{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-006003","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.641707+00:00","generated_at":"2026-05-23T02:33:27.183669+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Pioneer Bancorp Q1 net income $5.8M ($0.23/sh), up 23% YoY; NIM expands to 4.12%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-006003","json":"https://secwatch.observer/filing/0001558370-25-006003.json","markdown":"https://secwatch.observer/filing/0001558370-25-006003.md","text":"https://secwatch.observer/filing/0001558370-25-006003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000155837025006003/0001558370-25-006003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000155837025006003/pbfs-20250430x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:33:27.183669+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}