{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-104486","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.371402+00:00","generated_at":"2026-05-17T01:23:38.880623+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Pioneer Bancorp Q3 net income drops 32% to $4.3M; NPAs rise to $12M from $5.2M","bullets":["Net income $4.3M ($0.18 EPS) for Q3 2025, down from $6.3M ($0.25) in Q3 2024.","Net loans receivable $1.61B (+12.5% YTD); deposits $1.90B (+19.5% YTD).","Net interest margin 4.16% (up 4 bps); net interest income $20.2M (+12.9%).","Non-performing assets $12.0M (0.53% of assets) vs $5.2M; provision for credit losses $785K vs credit of $870K.","Completed acquisition of Brown Financial Management Group ($73M AUM) on Oct 28, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-104486","json":"https://secwatch.observer/filing/0001104659-25-104486.json","markdown":"https://secwatch.observer/filing/0001104659-25-104486.md","text":"https://secwatch.observer/filing/0001104659-25-104486.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000110465925104486/0001104659-25-104486-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000110465925104486/pbfs-20251030x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:23:38.880623+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}