---
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"
generated_at: "2026-05-17T01:23:38.880623+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Pioneer Bancorp Q3 net income drops 32% to $4.3M; NPAs rise to $12M from $5.2M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-104486
- JSON: https://secwatch.observer/filing/0001104659-25-104486.json
- Plain text: https://secwatch.observer/filing/0001104659-25-104486.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.