Ponce Bank primarily targets individuals and businesses located within its operational footprint, which appears to be concentrated in New York City and surrounding areas, particularly with a historical focus on the Hispanic community and other diverse urban populations. For individuals, the target audience includes residents seeking personal banking solutions, such as checking accounts, savings accounts, certificates of deposit (CDs), and various loan products like mortgages (including FHA, VA, and conventional), home equity loans, and personal loans. For businesses, the target audience comprises small to medium-sized enterprises (SMBs) across various sectors looking for commercial checking and savings, business loans (SBA loans, commercial real estate, construction loans), lines of credit, and cash management services. The bank's emphasis on accessibility and community roots suggests a target audience that values relationship-based banking and local understanding over purely digital or large-scale national institutions. Their services appear tailored to both the everyday banking needs of residents and the growth capital requirements of local businesses.