---
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"
generated_at: "2026-05-23T02:33:27.183669+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-006003
- JSON: https://secwatch.observer/filing/0001558370-25-006003.json
- Plain text: https://secwatch.observer/filing/0001558370-25-006003.txt

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