PBFS / Pioneer Bancorp, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Pioneer Bancorp, Inc.
US ˙ NasdaqCM ˙ US7235611065

Mga Batayang Estadistika
CIK 1769663
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Pioneer Bancorp, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
August 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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 June 30, 2025 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

August 5, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 5, 2025 Pioneer Bancorp, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 5, 2025 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emplo

August 5, 2025 EX-99.1

Pioneer Launches Human Resources Consulting Division, Expands its Capabilities as ‘More Than a Bank’ Pioneer’s newest line of business, under the leadership of industry expert Miriam Dushane, will deliver on-site HR expertise, project-based resources

EXHIBIT 99.1 News Release For Immediate Release: Pioneer Launches Human Resources Consulting Division, Expands its Capabilities as ‘More Than a Bank’ Pioneer’s newest line of business, under the leadership of industry expert Miriam Dushane, will deliver on-site HR expertise, project-based resources, and leave management services to small and mid-sized companies Albany, N.Y. - August 5, 2025 - Pion

July 30, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 30, 2025 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File Nu

July 30, 2025 EX-99.1

Pioneer Bancorp, Inc. Reports Second Quarter 2025 Results Net Income of $6.5 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Second Quarter 2025 Results Net Income of $6.5 Million Albany, N.Y. – July 30, 2025 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three and six months ended June 30, 2025. Net i

June 26, 2025 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO S

May 22, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 20, 2025 Pioneer Bancorp, Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 20, 2025 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employe

May 9, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 2025 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

April 30, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 30, 2025 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File N

April 30, 2025 EX-99.1

Pioneer Bancorp, Inc. Reports First Quarter 2025 Results Net Income of $5.8 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports First Quarter 2025 Results Net Income of $5.8 Million Albany, N.Y. – April 30, 2025 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three months ended March 31, 2025. Net income f

April 11, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨Preliminary Proxy Statement ¨Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) xDefiniti

March 12, 2025 EX-19

Insider Trading Policy

Exhibit 19 PIONEER BANCORP, INC. POLICY REGARDING INSIDER TRADING Pioneer Bancorp, Inc. (the “Company”) is a public company, the common stock of which is traded on the Nasdaq Capital Market and registered under the Securities Exchange Act of 1934, as amended. As a public company, the Company files periodic reports and proxy statements with the Securities and Exchange Commission (the “SEC”). As a d

March 12, 2025 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name Percent Ownership State of Incorporation Pioneer Bank, National Association 100% New York Pioneer Insurance Agency, Inc.* 100% New York Pioneer Financial Services, Inc.* 100% New York * Subsidiary of Pioneer Bank, National Association

March 12, 2025 10-KT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KT ☐ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Year Ended OR ☒TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from July 1, 2024 to December 31, 2024 Commission File Number: 001-38991 Pi

March 12, 2025 EX-97.1

PIONEER BANCORP, INC. CLAWBACK POLICY

Exhibit 97.1 PIONEER BANCORP, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of Pioneer Bancorp, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of Erroneously Awarded Compensation in the event the Company is required to prepare an Accounting Restatement. The

January 30, 2025 EX-99.1

Pioneer Bancorp, Inc. Reports December 31, 2024 Results Net Income of $9.6 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports December 31, 2024 Results Net Income of $9.6 Million Albany, N.Y. – January 30, 2025 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three and six months ended December 31, 2024.

January 30, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 30, 2025 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File

November 19, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 19, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction (Commission File No.) (I.R.S. Emp

November 12, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 2024 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 Nam

October 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 30, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File

October 30, 2024 EX-99.1

Pioneer Bancorp, Inc. Reports September 30, 2024 Quarterly Results Net Income of $6.3 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports September 30, 2024 Quarterly Results Net Income of $6.3 Million Albany, N.Y. – October 30, 2024 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three months ended September 30, 20

October 21, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨Preliminary Proxy Statement ¨Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) xDefiniti

October 18, 2024 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 15, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emp

October 18, 2024 EX-3.2

Amended and Restated Bylaws of Pioneer Bancorp, Inc.

EXHIBIT 3.2 AMENDED AND RESTATED BYLAWS OF PIONEER BANCORP, INC. ARTICLE I STOCKHOLDERS Section 1. Annual Meeting. Pioneer Bancorp, Inc. (the “Corporation”) shall hold an annual meeting of its stockholders to elect directors and to transact any other business within its powers, at such place, on such date and at such time as the Board of Directors shall fix. Failure to hold an annual meeting does

September 25, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

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, 2024 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

September 25, 2024 EX-97.1

Policy relating to recovery of erroneously awarded compensation, as required by applicable listing standards adopted pursuant to 17 CFR 240.10D-1.

