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Pioneer Bancorp Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.3 million ($0.18 per share), down from $6.3 million ($0.25 per share) in Q3 2024, primarily due to higher non-interest expense and increased provision for credit losses, partially offset by higher net interest income and lower income tax expense.
For the nine months ended September 30, 2025, net income rose to $16.5 million ($0.67 per share) from $15.0 million ($0.59 per share) year-over-year, driven by higher net interest and non-interest income, offset by increased provision for credit losses and non-interest expense.
Total assets grew 13.3% to $2.24 billion at September 30, 2025, with net loans receivable at $1.61 billion and deposits at $1.90 billion.
Completed acquisition of Brown Financial Management Group, adding $73 million in assets under management.
Financial highlights
Net interest income for Q3 2025 increased 12.9% year-over-year to $20.2 million; net interest margin rose to 4.16%.
Interest income for Q3 2025 grew 16.0% to $28.3 million; interest expense rose 24.7% to $8.1 million.
Noninterest income for Q3 2025 decreased 7.4% to $3.8 million; noninterest expense increased 20.0% to $17.6 million, driven by higher salaries and litigation-related costs.
Provision for credit losses was $785,000 in Q3 2025, compared to a credit of $870,000 in Q3 2024, reflecting loan growth and economic conditions.
For the nine months, net interest income was $58.9 million (up 12.3%), and non-interest income was $12.3 million (up 2.5%).
Outlook and guidance
Strategic focus remains on relationship-based growth, expanding wealth management, and maintaining a diversified deposit base.
Management expects continued volatility in credit loss allowance due to economic conditions and loan portfolio composition.
Outlook on the $4.7M non-accrual CRE loan
How to improve the Q3 efficiency ratio trend?
Strategy to optimize deposit mix and funding costs?
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Next Pioneer Bancorp earnings date
Q2 202612 Feb, 2026
Pioneer Bancorp
Next Pioneer Bancorp earnings date
Q2 202612 Feb, 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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