Pioneer Bancorp Q2 net income falls to $3.5M from $6.5M; completes multiple acquisitions

Pioneer Bancorp, Inc./MD

Net income $3.5M ($0.14 EPS) vs $6.5M ($0.26 EPS) for Q2 2025.
Net interest income $22.9M, up 16.5% YoY; net interest margin 4.30%, up 17 bps.
Completed acquisitions: Targeted Lending ($140M enterprise value), Reiser Consulting, Wyndham Benefits, College Advisor of NY.
Noninterest expense $22.2M, up 50.6% YoY due to acquisitions and litigation.
Net charge-offs $1.5M vs $70K; allowance for credit losses $28.1M.

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