PART I - FINANCIAL INFORMATION [Item 1 – Consolidated Financial Statements (Unaudited)](index=3&type=section&id=Item%201%20%E2%80%93%20Consolidated%20Financial%20Statements%20%28Unaudited%29) Pioneer Bancorp's unaudited consolidated financial statements for December 31, 2021, reflect **$1.84 billion** in total assets, increased net income, and a strong financial position [Consolidated Statements of Condition](index=3&type=section&id=Consolidated%20Statements%20of%20Condition) This section presents the company's consolidated balance sheet, detailing assets, liabilities, and shareholders' equity at period-end Consolidated Balance Sheet Highlights (in thousands) | Account | December 31, 2021 | June 30, 2021 | | :--- | :--- | :--- | | **Total Assets** | **$1,843,188** | **$1,796,252** | | Cash and cash equivalents | $349,142 | $324,963 | | Securities available for sale | $365,638 | $264,602 | | Net loans receivable | $993,675 | $1,081,799 | | **Total Liabilities** | **$1,599,178** | **$1,558,430** | | Total deposits | $1,578,915 | $1,530,896 | | **Total Shareholders' Equity** | **$244,010** | **$237,822** | - Total assets increased by **$46.9 million**, or **2.6%**, primarily due to a **$101.0 million** increase in securities available for sale, partially offset by an **$88.1 million** decrease in net loans[6](index=6&type=chunk)[206](index=206&type=chunk) [Consolidated Statements of Operations](index=4&type=section&id=Consolidated%20Statements%20of%20Operations) This section outlines the company's consolidated income statement, detailing net interest income, noninterest items, and net income Quarterly and Six-Month Operating Results (in thousands, except per share data) | Metric | Three Months Ended Dec 31, 2021 | Three Months Ended Dec 31, 2020 | Six Months Ended Dec 31, 2021 | Six Months Ended Dec 31, 2020 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $10,491 | $10,679 | $20,727 | $21,030 | | Provision for Loan Losses | $0 | $1,550 | $250 | $2,300 | | Noninterest Income | $3,949 | $4,723 | $7,148 | $8,250 | | Noninterest Expense | $6,379 | $11,403 | $17,793 | $22,834 | | **Net Income** | **$6,257** | **$1,895** | **$7,614** | **$3,289** | | **Diluted EPS** | **$0.25** | **$0.08** | **$0.30** | **$0.13** | - A significant driver for the increase in net income was the recognition of a **$5.0 million** Employee Retention Credit, recorded as a reduction in noninterest expense[7](index=7&type=chunk)[38](index=38&type=chunk) [Consolidated Statements of Comprehensive Income](index=5&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) This section presents the company's comprehensive income, including net income and other comprehensive loss components Comprehensive Income (in thousands) | Metric | Three Months Ended Dec 31, 2021 | Three Months Ended Dec 31, 2020 | Six Months Ended Dec 31, 2021 | Six Months Ended Dec 31, 2020 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $6,257 | $1,895 | $7,614 | $3,289 | | Total other comprehensive loss | $(1,551) | $(14) | $(1,738) | $(86) | | **Comprehensive Income** | **$4,706** | **$1,881** | **$5,876** | **$3,203** | - Other comprehensive loss for the three and six months ended December 31, 2021, was primarily driven by unrealized holding losses on securities[8](index=8&type=chunk) [Consolidated Statements of Changes in Shareholders' Equity](index=6&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Shareholders%27%20Equity) This section details changes in shareholders' equity, reflecting net income, comprehensive loss, and other adjustments - Total shareholders' equity increased from **$237.8 million** at July 1, 2021, to **$244.0 million** at December 31, 2021, driven by **$7.6 million** in net income, partially offset by **$1.7 million** in other comprehensive loss[10](index=10&type=chunk)[213](index=213&type=chunk) [Consolidated Statements of Cash Flows](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) This section presents the company's cash flows from operating, investing, and financing activities Cash Flow Summary for the Six Months Ended Dec 31 (in thousands) | Cash Flow Category | 2021 | 2020 | | :--- | :--- | :--- | | Net cash provided by operating activities | $5,792 | $5,764 | | Net cash used in investing activities | $(28,566) | $(18,038) | | Net cash provided by financing activities | $46,953 | $51,376 | | **Net increase in cash and cash equivalents** | **$24,179** | **$39,102** | - Investing activities primarily consisted of **$148.3 million** in purchases of securities available for sale, largely funded by a **$48.0 million** net increase in deposits and an **$87.2 million** net decrease in loans receivable[11](index=11&type=chunk) [Notes