---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-013952"
form_type: "8-K"
ticker: "PBFS"
cik: "0001769663"
company_name: "Pioneer Bancorp, Inc./MD"
filed_at: "2024-10-30T23:59:59+00:00"
generated_at: "2026-05-30T08:25:06.129475+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.78
calibrated_materiality_score: 0.78
confidence: "high"
source: SEC EDGAR
---

# Pioneer Bancorp posts record quarterly net income of $6.3M, EPS $0.25 vs $0.14 YoY

## Summary
- Net income $6.3M ($0.25 per share), up from $3.4M ($0.14) in Sep '23 quarter; record quarterly net income.
- Net loans $1.40B (+4.1% vs Jun '24); deposits $1.68B (+8.1%).
- Net interest margin 4.12%, up 36 bps YoY; credit provision was a $870K credit (improvement).
- Non-performing assets fell to $5.4M (0.27% of assets) from $9.2M (0.49%) in Jun '24.
- Closed Pioneer Commercial Bank merger Oct 1, 2024; repurchased 114,389 shares at avg $10.46 in Q.

## SEC filing metadata
- accession: 0001558370-24-013952
- form_type: 8-K
- ticker: PBFS
- cik: 0001769663
- company_name: Pioneer Bancorp, Inc./MD
- filed_at: 2024-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.78
- calibrated_materiality_score: 0.78
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1769663/000155837024013952/0001558370-24-013952-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1769663/000155837024013952/pbfs-20241030x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-013952
- JSON: https://secwatch.observer/filing/0001558370-24-013952.json
- Plain text: https://secwatch.observer/filing/0001558370-24-013952.txt

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