Pioneer Bancorp, Inc./MD

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

About this filing

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.

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Contents

Consolidated Statements of Operations

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited)

(in thousands, except share and per share amounts)


· · For the Three Months Ended · · For the Nine Months Ended
· · September 30, · · September 30,
· 2025 · 2024 · 2025 · 2024
Interest and dividend income: · · · ·
Loans	$23,860	$20,930	$67,362	$59,052
Securities	3,792	2,165	11,515	6,746
Interest-earning deposits with banks and other	635	1,284	2,264	5,254
Total interest and dividend income	28,287	24,379	81,141	71,052

Interest expense:
Deposits	7,022	6,270	20,284	17,900
Borrowings and other	1,062	212	1,963	726
Total interest expense	8,084	6,482	22,247	18,626
Net interest income	20,203	17,897	58,894	52,426
Provision for credit losses	785	(870)	3,135	(40)
Net interest income after provision for credit losses	19,418	18,767	55,759	52,466

Noninterest income:
Bank fees and service charges	1,549	1,466	4,522	4,399
Insurance and wealth management services	2,225	2,171	7,064	6,747
Net gain on equity securities	—	—	—	386
Net gain on securities available for sale transactions	—	165	—	165
Other	41	316	760	343
Total noninterest income	3,815	4,118	12,346	12,040

Noninterest expense:
Salaries and employee benefits	8,556	7,666	25,356	22,510
Net occupancy and equipment	1,856	1,833	5,644	5,562
Data processing	1,057	981	2,795	3,031
Advertising and marketing	239	224	788	600
Insurance premiums	248	248	744	696
Federal Deposit Insurance Corporation insurance premiums	230	263	681	821
Professional fees	1,927	1,953	5,707	7,593
Other	3,511	1,521	5,227	4,411
Total noninterest expense	17,624	14,689	46,942	45,224
Income before income taxes	5,609	8,196	21,163	19,282
Income tax expense	1,279	1,888	4,619	4,325
Net income	$4,330	$6,308	$16,544	$14,957

Net earnings per common share:
Basic	$0.18	$0.25	$0.67	$0.59
Diluted	$0.18	$0.25	$0.67	$0.59

Weighted average shares outstanding – basic	24,470,461	25,081,864	24,566,729	25,222,029
Weighted average shares outstanding – diluted	24,593,205	25,150,650	24,627,387	25,279,561

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.