Pioneer Bancorp, Inc./MD
For the period ended Dec 31, 2025. Filed Mar 12, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 12, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
| ITEM 1. | Business | 3 |
|---|---|---|
| ITEM 1A. | Risk Factors | 33 |
| ITEM 1B. | Unresolved Staff Comments | 53 |
| ITEM 1C. | Cybersecurity | 53 |
| ITEM 2. | Properties | 55 |
| ITEM 3. | Legal Proceedings | 55 |
| ITEM 4 | Mine Safety Disclosures | 56 |
| ITEM 5 | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 56 |
| ITEM 6. | [Reserved] | 57 |
| ITEM 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 58 |
| ITEM 7A. | Quantitative and Qualitative Disclosures About Market Risk | 75 |
| ITEM 8. | Financial Statements and Supplementary Data | 75 |
| ITEM 9. | Changes In and Disagreements With Accountants on Accounting and Financial Disclosure | 138 |
| ITEM 9A. | Controls and Procedures | 138 |
| ITEM 9B. | Other Information | 140 |
| ITEM 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 140 |
| ITEM 10. | Directors, Executive Officers and Corporate Governance | 140 |
| ITEM 11. | Executive Compensation | 140 |
| ITEM 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 140 |
| ITEM 13. | Certain Relationships and Related Transactions, and Director Independence | 141 |
| ITEM 14. | Principal Accountant Fees and Services | 141 |
| ITEM 15. | Exhibits and Financial Statement Schedules | 142 |
As used in this Annual Report on Form 10-K, “Pioneer” or the “Company” refers to Pioneer Bancorp, Inc., Pioneer Bank, National Association and its consolidated subsidiaries, and Pioneer Capital Markets, Inc. collectively, except where the context indicates the reference relates solely to the registrant Pioneer Bancorp, Inc.
PART I
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.