---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009799"
form_type: "8-K"
ticker: "PBFS"
cik: "0001769663"
company_name: "Pioneer Bancorp, Inc./MD"
filed_at: "2025-07-30T23:59:59+00:00"
generated_at: "2026-05-17T23:09:40.195693+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Pioneer Bancorp Q2 net income rises to $6.5M ($0.26 EPS) from $3.9M year ago

## Summary
- Net income $6.5M, up 67% YoY; diluted EPS $0.26 vs $0.16.
- Net interest income $19.6M (+14% YoY); NIM 4.13%, up 20 bps.
- Loans grew 7.5% to $1.54B; deposits up 9.8% to $1.74B.
- Non-performing assets rose to $11.5M (0.55% of assets) from $5.2M at Dec 2024; provision $1.6M.
- Repurchased 282,836 shares at avg $11.59 in Q2; 491K shares remain under program.

## SEC filing metadata
- accession: 0001558370-25-009799
- form_type: 8-K
- ticker: PBFS
- cik: 0001769663
- company_name: Pioneer Bancorp, Inc./MD
- filed_at: 2025-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1769663/000155837025009799/0001558370-25-009799-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1769663/000155837025009799/pbfs-20250730x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009799
- JSON: https://secwatch.observer/filing/0001558370-25-009799.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009799.txt

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