| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 58,066 | 29,594 | ||
| Federal funds sold | 3,452 | 2,682 | ||
| Interest-earning deposits with banks | 167,033 | 89,792 | ||
| Cash and cash equivalents | 228,551 | 122,068 | ||
| Securities available for sale, at fair value | 254,509 | 288,220 | ||
| Gross unrealized gains-Corporate Debt Securities | 534 | NaN | ||
| Gross unrealized losses-Corporate Debt Securities | 6,249 | NaN | ||
| Estimated fair value-Corporate Debt Securities | 36,194 | NaN | ||
| Gross unrealized losses-Municipal Bonds | 9 | NaN | ||
| Estimated fair value-Municipal Bonds | 2,375 | NaN | ||
| Amortized cost | 44,293 | NaN | ||
| Allowance for credit losses | 411 | NaN | ||
| Securities held to maturity, net of allowance for credit losses of 411 at september 30, 2025 and 216 at december 31, 2024 (fair value of 38,569 at september 30, 2025 and 22,457 at december 31, 2024) | 43,882 | 42,406 | ||
| Federal reserve bank of new york and federal home loan bank of new york stock | 3,934 | 3,765 | ||
| Financing Receivables30To59Days Past Due | 3 | NaN | ||
| Financing Receivables60To89Days Past Due | 6 | NaN | ||
| Financing Receivables Equal To Greater Than90Days Past Due | 6,187 | NaN | ||
| Financial Asset Past Due | 6,196 | NaN | ||
| Financial Asset Not Past Due | 463,597 | NaN | ||
| Commercial Portfolio Segment-Real Estate Loan | 469,793 | NaN | ||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 125,267 | NaN | ||
| Commercial And Industrial Loan-Commercial Portfolio Segment | 125,267 | NaN | ||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 163,470 | NaN | ||
| Commercial Portfolio Segment-Construction Loans | 163,470 | NaN | ||
| Financing Receivables60To89Days Past Due | 1,620 | NaN | ||
| Financing Receivables Equal To Greater Than90Days Past Due | 388 | NaN | ||
| Financial Asset Past Due | 2,008 | NaN | ||
| Financial Asset Not Past Due | 761,676 | NaN | ||
| Residential Portfolio Segment | 763,684 | NaN | ||
| Financing Receivables30To59Days Past Due | 319 | NaN | ||
| Financing Receivables60To89Days Past Due | 416 | NaN | ||
| Financing Receivables Equal To Greater Than90Days Past Due | 267 | NaN | ||
| Financial Asset Past Due | 1,002 | NaN | ||
| Financial Asset Not Past Due | 96,584 | NaN | ||
| Home Equity Loans And Lines Portfolio Segment | 97,586 | NaN | ||
| Financing Receivables30To59Days Past Due | 43 | NaN | ||
| Financing Receivables60To89Days Past Due | 3 | NaN | ||
| Financial Asset Past Due | 46 | NaN | ||
| Financial Asset Not Past Due | 18,686 | NaN | ||
| Consumer Portfolio Segment | 18,732 | NaN | ||
| Loans receivable | 1,638,532 | 1,566,664 | ||
| Financing Receivable Allowance For Credit Loss Individually Evaluated For Impairment | 126 | NaN | ||
| Related to loans individually evaluated | 126 | NaN | ||
| Related to loans collectively evaluated | 24,474 | NaN | ||
| Allowance for credit losses | 24,600 | 23,804 | ||
| Net loans receivable | 1,613,932 | 1,542,860 | ||
| Accrued interest receivable | 9,244 | 8,704 | ||
| Premises and equipment, net | 35,320 | 35,725 | ||
| Bank-owned life insurance | 15,306 | 15,328 | ||
| Goodwill | 10,879 | 10,879 | ||
| Other intangible assets, net | 2,352 | 2,464 | ||
| Other assets | 25,401 | 24,006 | ||
| Total assets | 2,243,310 | 2,096,425 | ||
| Non-interest bearing deposits | 569,987 | 470,900 | ||
| Interest bearing deposits | 1,325,044 | 1,270,960 | ||
| Total deposits | 1,895,031 | 1,741,860 | ||
| Mortgagors' escrow deposits | 4,068 | 10,769 | ||
| Other liabilities | 30,013 | 29,547 | ||
| Total liabilities | 1,929,112 | 1,782,176 | ||
| Common stock (0.01 par value, 75,000,000 shares authorized 25,083,829 and 25,978,904 shares issued and outstanding as of september 30, 2025 and december 31, 2024, respectively) | 251 | 255 | ||
| Additional paid in capital | 115,046 | 114,771 | ||
| Retained earnings | 199,719 | 201,381 | ||
| Unallocated common stock of employee stock ownership plan ('esop') | 9,039 | 9,210 | ||
| Accumulated other comprehensive income | 8,221 | 7,052 | ||
| Total shareholders' equity | 314,198 | 314,249 | ||
| Total liabilities and shareholders' equity | 2,243,310 | 2,096,425 | ||
Pioneer Bancorp, Inc. MD (PBFS)
Pioneer Bancorp, Inc. MD (PBFS)