

Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

Shares owned

Exercise price

10.89

Expiration

—

Exercise window

—

Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

Shares owned

Exercise price

10.70

Expiration

—

Exercise window

—

Non-Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

7.50K

Shares owned

7.50K

Exercise price

16.88

Expiration

—

Exercise window

—

Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

1.50K

Shares owned

1.50K

Exercise price

18.91

Expiration

—

Exercise window

—

Premim Stock Options

Direct

Underlying security

Common Stock

Underlying shares

1.50K

Shares owned

1.50K

Exercise price

19.58

Expiration

—

Exercise window

—

Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

1.50K

Shares owned

1.50K

Exercise price

19.92

Expiration

—

Exercise window

—

Premium Stock Options

Direct

Underlying security

Common Stock

Underlying shares

1.50K

Shares owned

1.50K

Exercise price

19.24

Expiration

—

Exercise window

—

Total

Underlying

21K

Owned

21K

Security	Underlying	Exercise Price	Exercise Window	Expiration	Underlying Shares	Shares Owned
Premium Stock Options Direct	Common Stock	18.57	—	—	1.50K	1.50K
Premium Stock Options Direct	Common Stock	11.08	—	—	2K	2K
Premium Stock Options Direct	Common Stock	10.89	—	—	2K	2K
Premium Stock Options Direct	Common Stock	10.70	—	—	2K	2K
Non-Premium Stock Options Direct	Common Stock	16.88	—	—	7.50K	7.50K
Premium Stock Options Direct	Common Stock	18.91	—	—	1.50K	1.50K
Premim Stock Options Direct	Common Stock	19.58	—	—	1.50K	1.50K
Premium Stock Options Direct	Common Stock	19.92	—	—	1.50K	1.50K
Premium Stock Options Direct	Common Stock	19.24	—	—	1.50K	1.50K
Total					21K	21K