---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-017035"
form_type: "8-K"
ticker: "PBFS"
cik: "0001769663"
company_name: "Pioneer Bancorp, Inc./MD"
filed_at: "2022-11-09T23:59:59+00:00"
generated_at: "2026-06-22T01:43:11.577866+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Pioneer Bancorp Q1 fiscal 2023 net income $5.2M ($0.21 EPS); total assets top $2B

## Summary
- Net income of $5.2M ($0.21 per share) vs $1.4M ($0.05) in year-ago quarter.
- Net interest margin expanded 81 bps to 3.23%; net interest income up 43.4% to $14.7M.
- Total assets exceeded $2B for first time; net loans grew 3.8% to $1.02B.
- Provision for loan losses decreased to $120K from $250K; nonperforming assets down to 0.58% of assets.

## SEC filing metadata
- accession: 0001558370-22-017035
- form_type: 8-K
- ticker: PBFS
- cik: 0001769663
- company_name: Pioneer Bancorp, Inc./MD
- filed_at: 2022-11-09T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1769663/000155837022017035/0001558370-22-017035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1769663/000155837022017035/pbfs-20221109x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-017035
- JSON: https://secwatch.observer/filing/0001558370-22-017035.json
- Plain text: https://secwatch.observer/filing/0001558370-22-017035.txt

## Key facts
- Earnings Releases
  Pioneer Bancorp, Inc./MD reported the quarter ended September 30, 2022 results: net income $5.2 million, EPS $0.21 per basic and diluted share.
  - Period: the quarter ended September 30, 2022
  - Net income: $5.2 million
  - EPS: $0.21 per basic and diluted share
  - Result: reported results
  source text: Net income for the three months ended September 30, 2022 was $5.2 million, or $0.21 per basic and diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1769663/000155837022017035/0001558370-22-017035-index.htm

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