{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-008305","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2023-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:40.473899+00:00","generated_at":"2026-06-15T17:15:44.191813+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pioneer Bancorp Q3 net income surges to $6.0M; net interest margin up 186bps to 4.14%","bullets":["Net income $6.0M (EPS $0.24) vs $302K (EPS $0.01) in prior-year Q3; nine-month net income $17.4M.","Net interest margin expanded 186bps to 4.14%; net interest income up 76.8% to $17.5M.","Loans grew 10.5% to $1.09B; deposits declined 6.9% to $1.56B.","Nonperforming assets fell to 0.54% of total assets from 0.82% a year ago.","Management expects net interest margin pressure in Q4 due to rising deposit rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-008305","json":"https://secwatch.observer/filing/0001558370-23-008305.json","markdown":"https://secwatch.observer/filing/0001558370-23-008305.md","text":"https://secwatch.observer/filing/0001558370-23-008305.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023008305/0001558370-23-008305-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023008305/pbfs-20230505x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T17:15:44.191813+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":"fc1c4d1c32a3e6ea50dd61af1925e4e0fdaa6efa","claim":"Pioneer Bancorp, Inc./MD reported three and nine months ended March 31, 2023 results: net income $6.0 million, or $0.24 per basic and diluted share, and $17.4 million, or $0.69 per basic and diluted share, respectivel.","evidence_excerpt":"Pioneer Bancorp, Inc. Reports Third Quarter Fiscal 2023 Net Income of $6.0 Million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023008305/0001558370-23-008305-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended March 31, 2023"},{"label":"Net income","value":"$6.0 million, or $0.24 per basic and diluted share, and $17.4 million, or $0.69 per basic and diluted share, respectivel"},{"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"}