{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-008652","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.117078+00:00","generated_at":"2026-05-16T06:01:34.240885+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Pioneer Bancorp reports 2025 net income $20.3M ($0.83 EPS), up 33% YoY","bullets":["Net income for calendar year 2025 was $20.3M ($0.83 EPS), compared to $15.3M ($0.61 EPS) for fiscal year ended June 30, 2024.","Q4 2025 net income $3.7M ($0.16 basic EPS), up from $3.3M ($0.13) in Q4 2024.","Net interest income $79.1M for 2025, up 19% from $66.5M; net interest margin expanded 29 bps to 4.07%.","Loans grew 14.8% to $1.65B, deposits up 9.6% to $1.74B; non-performing assets rose to 0.52% of assets.","Completed acquisition of Brown Financial Management Group and launched broker-dealer Pioneer Capital Markets."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-008652","json":"https://secwatch.observer/filing/0001104659-26-008652.json","markdown":"https://secwatch.observer/filing/0001104659-26-008652.md","text":"https://secwatch.observer/filing/0001104659-26-008652.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000110465926008652/0001104659-26-008652-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000110465926008652/pbfs-20260130x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:01:34.240885+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"}