Exhibit 97.1 PIONEER BANCORP, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of Pioneer Bancorp, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of Erroneously Awarded Compensation in the event the Company is required to prepare an Accounting Restatement. The

September 25, 2024 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name Percent Ownership State of Incorporation Pioneer Bank, National Association 100% New York Pioneer Commercial Bank* 100% New York Pioneer Insurance Agency, Inc.* 100% New York Pioneer Financial Services, Inc.* 100% New York * Subsidiary of Pioneer Bank, National Association

July 31, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 31, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File Nu

July 31, 2024 EX-99.1

Pioneer Bancorp, Inc. Reports Fiscal Year 2024 Results Net Income of $15.3 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Fiscal Year 2024 Results Net Income of $15.3 Million Albany, N.Y. – July 31, 2024 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for its fourth quarter and fiscal year ended June 30, 202

July 16, 2024 EX-99.1

Pioneer Bancorp, Inc. Appoints Siena College President Charles Seifert to its Board of Directors

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211 News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Appoints Siena College President Charles Seifert to its Board of Directors Albany, N.Y. – July 16, 2024 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today announced that its Board of Directors appointed Charles Seifert,

July 16, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 16, 2024 Pioneer Bancorp, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 16, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employ

June 25, 2024 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO S

May 21, 2024 EX-99.1

PIONEER BANCORP, INC. ANNOUNCES ADOPTION OF STOCK REPURCHASE PROGRAM

EXHIBIT 99.1 652 Albany Shaker Road, Albany, NY 12211 News Release FOR IMMEDIATE RELEASE: PIONEER BANCORP, INC. ANNOUNCES ADOPTION OF STOCK REPURCHASE PROGRAM Albany, N.Y. – May 21, 2024 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today announced that it has adopted a stock repurchase program for up to approximately 5% of its ou

May 21, 2024 S-8

As filed with the Securities and Exchange Commission on May 21, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 Pioneer Bancorp, Inc. (Exact Name of Registrant as

Registration No. 333- As filed with the Securities and Exchange Commission on May 21, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 83-4274253 (State or Other Jurisdiction of (I.R.S. Employer Identification No.) Incorp

May 21, 2024 EX-10.2

Form of restricted stock award agreement (incorporated by reference to Exhibit 10.2 to the Form S-8 of Pioneer Bancorp Inc. (File No. 333-279590), initially filed with the Securities and Exchange Commission on May 21, 2024)

EXHIBIT 10.2 RESTRICTED STOCK AWARD AGREEMENT Granted by PIONEER BANCORP, INC. under the PIONEER BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This restricted stock award agreement (“Restricted Stock Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Pioneer Bancorp, Inc. (the “Company”) which are incorporated herein by ref

May 21, 2024 EX-10.3

Form of incentive stock award agreement (incorporated by reference to Exhibit 10.3 to the Form S-8 of Pioneer Bancorp Inc. (File No. 333-279590), initially filed with the Securities and Exchange Commission on May 21, 2024)

EXHIBIT 10.3 INCENTIVE STOCK OPTION Granted by PIONEER BANCORP, INC. under the PIONEER BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This incentive stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Pioneer Bancorp, Inc. (the “Company”) which are incorporated herein by reference and made a part her

May 21, 2024 EX-FILING FEES

Filing Fee Table

EXHIBIT 107 Calculation of Filing Fee Tables Form S-8 (Form Type) Pioneer Bancorp, Inc.

May 21, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 21, 2024 Pioneer Bancorp, Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 21, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction of Incorporation) (Commission File

May 21, 2024 EX-10.4

Form of non-qualified stock option award agreement (incorporated by reference to Exhibit 10.4 to the Form S-8 of Pioneer Bancorp Inc. (File No. 333-279590), initially filed with the Securities and Exchange Commission on May 21, 2024)

EXHIBIT 10.4 NON-QUALIFIED STOCK OPTION Granted by PIONEER BANCORP, INC. under the PIONEER BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This non-qualified stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Pioneer Bancorp, Inc. (the “Company”) which are incorporated herein by reference and made a

May 13, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 2024 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

May 1, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 1, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File Numb

May 1, 2024 EX-99.1

Pioneer Bancorp, Inc. Reports Third Quarter Fiscal 2024 Results Net Income of $4.7 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Third Quarter Fiscal 2024 Results Net Income of $4.7 Million Albany, N.Y. – May 1, 2024 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three and nine months ended March 31, 2024,

April 1, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 1, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employ

February 14, 2024 SC 13G/A

PBFS / Pioneer Bancorp, Inc. / M3 PARTNERS LP Passive Investment

SC 13G/A 1 fp0087178-16sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 2) PIONEER Bancorp, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 723561106 (CUSIP Number) December 31,

February 13, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 2023 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 Spe

February 13, 2024 EX-10.1

Settlement Agreement and Mutual General Release by and between Pioneer Bank and the TBC Parties (incorporated by reference to Exhibit 10.1 to the Current Report on Form 10-Q filed with the Securities and Exchange Commission on February 13, 2024 (File No. 001-38991))

