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Pioneer Bancorp (PBFS) investor relations material
Pioneer Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jul, 2025
Executive summary
Net income for Q2 2025 was $6.5 million ($0.26 per share), up $2.6 million year-over-year, driven by higher net interest income, increased non-interest income, and lower non-interest expense, partially offset by higher provision for credit losses and income tax expense.
Six-month net income was $12.2 million, up $3.6 million year-over-year.
Total assets reached $2.10 billion at June 30, 2025, up 5.9% from December 31, 2024, mainly due to growth in net loans receivable and cash equivalents, offset by a decline in securities available for sale.
The company remains well-capitalized, exceeding all regulatory capital requirements, and maintains a strong liquidity position with $122.1 million in cash and equivalents.
Noninterest income accounted for 15% of revenue in Q2 2025, reflecting diversification efforts.
Financial highlights
Net interest income for Q2 2025 was $19.6 million, up 14.0% year-over-year, with net interest margin increasing to 4.13%.
Provision for credit losses increased to $1.6 million from $750,000 year-over-year, reflecting loan portfolio growth and economic conditions.
Non-interest income rose 30.3% to $4.8 million, mainly from higher insurance, wealth management, and bank-owned life insurance income.
Non-interest expense decreased 2.5% to $14.7 million, driven by lower professional fees and other expenses, partially offset by higher compensation costs.
Efficiency ratio improved to 60.32% in Q2 2025 from 72.33% in Q2 2024.
Outlook and guidance
Management expects continued focus on relationship-based growth, disciplined lending, and expansion of product and service offerings.
Strategic focus remains on long-term value creation, client advocacy, and product diversification.
The company anticipates sufficient liquidity to meet funding commitments and remains committed to maintaining strong capital and liquidity positions.
No material changes to risk factors were reported since the last annual filing.
Management highlights continued positive momentum and prudent funding cost management.
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Next Pioneer Bancorp earnings date
Q1 202629 Oct, 2025
Next Pioneer Bancorp earnings date
Q1 202629 Oct, 2025
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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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