to Unaudited Consolidated Financial Statements](index=8&type=section&id=Notes%20to%20Unaudited%20Consolidated%20Financial%20Statements) This section provides detailed disclosures and explanations supporting the unaudited consolidated financial statements - The Company recorded a **$5.0 million** Employee Retention Credit (ERC) benefit for the first three quarters of calendar 2021, significantly reducing noninterest expenses[35](index=35&type=chunk)[38](index=38&type=chunk) - In December 2021, the Company acquired two wealth management practices for **$1.5 million** in cash and **$728,000** in contingent consideration, recording **$1.3 million** in goodwill[39](index=39&type=chunk) - The Company is involved in legal proceedings and regulatory inquiries related to fraudulent activity by a former customer, with an estimated possible loss range from **$0 to $52.5 million** in excess of accrued liability[96](index=96&type=chunk)[99](index=99&type=chunk) - The NYSDFS is investigating the Bank's practices related to the Mann Parties, potentially resulting in monetary penalties up to **$30.0 million**[120](index=120&type=chunk)[121](index=121&type=chunk)[122](index=122&type=chunk) [Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations](index=58&type=section&id=Item%202%20-%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management's discussion highlights a significant increase in net income, driven by an Employee Retention Credit and lower loan loss provisions, alongside balance sheet expansion and improved asset quality [Comparison of Financial Condition (at Dec 31, 2021 vs. Jun 30, 2021)](index=49&type=section&id=Comparison%20of%20Financial%20Condition%20%28at%20Dec%2031%2C%202021%20vs.%20Jun%2030%2C%202021%29) This section compares the company's financial condition at December 31, 2021, against June 30, 2021, highlighting key balance sheet changes - Total assets increased by **$46.9 million (2.6%)** to **$1.84 billion**, driven by a **$101.0 million (38.2%)** increase in securities available for sale[206](index=206&type=chunk)[208](index=208&type=chunk) - Net loans decreased by **$88.1 million (8.1%)** to **$993.7 million**, largely due to the forgiveness of **$37.4 million** in Paycheck Protection Program (PPP) loans[206](index=206&type=chunk)[211](index=211&type=chunk) - Total deposits grew by **$48.0 million (3.1%)** to **$1.58 billion**, led by a **$49.3 million** increase in non-interest bearing demand accounts[212](index=212&type=chunk) [Comparison of Operating Results](index=50&type=section&id=Comparison%20of%20Operating%20Results) This section analyzes the company's operating performance, comparing net income, net interest income, and expenses across periods Quarterly Performance Comparison (Q2'22 vs Q2'21) | Metric | Three Months Ended Dec 31, 2021 | Three Months Ended Dec 31, 2020 | Change (%) | | :--- | :--- | :--- | :--- | | Net Income | $6.3 million | $1.9 million | +230.1% | | Net Interest Income | $10.5 million | $10.7 million | -1.8% | | Non-Interest Expense | $6.4 million | $11.4 million | -44.1% | | Provision for Loan Losses | $0 | $1.6 million | -100.0% | - The **230.1%** increase in quarterly net income was primarily due to a **$5.0 million** decrease in non-interest expense from the Employee Retention Credit and a **$1.6 million** decrease in the provision for loan losses[214](index=214&type=chunk)[226](index=226&type=chunk) - Net interest margin for the quarter decreased by **60 basis points** to **2.41%** from **3.01%** in the prior-year quarter, reflecting a lower yield on interest-earning assets[222](index=222&type=chunk) [Asset Quality and Allowance for Loan Losses](index=54&type=section&id=Asset%20Quality%20and%20Allowance%20for%20Loan%20Losses) This section discusses the company's asset quality, including non-performing assets and the allowance for loan losses Asset Quality Indicators | Metric | December 31, 2021 | June 30, 2021 | | :--- | :--- | :--- | | Total non-performing assets | $15.1 million | $22.3 million | | Non-performing assets to total assets | 0.82% | 1.24% | | Allowance for loan losses to total loans | 2.23% | 2.11% (recalculated from source) | - Non-accrual loans decreased significantly by **$6.2 million** to **$12.6 million** at December 31, 2021, from **$18.8 million** at June 30, 2021[248](index=248&type=chunk) - As of December 31, 2021, the company had only **four consumer loans** totaling **$1.1 million** remaining under COVID-19 related payment deferral programs[56](index=56&type=chunk)[262](index=262&type=chunk) [Liquidity and Capital Resources](index=58&type=section&id=Liquidity%20and%20Capital%20Resources) This section evaluates the