Exhibit 10.1 SETTLEMENT AGREEMENT AND MUTUAL GENERAL RELEASE This Settlement Agreement and Mutual General Release (“Agreement”) is entered into by and between Pioneer Bank (“Pioneer”), on the one hand, and Teal, Becker & Chiaramonte, CPAs, P.C. (“TBC”); Pasquale M. Scisci; and Vincent Commisso (collectively, “the TBC Parties”) on the other. The above individuals and entities are referred to indivi

February 8, 2024 EX-99.1

Black-Out Notice Concerning Limitations on Trading in Pioneer Bancorp, Inc. Equity Securities

EXHIBIT 99.1 Black-Out Notice Concerning Limitations on Trading in Pioneer Bancorp, Inc. Equity Securities To: Executive Officers and Directors of Pioneer Bancorp, Inc. From: Susan Hollister, Executive Vice President, Chief Human Resources Officer, Corporate Secretary Date: February 7, 2024 1. As you may know, a “blackout period” will be imposed on trading in Pioneer Bancorp, Inc. (the “Company”)

February 8, 2024 8-K

Temporary Suspension of Trading Under Registrant's Employee Benefit Plans, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 7, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction of Incorporation) (Commission

February 7, 2024 EX-99.1

Pioneer Bancorp, Inc. Reports Second Quarter Fiscal 2024 Results Net Income of $3.2 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Second Quarter Fiscal 2024 Results Net Income of $3.2 Million Albany, N.Y. – February 7, 2024 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three and six months ended December 3

February 7, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 7, 2024 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File

February 6, 2024 SC 13G/A

PBFS / Pioneer Bancorp, Inc. / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3) * Pioneer Bancorp Inc. (PBFS) (Name of Issuer) Common Stock (Title of Class of Securities) 723561106 (CUSIP Number) 12/31/2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this S

January 4, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 28, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission Fil

December 29, 2023 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 29, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Em

November 21, 2023 8-K

Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 15, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission Fil

November 21, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 21, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission Fil

November 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 2023 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 Sp

November 6, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 6, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File

November 6, 2023 EX-99.1

Pioneer Bancorp, Inc. Reports First Quarter Fiscal 2024 Results Net Income of $3.4 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports First Quarter Fiscal 2024 Results Net Income of $3.4 Million Albany, N.Y. – November 6, 2023 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three months ended September 30, 2023,

October 20, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨Preliminary Proxy Statement ¨Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) xDefiniti

September 26, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

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, 2023 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

September 26, 2023 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name Percent Ownership State of Incorporation Pioneer Bank 100% New York Pioneer Commercial Bank* 100% New York Anchor Agency, Inc.* 100% New York Pioneer Financial Services, Inc.* 100% New York * Subsidiary of Pioneer Bank

August 16, 2023 EX-99.1

Pioneer Bancorp, Inc. Reports Fiscal Year 2023 Net Income of $21.9 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Fiscal Year 2023 Net Income of $21.9 Million Albany, N.Y. – August 16, 2023 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the fourth quarter and fiscal year ended June 30, 2023. Hig

August 16, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 16, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File

July 26, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 17, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File Nu

July 26, 2023 EX-99.1

Pioneer Expands Wealth Management Division, Exceeds $1 Billion in Assets Under Management, With Acquisition of Hudson Financial LLC Addition of respected independent advisory firm accelerates rapid growth of Pioneer Wealth Management, further broaden

Exhibit 99.1 For Release: Immediate – Monday, July 17, 2023 Pioneer Expands Wealth Management Division, Exceeds $1 Billion in Assets Under Management, With Acquisition of Hudson Financial LLC Addition of respected independent advisory firm accelerates rapid growth of Pioneer Wealth Management, further broadens Pioneer’s recognition as ‘More Than a Bank’ Albany, NY – Pioneer, a leading financial in

June 29, 2023 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO S

May 15, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 2023 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 Specif

May 5, 2023 EX-99.1

Pioneer Bancorp, Inc. Reports Third Quarter Fiscal 2023 Net Income of $6.0 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Third Quarter Fiscal 2023 Net Income of $6.0 Million Albany, N.Y. – May 5, 2023 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), the parent company of Pioneer Bank (the “Bank”) today reported the results for the three and nine months ended March 31, 2023, which is the third qu

May 5, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 5, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File Numb

February 10, 2023 SC 13G/A

PBFS / Pioneer Bancorp Inc / M3 PARTNERS LP Passive Investment

SC 13G/A 1 fp0082186-4sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1) PIONEER Bancorp, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 723561106 (CUSIP Number) December 31,

February 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 2022 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 Spe

February 8, 2023 SC 13G/A

PBFS / Pioneer Bancorp Inc / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2) * Pioneer Bancorp Inc. (PBFS) (Name of Issuer) Common Stock (Title of Class of Securities) 723561106 (CUSIP Number) 12/31/2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this S

