Pioneer Bancorp Q1 net income $5.8M ($0.23/sh), up 23% YoY; NIM expands to 4.12%

Pioneer Bancorp, Inc./MD

2025-Q1 EPS reported $0.23 revenue$3,651,000

Net income $5.8M ($0.23/sh) vs $4.7M ($0.19/sh) prior year; net interest income +10.1% to $19.1M.
Net interest margin 4.12%, up 16 bps; loans +3.7% to $1.49B, deposits +8.5% to $1.72B.
Non-performing assets rose to $10.7M (0.52% of assets) from $5.2M, driven by $4.7M CRE loan placed on non-accrual.
Provision for credit losses increased to $800K from $80K; net charge-offs minimal at 0.00% annualized.
Repurchased 130,813 shares at avg $11.87 in Q1; 774,295 shares remain under buyback program.

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