Pioneer Bancorp, Inc./MD
For the period ended Sep 30, 2025. Filed Nov 7, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 7, 2025
PBFS$18.54+1.0%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Condition
CONSOLIDATED STATEMENTS OF CONDITION (unaudited)
(in thousands, except share and per share amounts)
| | | | | | | |
|---|---|---|---|---|---|---|
| · September 30, · December 31, | ||||||
| · · 2025 · · 2024 | ||||||
| Assets · · | ||||||
| Cash and due from banks | | $58,066 | | $25,650 | ||
| Federal funds sold | | 3,452 | | 3,644 | ||
| Interest-earning deposits with banks | | 167,033 | | 67,227 | ||
| Cash and cash equivalents | | 228,551 | | 96,521 | ||
| Securities available for sale, at fair value | | 254,509 | | 321,537 | ||
| Securities held to maturity, net of allowance for credit losses of $411 at September 30, 2025 and $216 at December 31, 2024 (fair value of $38,569 at September 30, 2025 and $22,457 at December 31, 2024) | | 43,882 | | 25,400 | ||
| Federal Reserve Bank of New York and Federal Home Loan Bank of New York stock | | 3,934 | | 5,283 | ||
| Loans receivable | | | 1,638,532 | | | 1,456,329 |
| Allowance for credit losses | | | (24,600) | | | (21,754) |
| Net loans receivable | | 1,613,932 | | 1,434,575 | ||
| Accrued interest receivable | | 9,244 | | 7,937 | ||
| Premises and equipment, net | | 35,320 | | 35,480 | ||
| Bank-owned life insurance | | 15,306 | | 15,956 | ||
| Goodwill | | 10,879 | | 10,879 | ||
| Other intangible assets, net | | 2,352 | | 2,705 | ||
| Other assets | | 25,401 | | 23,457 | ||
| Total assets | | $2,243,310 | | $1,979,730 | ||
| | | | | | | |
| Liabilities and Shareholders’ Equity | | | ||||
| Liabilities | | | ||||
| Deposits: | | | ||||
| Non-interest bearing deposits | | $569,987 | | $454,296 | ||
| Interest bearing deposits | | 1,325,044 | | 1,131,887 | ||
| Total deposits | | 1,895,031 | | 1,586,183 | ||
| Mortgagors’ escrow deposits | | 4,068 | | 8,097 | ||
| Borrowings from Federal Home Loan Bank of New York | | | — | | | 40,000 |
| Other liabilities | | 30,013 | | 40,897 | ||
| Total liabilities | | 1,929,112 | | 1,675,177 | ||
| | | | | | | |
| Commitments and contingent liabilities – See Note 8 | | | | | | |
| | | | | | | |
| Shareholders’ Equity | | | ||||
| Preferred stock ($0.01 par value, 5,000,000 shares authorized, no shares issued or outstanding as of September 30, 2025 and December 31, 2024) | | | — | | | — |
| Common stock ($0.01 par value, 75,000,000 shares authorized 25,083,829 and 25,978,904 shares issued and outstanding as of September 30, 2025 and December 31, 2024, respectively) | | | 251 | | | 260 |
| Additional paid in capital | | | 115,046 | | | 114,113 |
| Retained earnings | | 199,719 | | 194,188 | ||
| Unallocated common stock of Employee Stock Ownership Plan (“ESOP”) | | (9,039) | | (9,551) | ||
| Accumulated other comprehensive income | | 8,221 | | 5,543 | ||
| Total shareholders’ equity | | 314,198 | | 304,553 | ||
| Total liabilities and shareholders’ equity | | $2,243,310 | | $1,979,730 | ||
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