January 30, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 30, 2023 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or other jurisdiction of incorporation) (Commission File

January 30, 2023 EX-99.1

Pioneer Bancorp, Inc. Reports Second Quarter Fiscal 2023 Net Income of $6.2 Million

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211‌News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Second Quarter Fiscal 2023 Net Income of $6.2 Million Albany, N.Y. – January 30, 2023 – Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), the parent company of Pioneer Bank (the “Bank”) today reported the results for the three and six months ended December 31, 2022, which is the

November 16, 2022 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 15, 2022 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction of Incorporation) (Commission Fil

November 14, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

? ? 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, 2022 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 a

November 9, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 or 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ? Date of Report (Date of earliest event reported): November 9, 2022 ? Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? Maryland 001-38991 83-4274253 (State or other jurisdiction of incorpora

November 9, 2022 EX-99.1

Pioneer Bancorp, Inc. Reports First Quarter Fiscal 2023 Results Net Income of $5.2 Million and Total Assets Top $2 Billion

Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211?News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports First Quarter Fiscal 2023 Results Net Income of $5.2 Million and Total Assets Top $2 Billion Albany, N.Y. ? November 9, 2022 ? Pioneer Bancorp, Inc. (?Pioneer?) (NASDAQ: PBFS), the parent company of Pioneer Bank (the ?Bank?) today reported the results for the quarter ended Septem

October 14, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 tmb-20221115xdef14a.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨Preliminary Proxy Statement ¨Confidential, for Use of the Commission Only (a

September 23, 2022 EX-10.5

Pioneer Bank Targeted Incentive Plan (incorporated by reference to Exhibit 10.5 to the Annual Report on Form 10-K of Pioneer Bancorp, Inc. (File No. 001-38991) filed with the Securities and Exchange Commission on September 23, 2022)

Exhibit 10.5 PIONEER BANK ? TARGET INCENTIVE PLAN ? ? ARTICLE I ? Establishment, Purpose and Duration ? 1.1 Establishment. This Target Incentive Plan (the ?Plan?) is adopted by Pioneer Bank (the ?Bank?), effective as of January 1, 2018 (the ?Effective Date?). ? 1.2 Purpose. The Plan seeks to provide participating personnel with incentives and motivation to stimulate the Bank?s profitability and gr

September 23, 2022 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT ? ? ? ? ? Name Percent Ownership State of Incorporation ? ? ? ? ? Pioneer Bank ? 100% ? New York ? ? ? ? ? Pioneer Commercial Bank* ? 100% ? New York ? ? ? ? ? Anchor Agency, Inc.* ? 100% ? New York ? ? ? ? ? Pioneer Financial Services, Inc.* ? 100% ? New York * Subsidiary of Pioneer Bank

September 23, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

June 23, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Table of Contents ? ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

May 31, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 24, 2022 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employe

May 31, 2022 EX-10.1

Separation Agreement and General Release, by and between Pioneer Bank and Frank Sarratori, dated May 24, 2022

EXHIBIT 10.1 SEPARATION AGREEMENT AND GENERAL RELEASE This sets forth an Agreement between Pioneer Bank (?Bank?) and Frank Sarratori in full and complete settlement of all issues concerning Executive?s employment and separation from employment with Employer. As used in this Agreement, ?Employer? shall mean Pioneer Bank and its predecessors, divisions, affiliates, subsidiaries, successors, assigns,

May 11, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

? ? 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, 2022 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 Sp

April 21, 2022 EX-99.1

JOINT FILING AGREEMENT

EXHIBIT 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Stock of Pioneer Bancorp, Inc.

April 21, 2022 SC 13G

PBFS / Pioneer Bancorp Inc / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) PIONEER Bancorp, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 723561106 (CUSIP Number) April 11, 2022 (Date of Event Which Requires Filing of This Stat

February 10, 2022 SC 13G/A

PBFS / Pioneer Bancorp Inc / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) * Pioneer Bancorp Inc. (PBFS) (Name of Issuer) Common Stock (Title of Class of Securities) 723561106 (CUSIP Number) 12/31/2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this S

February 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

? ? 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, 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

November 16, 2021 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 16, 2021 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Em

November 9, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

? ? 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, 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 a

October 15, 2021 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? ? ? Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ?Preliminary Proxy Statement ?Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) xDe

September 28, 2021 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT ? ? ? ? ? Name Percent Ownership State of Incorporation ? ? ? ? ? Pioneer Bank ? 100% ? New York ? ? ? ? ? Pioneer Commercial Bank* ? 100% ? New York ? ? ? ? ? Anchor Agency, Inc.* ? 100% ? New York ? ? ? ? ? Pioneer Financial Services, Inc.* ? 100% ? New York * Subsidiary of Pioneer Bank

September 28, 2021 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

June 22, 2021 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Table of Contents ? ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

May 19, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 18, 2021 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employe

May 18, 2021 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. _) *

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. ) * Pioneer Bancorp Inc. (PBFS) (Name of Issuer) Common Stock (Title of Class of Securities) 723561106 (CUSIP Number) 5/7/2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sche

May 14, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

? ? 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 Sp

April 5, 2021 DEF 14A

Pioneer Bancorp, Inc. 2020 Equity Incentive Plan (incorporated by reference to Appendix A to the proxy statement for the Annual Meeting of Stockholders filed with the Securities and Exchange Commission on April 5, 2021 (file no. 001-38991))+

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ? Check the Appropriate Box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Ru

March 19, 2021 EX-3.2

Amended and Restated Bylaws of Pioneer Bancorp, Inc.

