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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Pioneer Bancorp
Pioneer Bancorp (PBFS) investor relations material
Pioneer Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary30 Jan, 2026
Executive summary
Net income for 2025 was $20.3 million, up from $15.3 million for the prior fiscal year, with Q4 net income of $3.7 million, up from $3.3 million year-over-year.
Earnings per share for 2025 were $0.83 basic and diluted, compared to $0.61 for the prior fiscal year.
Strong loan and deposit growth, with net loans receivable up 14.8% and deposits up 9.6% year-over-year.
Launched broker-dealer subsidiary and completed acquisition of Brown Financial Management Group.
Financial highlights
Net interest income for 2025 was $79.1 million, up 19.0% year-over-year; Q4 net interest income was $20.3 million, up 15.3%.
Interest income for 2025 was $109.5 million, up 24.0% year-over-year; interest expense rose 39.3% to $30.4 million.
Noninterest income for 2025 was $17.1 million, up 5.0% year-over-year; noninterest expense was $66.1 million, up 8.8%.
Income tax expense for 2025 was $6.2 million, up 49.5% year-over-year, with an effective tax rate of 23.4%.
Outlook and guidance
Focus remains on long-term value creation, employee engagement, client experience, and community development.
Ongoing strategy to diversify products and services and increase noninterest income.
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Next Pioneer Bancorp earnings date
Q3 202629 Apr, 2026
Pioneer Bancorp
Next Pioneer Bancorp earnings date
Q3 202629 Apr, 2026
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Frequently asked questions
Pioneer Bancorp Inc. is the holding company for Pioneer Bank, a community bank offering a range of financial services. The bank provides personal and business banking products, including savings and checking accounts, mortgages, commercial loans, and other financial services. Pioneer Bank serves individuals, businesses, and municipalities, focusing on meeting the financial needs of its community. The company operates through a network of branch locations and digital platforms, aiming to deliver convenient and personalized banking solutions. The company is headquartered in Albany, New York, and its shares are listed on the NASDAQ.
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