{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-000858","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2024-02-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.463748+00:00","generated_at":"2026-06-06T07:09:22.051248+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 48% to $3.2M; net interest margin narrows, loan growth 10.5%","bullets":["Net income $3.2M ($0.13 EPS) vs $6.2M ($0.25) a year ago; six-month net income $6.6M vs $11.4M.","Net interest margin 3.70% (down 15 bps YoY); net interest income $16.1M (down 6.1%).","Loans grew 10.5% to $1.26B; non-performing assets improved to 0.65% of assets.","Recorded $6.0M litigation settlement income and $5.6M loss on securities sale from balance sheet repositioning.","Provision for credit losses increased to $1.1M (vs credit of $400k); expenses up 17%."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-000858","json":"https://secwatch.observer/filing/0001558370-24-000858.json","markdown":"https://secwatch.observer/filing/0001558370-24-000858.md","text":"https://secwatch.observer/filing/0001558370-24-000858.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024000858/0001558370-24-000858-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024000858/pbfs-20240207x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T07:09:22.051248+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":"ccdfded4823bafc31920f862092a4b1fc80bb5a9","claim":"Pioneer Bancorp, Inc./MD reported three and six months ended December 31, 2023 (second quarter of fiscal year ended June 30, 2024) results: net income $3.2 million, EPS $0.13 per share.","evidence_excerpt":"Pioneer Bancorp, Inc. Reports Second Quarter Fiscal 2024 Results Net Income of $3.2 Million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024000858/0001558370-24-000858-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and six months ended December 31, 2023 (second quarter of fiscal year ended June 30, 2024)"},{"label":"Net income","value":"$3.2 million"},{"label":"EPS","value":"$0.13 per 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"}