AMENDED AND RESTATED BYLAWS OF PIONEER BANCORP, INC. ARTICLE I STOCKHOLDERS Section 1. Annual Meeting. Pioneer Bancorp, Inc. (the ?Corporation?) shall hold an annual meeting of its stockholders to elect directors and to transact any other business within its powers, at such place, on such date and at such time as the Board of Directors shall fix. Failure to hold an annual meeting does not invalida

March 19, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 16, 2021 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emplo

February 22, 2021 10-Q

Quarterly Report - 10-Q

? ? 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

February 22, 2021 10-K/A

Annual Report - 10-K/A

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

February 22, 2021 10-Q/A

Quarterly Report - 10-Q/A

? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 1) ? 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. (Exa

February 16, 2021 8-K

Non-Reliance on Previously Issued Financial Statements or a Related Audit Report or Completed Interim Review

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): February 12, 2021 ? Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? Maryland ? ? 001-38991 ? 83-4274253 (State or Other Jurisdiction) ? ? (Com

February 16, 2021 NT 10-Q

- NT 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 ? FORM 12b-25 ? NOTIFICATION OF LATE FILING ? Commission File Number 001-38991 ? (Check One):? Form 10-K ? Form 20-F ? Form 11-K ? Form10-Q ? Form 10-D ? Form N-CEN ? Form N-CSR ? For Period Ended:December 31, 2020 ? ?Transition Report on Form 10-K ?Transition Report on Form 20-F ?Transition Report on Form 11-K ?Transition Report on Form 10-Q ? For the Transition Period Ended:? ?? ? ? Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.

February 12, 2021 CORRESP

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Pioneer Bancorp Inc. 652 Albany-Shaker Road Albany NY 12211 ? February 12, 2021 ? VIA EDGAR ? Mr. Michael Volley Mr. Amit Pande Office of Finance Division of Corporation Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 ? Re: Pioneer Bancorp, Inc. Form 10-Q filed May 14, 2020 Response dated September 29, 2020 File No. 001-38991 Dear Messrs. Volley and

January 22, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 19, 2021 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emp

November 12, 2020 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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 Sp

October 28, 2020 10-K/A

Annual Report - 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) ⌧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, I

September 29, 2020 CORRESP

-

Pioneer Bancorp Inc. 652 Albany-Shaker Road Albany NY 12211 ? September 29, 2020 ? VIA EDGAR ? Mr. Michael Volley Mr. Amit Pande Office of Finance Division of Corporation Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 ? Re: Pioneer Bancorp, Inc. Form 10-Q filed May 14, 2020 Response dated April 28, 2020 File No. 001-38991 Dear Messrs. Volley and Pa

September 28, 2020 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

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

September 28, 2020 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name Percent Ownership State of Incorporation Pioneer Bank 100% New York Pioneer Commercial Bank* 100% New York Anchor Agency, Inc.* 100% New York Pioneer Financial Services, Inc.* 100% New York * Subsidiary of Pioneer Bank

August 13, 2020 11-K

- 11-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO S

June 26, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 26, 2020 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employ

May 14, 2020 10-Q

Quarterly Report - 10-Q

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

April 2, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 27, 2020 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emplo

February 20, 2020 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 18, 2020 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Em

February 14, 2020 10-Q

PBFS / Pioneer Bancorp, Inc. 10-Q - Quarterly Report - 10-Q

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

January 15, 2020 DEF 14A

PBFS / Pioneer Bancorp, Inc. DEF 14A - - DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the Appropriate Box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Ru

December 16, 2019 10-Q

PBFS / Pioneer Bancorp, Inc. 10-Q - Quarterly Report - 10-Q

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 Nam

December 10, 2019 EX-4.6

Description of Registrant’s Securities (incorporated by reference to Exhibit 4.6 to the Annual Report on Form 10-K of Pioneer Bancorp, Inc. (File No. 001-38991) filed with the Securities and Exchange Commission on December 10, 2019)

EXHIBIT 4.6 DESCRIPTION OF CAPITAL STOCK OF PIONEER BANCORP, INC. General Pioneer Bancorp, Inc. is authorized to issue 75,000,000 shares of common stock, par value of $0.01 per share, and 5,000,000 shares of preferred stock, par value $0.01 per share. Each share of common stock has the same relative rights as, and is identical in all respects to, each other share of common stock. The shares of com

