Pioneer Bancorp, Inc./MD

For the period ended Jun 30, 2026. Filed Aug 10, 2026.

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.

Jun 30, 2026 · Filed Aug 10, 2026

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 Six Months Ended ·
· June 30, · · June 30, ·
· 2026 · · 2025 · · 2026 · · 2025 ·
Interest and dividend income: · · · · · · · ·
Loans	$27,820	$22,332	$52,231	$43,502
Securities	2,976	3,942	5,984	7,723
Interest-earning deposits with banks and other	1,076	732	2,028	1,629
Total interest and dividend income	31,872	27,006	60,243	52,854

Interest expense:
Deposits	8,604	6,844	15,956	13,262
Borrowings and other	415	554	688	901
Total interest expense	9,019	7,398	16,644	14,163
Net interest income	22,853	19,608	43,599	38,691
Provision for credit losses	1,350	1,550	2,130	2,350
Net interest income after provision for credit losses	21,503	18,058	41,469	36,341

Noninterest income:
Bank fees and service charges	1,841	1,609	3,306	2,973
Insurance and wealth management services	2,803	2,513	5,274	4,839
Net gain on sale of loans	187	—	187	—
Other	633	684	557	719
Total noninterest income	5,464	4,806	9,324	8,531

Noninterest expense:
Salaries and employee benefits	9,957	8,506	18,701	16,800
Net occupancy and equipment	2,071	1,840	4,114	3,788
Data processing	1,226	894	2,256	1,738
Advertising and marketing	372	306	576	549
Insurance premiums	302	245	542	496
Federal Deposit Insurance Corporation insurance premiums	254	226	492	451
Professional fees	4,025	1,845	8,676	3,780
Other	3,975	865	4,945	1,716
Total noninterest expense	22,182	14,727	40,302	29,318
Income before income taxes	4,785	8,137	10,491	15,554
Income tax expense	1,301	1,686	1,717	3,340
Net income	$3,484	$6,451	$8,774	$12,214

Net earnings per common share:
Basic	$0.14	$0.26	$0.36	$0.49
Diluted	$0.14	$0.26	$0.36	$0.49

Weighted average shares outstanding – basic	24,031,945	24,510,936	24,052,355	24,724,696
Weighted average shares outstanding – diluted	24,331,049	24,567,328	24,325,721	24,777,301

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.