Pioneer Bancorp, Inc.
Pioneer Bancorp, Inc. (Nasdaq Capital Market: PBFS) operates as a financial services holding company headquartered in the Capital Region of New York, serving customers through its principal subsidiary Pioneer Bank, National Association. The company's website is www.pioneerny.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Pioneer Bancorp, Inc. does
In the company’s own words
Pioneer Bancorp, Inc. (Nasdaq Capital Market: PBFS) operates as a financial services holding company headquartered in the Capital Region of New York, serving customers through its principal subsidiary Pioneer Bank, National Association. The company's website is www.pioneerny.com.
Pioneer Bank, a national bank chartered in 1889 and converted to national bank status in 2024, maintains 21 retail banking offices across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York, along with a wealth management office in Columbia County. As of December 31, 2025, the company reported consolidated total assets of $2.15 billion, total deposits of $1.74 billion, and shareholders' equity of $323.9 million.
The bank's core business centers on originating and purchasing loans, attracting deposits, and providing comprehensive financial services to individuals and small-to-medium-sized businesses in its primary market area. The loan portfolio totaled $1.67 billion at year-end 2025, composed primarily of residential mortgages representing 47.5 percent of total loans, commercial real estate loans at 27.9 percent, commercial construction loans at 10.2 percent, home equity loans and lines of credit at 5.8 percent, commercial and industrial loans at 7.5 percent, and consumer loans at 1.1 percent. The company sources deposits from the general public and municipalities, supplemented by advances from the Federal Home Loan Bank of New York.
Beyond traditional banking, Pioneer operates several subsidiaries providing specialized services. Pioneer Insurance Agency, Inc. sells commercial and consumer insurance products and employee benefit services. Pioneer Financial Services, Inc. provides wealth management services, while Pioneer Consulting Solutions, Inc. offers human resources consulting services. Since January 2016, the company has maintained a strategic partnership with an unaffiliated mortgage banking company to originate residential mortgage loans, which the bank then purchases for its portfolio.
The Capital Region economy is characterized by diversified industries including educational services, technology, healthcare, and state government employment. Major regional employers include GE Vernova, Regeneron Pharmaceuticals, GlobalFoundries, Albany Med Health System, and Rensselaer Polytechnic Institute. Pioneer competes with larger regional and national banks, credit unions, and non-traditional financial service providers in its market area.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- ALBANY, NY
- Fiscal year end
- December
- CIK
- 1769663
- SIC
- 6036
Financial performance, year by year
Fiscal 2019–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Pioneer Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Pioneer Bancorp, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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