December 10, 2019 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name Percent Ownership State of Incorporation Pioneer Bank 100% New York Pioneer Commercial Bank* 100% New York Anchor Agency, Inc.* 100% New York Pioneer Financial Services, Inc.* 100% New York * Subsidiary of Pioneer Bank

December 10, 2019 10-K

PBFS / Pioneer Bancorp, Inc. 10-K - Annual Report - 10-K

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, 2019 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

November 22, 2019 8-K

Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 20, 2019 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Em

November 22, 2019 EX-99.1

PIONEER BANCORP, INC. RECEIVES NASDAQ NOTICE REGARDING LATE FORM 10-Q FILING

EXHIBIT 99.1 For Immediate Release Media Contact: Charles Wiff: (607) 743-8314 or (518) 326-6400 PIONEER BANCORP, INC. RECEIVES NASDAQ NOTICE REGARDING LATE FORM 10-Q FILING Albany, New York, November 22, 2019 – Pioneer Bancorp, Inc. (the “Company”), the holding company for Pioneer Bank, announced today that on November 20, 2019, it received a delinquency notification letter from the Nasdaq Stock

November 15, 2019 NT 10-Q

PBFS / Pioneer Bancorp, Inc. NT 10-Q - - NT 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 12b-25 NOTIFICATION OF LATE FILING Commission File Number 001-38991 (Check One): ◻ Form 10-K ◻ Form 20-F ◻ Form 11-K ⌧ Form10-Q ◻ Form D ◻ Form N-CEN ◻ Form N-CSR For Period Ended: September 30, 2019 ◻ Transition Report on Form 10-K ◻ Transition Report on Form 20-F ◻ Transition Report on Form 11-K ◻ Transition Report on Form 10-Q ◻ Transition Report on Form N-SAR For the Transition Period Ended: Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.

October 22, 2019 8-K

Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 16, 2019 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emp

October 22, 2019 EX-99.1

PIONEER BANCORP, INC. RECEIVES NASDAQ NOTICE REGARDING LATE FORM 10-K FILING

For Immediate Release Media Contact: Charles Wiff: (607) 743-8314 or (518) 326-6400 PIONEER BANCORP, INC.

October 1, 2019 NT 10-K

PBFS / Pioneer Bancorp, Inc. NT 10-K - - FORM 12B-25

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 12b-25 NOTIFICATION OF LATE FILING Commission File Number 001-38991 (Check One): ☒ Form 10-K ☐ Form 20-F ☐ Form 11-K ☐ Form10-Q ☐ Form D ☐ Form N-CEN ☐ Form N-CSR For Period Ended: June 30, 2019 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on Form 10-Q ☐ Transition Report on Form N-SAR For the Transition Period Ended: Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.

September 11, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 11, 2019 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. E

August 23, 2019 S-8

PBFS / Pioneer Bancorp, Inc. S-8 - - PIONEER BANCORP, INC. FORM S-8 AUGUST 23, 2019

Registration No. 333- As filed with the Securities and Exchange Commission on August 23, 2019 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 83-4274253 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. E

July 18, 2019 SC 13D

PBFS / Pioneer Bancorp, Inc. / Pioneer Bancorp, Mhc Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 Pioneer Bancorp, Inc. (Name of Issuer) Common Stock, $0.01 par value per share (Title of Class of Securities) 723561 106 (CUSIP Number) Benjamin Azoff, Esq. Luse Gorman, PC 5335 Wisconsin Avenue, N.W. Suite 780 Washington, D.C. 20015 (202) 274-2000 (Name, Address, Telephon

July 17, 2019 EX-10.4

Change in Control Agreement by and between Pioneer Bank and Patrick J. Hughes (incorporated by reference to Exhibit 10.4 to the Current Report on Form 8-K of Pioneer Bancorp, Inc. (File No. 001-38991) filed with the Securities and Exchange Commission on July 17, 2019)

Exhibit 10.4 TWO-YEAR CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the ?Agreement?) is made effective as of the 17th day of July 2019 (the ?Effective Date?), by and between Pioneer Bank, a New York-chartered stock savings bank (the ?Bank?) and Patrick J. Hughes (?Executive?). Any reference to the ?Company? shall mean Pioneer Bancorp, Inc., the newly-formed the stock holding compan

July 17, 2019 EX-10.1

Employment Agreement by and between Pioneer Bank and Thomas L. Amell (incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K of Pioneer Bancorp, Inc. (File No. 001-38991) filed with the Securities and Exchange Commission on July 17, 2019)

