Pioneer Bancorp, Inc./MD

For the period ended Sep 30, 2026. Filed Nov 6, 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.

Sep 30, 2026 · Filed Nov 6, 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 Nine Months Ended
· September 30, · · September 30,
· 2026 · · 2025 · · 2026 · · 2025
Interest and dividend income: · · · · · · · ·
Loans	$30,009	$23,860	$82,240	$67,362
Securities	3,017	3,792	9,001	11,515
Interest-earning deposits with banks and other	660	635	2,688	2,264
Total interest and dividend income	33,686	28,287	93,929	81,141

Interest expense:
Deposits	9,383	7,022	25,339	20,284
Borrowings and other	689	1,062	1,377	1,963
Total interest expense	10,072	8,084	26,716	22,247
Net interest income	23,614	20,203	67,213	58,894
Provision for credit losses	1,320	785	3,450	3,135
Net interest income after provision for credit losses	22,294	19,418	63,763	55,759

Noninterest income:
Bank fees and service charges	2,222	1,549	5,528	4,522
Insurance and wealth management services	3,037	2,225	8,311	7,064
Net gain on sale of loans	509	—	696	—
Other	(260)	41	297	760
Total noninterest income	5,508	3,815	14,832	12,346

Noninterest expense:
Salaries and employee benefits	10,304	8,556	29,005	25,356
Net occupancy and equipment	2,065	1,856	6,179	5,644
Data processing	1,117	1,057	3,373	2,795
Advertising and marketing	339	239	915	788
Insurance premiums	307	248	849	744
Federal Deposit Insurance Corporation insurance premiums	561	230	1,053	681
Professional fees	5,858	1,927	14,534	5,707
Litigation-related expense	6,200	2,550	9,450	2,550
Other	984	961	2,679	2,677
Total noninterest expense	27,735	17,624	68,037	46,942
Income before income taxes	67	5,609	10,558	21,163
Income tax (benefit) expense	(18)	1,279	1,699	4,619
Net income	$85	$4,330	$8,859	$16,544

Net earnings per common share:
Basic	$—	$0.18	$0.37	$0.67
Diluted	$—	$0.18	$0.36	$0.67

Weighted average shares outstanding – basic	23,963,551	24,470,461	24,032,266	24,566,729
Weighted average shares outstanding – diluted	24,338,304	24,593,205	24,346,430	24,627,387

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.