10-Q quarterly report · filed Nov 7, 2025

Pioneer Bancorp, Inc./MD (PBFS) Q3 2025 10-Q Quarterly Report

Short answer

Pioneer Bancorp, Inc./MD (PBFS) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $4M with net income of $4M.

Q3 2025 key financials · XBRL

Revenue
$4M
−8.6% QoQ
Net income
$4M
−32.9% QoQ
EPS (diluted)
$0.18
−30.8% QoQ

Source: XBRL data from the Pioneer Bancorp, Inc./MD (PBFS) Q3 2025 10-Q on SEC EDGAR. USD.

Pioneer Bancorp, Inc./MD Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net interest margin 4.16% vs 4.12% YoY; net interest rate spread 3.35% vs 3.29%
  • Residential mortgages largest loan growth, up $74.1M to $763.7M; commercial construction up 24.8% to $163.5M
  • Cash and equivalents $228.6M, up $132.1M or 136.8% from December 31, 2024
  • Headwinds: inflation, interest rates, credit losses, competition, funding access, real-estate conditions, and deposit demand

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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