Exhibit 10.1 EXECUTION VERSION EMPLOYMENT AGREEMENT This Employment Agreement (the ?Agreement?) is made and entered into, effective as of July 17, 2019 (the ?Effective Date?), by and between Pioneer Bank, a New York-chartered stock savings bank (the ?Bank?) and Thomas L. Amell (?Executive?). Any reference to the ?Company? shall mean Pioneer Bancorp, Inc., the newly-formed the stock holding company

July 17, 2019 EX-10.2

Change in Control Agreement by and between Pioneer Bank and Frank C. Sarratori (incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K of Pioneer Bancorp, Inc. (File No. 001-38991) filed with the Securities and Exchange Commission on July 17, 2019)

Exhibit 10.2 TWO-YEAR CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the ?Agreement?) is made effective as of the 17th day of July 2019 (the ?Effective Date?), by and between Pioneer Bank, a New York-chartered stock savings bank (the ?Bank?) and Frank C. Sarratori (?Executive?). Any reference to the ?Company? shall mean Pioneer Bancorp, Inc., the newly-formed the stock holding compa

July 17, 2019 8-A12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Pioneer Bancorp, Inc. (Exact Name of Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) Maryland 83-4274253 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)

July 17, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 17, 2019 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38991 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employ

July 17, 2019 EX-99.1

PIONEER BANCORP, INC. ANNOUNCES CLOSING OF MUTUAL HOLDING COMPANY REORGANIZATION AND STOCK OFFERING

Exhibit 99.1 For Immediate Release Media Contact: Charles Wiff: (607) 743-8314 or (518) 326-6400 PIONEER BANCORP, INC. ANNOUNCES CLOSING OF MUTUAL HOLDING COMPANY REORGANIZATION AND STOCK OFFERING Albany, New York, July 17, 2019 ? Pioneer Bancorp, Inc. (the ?Company?), the holding company for Pioneer Bank, announced today that it had closed its stock offering in connection with the completion of t

July 17, 2019 EX-10.3

Change in Control Agreement by and between Pioneer Bank and Jesse Tomczak (incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K of Pioneer Bancorp, Inc. (File No. 001-38991) filed with the Securities and Exchange Commission on July 17, 2019)

Exhibit 10.3 TWO-YEAR CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the ?Agreement?) is made effective as of the 17th day of July 2019 (the ?Effective Date?), by and between Pioneer Bank, a New York-chartered stock savings bank (the ?Bank?) and Jesse Tomczak (?Executive?). Any reference to the ?Company? shall mean Pioneer Bancorp, Inc., the newly-formed the stock holding company of

July 10, 2019 EX-99.1

PIONEER BANCORP, INC. ANNOUNCES DEPOSITOR APPROVAL OF PLAN OF REORGANIZATION, RESULTS OF STOCK OFFERING AND CLOSING DATE

For Immediate Release Media Contact: Charles Wiff: (607) 743-8314 or (518) 326-6400 PIONEER BANCORP, INC.

July 10, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 10, 2019 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 333-230208 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emplo

June 21, 2019 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

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, 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

May 24, 2019 424B3

Interests in PIONEER BANK 401(k) SAVINGS PLAN Offering of Participation Interests of up to 1,527,370 Shares of PIONEER BANCORP, INC. Common Stock

Filed Pursuant to Rule 424(b)(3) Registration No: 333-230208 Prospectus Supplement Interests in PIONEER BANK 401(k) SAVINGS PLAN Offering of Participation Interests of up to 1,527,370 Shares of PIONEER BANCORP, INC.

May 24, 2019 424B3

(Proposed Holding Company for Pioneer Bank) Up to 9,713,393 Shares of Common Stock (Subject to increase to up to 11,170,402 Shares)

Filed Pursuant to Rule 424(b)(3) Registration No: 333-230208 PROSPECTUS (Proposed Holding Company for Pioneer Bank) Up to 9,713,393 Shares of Common Stock (Subject to increase to up to 11,170,402 Shares) Pioneer Bancorp, Inc.

May 20, 2019 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 14, 2019 Pioneer Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 333-230208 83-4274253 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employ

May 20, 2019 EX-1.1

Agency Agreement dated May 14, 2019, by and among the Company, the Bank, the MHC and Sandler O’Neill

Exhibit 1.1 EXECUTION COPY Up to 11,170,402 Shares PIONEER BANCORP, INC. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT May 14, 2019 Sandler O?Neill & Partners, L.P. 1251 Avenue of the Americas, 6th Floor New York, New York 10020 Ladies and Gentlemen: Pioneer Bancorp, Inc., a Maryland corporation (the ?Company?), Pioneer Bancorp, MHC, a to-be-formed New York-cha

May 10, 2019 CORRESP

PIONEER BANCORP, INC. 652 Albany Shaker Rd. Albany, NY 12211 May 10, 2019

PIONEER BANCORP, INC. 652 Albany Shaker Rd. Albany, NY 12211 May 10, 2019 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Pioneer Bancorp, Inc. Registration Statement on Form S-1 (Commission File No. 333-230208) Request for Acceleration of Effective Date Ladies and Gentlemen: Pioneer Bancorp, Inc. hereby requests that the effective date of the above refer

