{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-000693","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2023-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.473184+00:00","generated_at":"2026-06-20T06:42:28.238866+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Pioneer Bancorp posts Q2 net income of $6.2M ($0.25/shr), net interest margin expands 144 bps to 3.85%","bullets":["Net income $6.2M ($0.25/shr) flat YoY; six-month net income $11.4M ($0.45/shr) up from $7.6M.","Net interest margin expanded 144 bps to 3.85%; net interest income up 63.3% to $17.1M.","Net loans receivable increased $65.5M (6.7%) to $1.05B from June 30, 2022.","Deposits decreased $141.9M (8.4%) to $1.54B, primarily in money market and demand accounts.","Recorded benefit to provision for loan losses of $400K due to improved credit quality and lower net charge-offs."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-000693","json":"https://secwatch.observer/filing/0001558370-23-000693.json","markdown":"https://secwatch.observer/filing/0001558370-23-000693.md","text":"https://secwatch.observer/filing/0001558370-23-000693.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023000693/0001558370-23-000693-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023000693/pbfs-20230130x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T06:42:28.238866+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":[{"claim_id":"0ec2bd37b34b6717c555856822ea8ef995e58535","claim":"Pioneer Bancorp, Inc./MD reported the six months ended December 31, 2022 results: net income $11.4 million, EPS $0.45 per basic and diluted share.","evidence_excerpt":"Net income for the three and six months ended December 31, 2022 was $6.2 million, or $0.25 per basic and diluted share, and $11.4 million, or $0.45 per basic and diluted share, respectively","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023000693/0001558370-23-000693-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended December 31, 2022"},{"label":"Net income","value":"$11.4 million"},{"label":"EPS","value":"$0.45 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"3a111bba8c9b90b1393835933495f243cc6546d4","claim":"Pioneer Bancorp, Inc./MD reported the three months ended December 31, 2022 results: net income $6.2 million, EPS $0.25 per basic and diluted share.","evidence_excerpt":"Net income for the three and six months ended December 31, 2022 was $6.2 million, or $0.25 per basic and diluted share, and $11.4 million, or $0.45 per basic and diluted share, respectively","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023000693/0001558370-23-000693-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$6.2 million"},{"label":"EPS","value":"$0.25 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}