company's liquidity position and capital adequacy, including regulatory capital ratios - The company maintains a strong liquidity position with primary sources from deposits, loan and security payments, and access to Federal Home Loan Bank of New York borrowings, with unused capacity of **$306.8 million** at December 31, 2021[167](index=167&type=chunk)[264](index=264&type=chunk) Pioneer Bank Regulatory Capital Ratios (as of Dec 31, 2021) | Ratio | Actual | Well-Capitalized Minimum | | :--- | :--- | :--- | | Tier 1 (leverage) capital | 9.80% | 5.00% | | Common Equity Tier 1 capital | 17.76% | 6.50% | | Tier 1 risk-based capital | 17.76% | 8.00% | | Total risk-based capital | 19.02% | 10.00% | - At December 31, 2021, the Bank exceeded all applicable regulatory capital requirements and was considered 'well capitalized' under regulatory guidelines[269](index=269&type=chunk) [Item 3 – Quantitative and Qualitative Disclosures About Market Risk](index=61&type=section&id=Item%203%20%E2%80%93%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) As a smaller reporting company, Pioneer Bancorp, Inc. is exempt from providing market risk disclosures - The company is a smaller reporting company and is not required to provide quantitative and qualitative disclosures about market risk[279](index=279&type=chunk) [Item 4 – Controls and Procedures](index=61&type=section&id=Item%204%20%E2%80%93%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective, with no material changes to internal control over financial reporting during the quarter - The CEO and CFO concluded that the company's disclosure controls and procedures were effective as of the end of the reporting period[281](index=281&type=chunk) - No material changes in internal control over financial reporting occurred during the second fiscal quarter[284](index=284&type=chunk) PART II – OTHER INFORMATION [Item 1 – Legal Proceedings](index=62&type=section&id=Item%201%20%E2%80%93%20Legal%20Proceedings) This section refers to detailed legal proceedings disclosures found in Note 10 of the Consolidated Financial Statements - Information regarding legal proceedings is discussed in Note 10 – Commitments and Contingent Liabilities within Item 1 of the financial statements[285](index=285&type=chunk) [Item 1A – Risk Factors](index=62&type=section&id=Item%201A%20%E2%80%93%20Risk%20Factors) No material changes to risk factors have occurred since the Annual Report on Form 10-K for June 30, 2021 - No material changes have been made to the risk factors disclosed in the Company's Annual Report on Form 10-K for the year ended June 30, 2021[286](index=286&type=chunk) [Item 2 – Unregistered Sales of Equity Securities and Use of Proceeds](index=62&type=section&id=Item%202%20%E2%80%93%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company reported no unregistered sales of equity securities during the reporting period - No unregistered sales of equity securities or use of proceeds were reported[287](index=287&type=chunk) [Item 5 – Other Information](index=62&type=section&id=Item%205%20%E2%80%93%20Other%20Information) No other information required for disclosure under this item was reported by the company - No other information required for disclosure under this item was reported[287](index=287&type=chunk) [Item 6 – Exhibits](index=63&type=section&id=Item%206%20%E2%80%93%20Exhibits) This section lists exhibits filed with Form 10-Q, including CEO/CFO certifications and Inline XBRL financial data - Exhibits filed include CEO and CFO certifications under Rule 13a-14(a) and Section 1350, and financial statements in Inline XBRL format[288](index=288&type=chunk)

[PART I - FINANCIAL INFORMATION](index=3&type=section&id=PART%20I%20-%20FINANCIAL%20INFORMATION) This section provides unaudited consolidated financial statements, management's discussion, and disclosures on market risk and controls [Consolidated Financial Statements (Unaudited)](index=3&type=section&id=Item%201%20%E2%80%93%20Consolidated%20Financial%20Statements-unaudited) This section presents Pioneer Bancorp, Inc.'s unaudited consolidated financial statements and accompanying notes for the period ended September 30, 2021 Consolidated Statements of Condition Consolidated Balance Sheet Highlights | Account | September 30, 2021 (in thousands) | June 30, 2021 (in thousands) | | :--- | :--- | :--- | | **Assets** | | | | Cash and cash equivalents | $478,579 | $324,963 | | Net loans receivable | $1,049,332 | $1,081,799 | | Securities available for sale | $310,699 | $264,602 | | **Total assets** | **$1,967,659** | **$1,796,252** | | **Liabilities & Equity** | | | | Total deposits | $1,704,367 | $1,530,896 | | Total liabilities | $1,728,513 | $1,558,430 | | Total shareholders' equity | $239,146 | $237,822 | | **Total liabilities and shareholders' equity** | **$1,967,659** | **$1,796,252** | Consolidated Statements of Operations Quarterly Operating Results | Metric | Three Months Ended Sep 30, 2021 (in thousands, except per share data) | Three Months Ended Sep 30, 2020 (in thousands, except per share data) | | :--- | :--- | :--- | | Net interest income | $10,235 | $10,350 | | Provision for loan losses | $250 | $750 | | Noninterest income | $3,200 | $3,528 | | Noninterest expense | $11,414 | $11,431 | | **Net income** | **$1,357** | **$1,394** | | **Basic EPS** | **$0.05** | **$0.06** | | **Diluted EPS** | **$0.05** | **$0.06** | Consolidated Statements of Comprehensive Income - Comprehensive income was **$1,170 thousand** for the three months ended September 30, 2021, compared to **$1,320 thousand** for the same period in 2020. The decrease was driven by a higher other comprehensive loss, primarily from unrealized losses on securities[8](index=8&type=chunk) Consolidated Statements of Changes in Shareholders' Equity - Total shareholders' equity increased from **$237,800 thousand** on July 1, 2021, to **$239,100 thousand** on September 30, 2021. The increase was primarily due to net income of **$1,360 thousand**, partially offset by an other comprehensive loss of **$187 thousand**[10](index=10&type=chunk) Consolidated Statements of Cash Flows Cash Flow Summary | Cash Flow Activity | Three Months Ended Sep 30, 2021 (in thousands) | Three Months Ended Sep 30, 2020 (in thousands) | | :--- | :--- | :--- | | Net cash provided by (used in) operating activities | $5,901 | $(2,020) | | Net cash used in investing activities | $(22,296) | $(356) | | Net cash provided by financing activities | $170,011 | $107,631 | | **Net increase in cash and cash equivalents** | **$153,616** | **$105,255** | Notes to Unaudited Consolidated Financial Statements - The Company provides diversified financial services through Pioneer Bank and its subsidiaries, with **22 offices** in the Capital Region of New York State[15](index=15&type=chunk) - As of September 30, 2021, the Company had COVID-19 related financial hardship payment deferrals for commercial borrowers on **six loans** totaling **$25,800 thousand** and for consumer borrowers on **two loans** totaling **$849 thousand**[50](index=50&type=chunk) - The Company is involved in numerous legal proceedings related to fraudulent activity by a former customer, the "Mann Entities." The estimated range of possible loss is **$0 to $52,500 thousand** in excess of any accrued liability as of September 30, 2021. The NYSDFS has also indicated potential monetary penalties of up to **$30,000 thousand** related to this matter[84](index=84&type=chunk)[87](index=87&type=chunk)[107](index=107&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=49&type=section&id=Item%202%20-%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses financial condition and operations, highlighting asset growth, net income changes, asset quality, and capital status - Net income for the quarter ended September 30, 2021, was **$1,400 thousand**, a decrease of **2.7%** from the prior year's quarter. The decrease was mainly due to lower non-interest income and net interest income, partially offset by a lower provision for loan losses[196](index=196&type=chunk) - Total assets increased by **$171,400 thousand** (**9.5%**) to **$2,000,000 thousand** at September 30, 2021, from June 30, 2021, primarily driven by a **$153,600 thousand** increase in cash and cash equivalents from seasonal municipal deposit growth and PPP loan forgiveness[187](index=187&type=chunk)[188](index=188&type=chunk) - The allowance for loan losses was **$23,100 thousand**, or **2.15%** of total loans, at September 30, 2021. The provision for loan losses decreased to **$250 thousand** for the quarter, down from **$750 thousand** in the prior-year quarter, due to improving economic conditions[205](index=205&type=chunk)[227](index=227&type=chunk) - As of September 30, 2021, the Bank had **237 PPP loans** totaling **$32,100 thousand** remaining on its books[153](index=153&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=82&type=section&id=Item%203%20%E2%80%93%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) As a smaller reporting company, Pioneer Bancorp, Inc. is not required to provide this information - The company is a smaller reporting company and is not required to provide information for this item[252](index=252&type=chunk) [Controls and Procedures](index=82&type=section&id=Item%204%20%E2%80%93%20Controls%20and%20Procedures) Management, including the CEO and CFO, evaluated the company's disclosure controls and procedures and concluded they were effective as of September 30, 2021 - Management concluded that the company's disclosure controls and procedures were **effective** as of September 30, 2021[254](index=254&type=chunk) - No changes in internal control over financial reporting occurred during the first quarter of fiscal year 2022 that materially affected, or are reasonably likely to materially affect, the company's internal controls[257](index=257&type=chunk) [PART II – OTHER INFORMATION](index=84&type=section&id=PART%20II%20%E2%80%93%20OTHER%20INFORMATION) This section covers legal proceedings, risk factors, equity sales, defaults, mine safety, other information, and exhibits [Legal Proceedings](index=84&type=section&id=Item%201%20%E2%80%93%20Legal%20Proceedings) This section refers to Note 9 for details on legal proceedings, primarily concerning the "Mann Entities" fraud and its potential financial impact - Details regarding legal proceedings are discussed in "Note 9 – Commitments and Contingent Liabilities" in the financial statements[258](index=258&type=chunk) [Risk Factors](index=84&type=section&id=Item%201A%20%E2%80%93%20Risk%20Factors) There have been no material changes to the risk factors previously disclosed in the company's Annual Report on Form 10-K for the year ended June 30, 2021 - No material changes to the risk factors from the Form 10-K for the year ended June 30, 2021, were reported[259](index=259&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=84&type=section&id=Item%202%20%E2%80%93%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) None reported for the period - None[260](index=260&type=chunk) [Defaults Upon Senior Securities](index=84&type=section&id=Item%203%20%E2%80%93%20Defaults%20Upon%20Senior%20Securities) None reported for the period - None[260](index=260&type=chunk) [Mine Safety Disclosures](index=84&type=section&id=Item%204%20%E2%80%93%20Mine%20Safety%20Disclosures) Not applicable - Not applicable[260](index=260&type=chunk) [Other Information](index=84&type=section&id=Item%205%20%E2%80%93%20Other%20Information) None reported for the period - None[260](index=260&type=chunk) [Exhibits](index=85&type=section&id=Item%206%20%E2%80%93%20Exhibits) This section lists the exhibits filed with the report, including CEO and CFO certifications (Rule 13a-14(a) and Section 1350) and financial data formatted in Inline XBRL - Exhibits filed include certifications by the CEO and CFO, and financial statements formatted in Inline XBRL[261](index=261&type=chunk)

Table of Contents | UNITED STATES | | | | --- | --- | --- | | SECURITIES AND EXCHANGE COMMISSION | | | | Washington, D.C. 20549 | | | | FORM 10-K | | | | ⌧ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | | | | For the Year Ended June 30, 2021 | | | | OR | | | | ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | | | | For the transition period from _____________ to _______________ | | | | Commission File Number: 001-38991 | | | ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ PIONEER BANCORP, INC. (Exact Name of Company as Specified in its Charter) Maryland 001-38991 83-4274253 (State of Other Jurisdiction of Incorporation) ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2020 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ PIONEER BANCORP, INC. (Exact Name of Company as Specified in its Charter) Maryland 001-38991 83-4274253 (State of Other Jurisdiction of Incorporati ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ PIONEER BANCORP, INC. (Exact Name of Company as Specified in its Charter) Maryland 001-38991 83-4274253 (State of Other Jurisdiction of Incorporat ...

Table of Contents | UNITED STATES | | | --- | --- | | SECURITIES AND EXCHANGE COMMISSION | | | Washington, D.C. 20549 | | | FORM 10-K | | | ⌧ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | | | For the Year Ended June 30, 2020 | | | OR | | | ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | | | For the transition period from _____________ to _______________ | | | Commission File Number: 001-38991 | | | Pioneer Bancorp, Inc. | ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ PIONEER BANCORP, INC. (Exact Name of Company as Specified in its Charter) Maryland 001-38991 83-4274253 (State of Other Jurisdiction ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ PIONEER BANCORP, INC. (Exact Name of Company as Specified in its Charter) Maryland 001-38991 83-4274253 (State of Other Jurisdict ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ PIONEER BANCORP, INC. (Exact Name of Company as Specified in its Charter) Maryland 001-38991 83-4274253 (State of Other Jurisdic ...