May 10, 2019 CORRESP

Sandler O'Neill + Partners, L.P. 1251 Avenue of the Americas 6th Floor New York, NY 10020 May 10, 2019

Sandler O'Neill + Partners, L.P. 1251 Avenue of the Americas 6th Floor New York, NY 10020 May 10, 2019 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Pioneer Bancorp, Inc. Registration Statement on Form S-1 File No. 333-230208 Request for Acceleration of Effective Date Dear Sir or Madam: In accordance with Rule 461 of the Rules and Regulations of the Sec

April 30, 2019 EX-99.4

Marketing Materials

Exhibit 99.4 Pioneer Bank Dear Depositor: We are pleased to announce that the Board of Trustees of Pioneer Bank unanimously approved a plan of reorganization and minority stock issuance whereby Pioneer Bancorp, Inc., the proposed holding company for Pioneer Bank, is offering shares of its common stock for sale. The majority of the shares of common stock of Pioneer Bancorp, Inc. will be held by our

April 30, 2019 EX-10.2

Form of Change in Control Agreement between Pioneer Bank and certain executive officers

Exhibit 10.2 TWO-YEAR CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the ?Agreement?) is made effective as of the day of , 2019 (the ?Effective Date?), by and between Pioneer Bank, a New York-chartered stock savings bank (the ?Bank?) and (the ?Executive?). Any reference to the ?Company? shall mean Pioneer Bancorp, Inc., the newly-formed the stock holding company of the Bank, or any

April 30, 2019 EX-2

Plan of Mutual Holding Company Reorganization and Minority Stock Issuance of Pioneer Bank, as amended

Exhibit 2 PIONEER SAVINGS BANK PLAN OF MUTUAL HOLDING COMPANY REORGANIZATION AND MINORITY STOCK ISSUANCE, AS AMENDED TABLE OF CONTENTS Page 1.

April 30, 2019 S-1/A

As filed with the Securities and Exchange Commission on April 30, 2019

As filed with the Securities and Exchange Commission on April 30, 2019 Registration No.

April 30, 2019 EX-99.5

Stock Order and Certification Form

Exhibit 99.5 A properly completed original stock order form must be used to subscribe for common stock. Please read the Stock Ownership Guide Instructions as you complete this form. Pioneer Bancorp, Inc. logo Subscription & Community Offering Stock Order Form STOCK ORDER DEADLINE day, , 2019 at 5:00 p.m. Eastern Time (Received not postmarked) STOCK ORDER DELIVERY If By Overnight or Hand Delivery T

April 30, 2019 EX-1.2

Form of Agency Agreement between Pioneer Bancorp, MHC, Pioneer Bancorp, Inc., Pioneer Bank and Sandler O’Neill & Partners, L.P.

Exhibit 1.2 Up to 11,170,402 Shares PIONEER BANCORP, INC. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT , 2019 Sandler O’Neill & Partners, L.P. 1251 Avenue of the Americas, 6th Floor New York, New York 10020 Ladies and Gentlemen: Pioneer Bancorp, Inc., a Maryland corporation (the “Company”), Pioneer Bancorp, MHC, a New York-chartered mutual holding company (the

April 30, 2019 CORRESP

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 WISCONSIN AVENUE, N.W., SUITE 780 WASHINGTON, D.C. 20015 TELEPHONE (202) 274-2000 FACSIMILE (202) 362-2902

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 WISCONSIN AVENUE, N.W., SUITE 780 WASHINGTON, D.C. 20015 TELEPHONE (202) 274-2000 FACSIMILE (202) 362-2902 www.luselaw.com WRITER’S DIRECT DIAL NUMBER WRITER’S E-MAIL (202) 274-2010 [email protected] April 30, 2019 Christopher Dunham, Staff Attorney U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549-0303 Re: Pioneer Bancorp, Inc.

April 30, 2019 EX-10.5

Purchase Agreement by and between Pioneer Savings Bank and Homestead Funding Corp. (incorporated by reference to Exhibit 10.5 to the Registration Statement on Form S-1 of Pioneer Bancorp, Inc. (File No. 333-230208), initially filed with the Securities and Exchange Commission on March 12, 2019)

Exhibit 10.5 PURCHASE AGREEMENT THIS PURCHASE AGREEMENT (?Agreement?), entered into as of this 7th day of January, 2016, by and between PIONEER SAVINGS BANK with an office at 21 Second Street, Troy, NY 12180 (?Purchaser?), and HOMESTEAD FUNDING CORP., with an office at 8 Airline Drive, Albany, New York 12205 (?Seller?). When Purchaser and Seller are referred to collectively within this Agreement t

March 12, 2019 EX-4

Form of Common Stock Certificate of Pioneer Bancorp, Inc. (incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1 of Pioneer Bancorp, