{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-088689","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2026-07-30T20:15:27+00:00","discovered_at":"2026-07-30T20:17:00.215091+00:00","generated_at":"2026-07-30T20:17:32.455388+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pioneer Bancorp Q2 net income falls to $3.5M from $6.5M; completes multiple acquisitions","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-088689","json":"https://secwatch.observer/filing/0001104659-26-088689.json","markdown":"https://secwatch.observer/filing/0001104659-26-088689.md","text":"https://secwatch.observer/filing/0001104659-26-088689.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000110465926088689/0001104659-26-088689-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000110465926088689/pbfs-20260730x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T20:17:32.455388+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"}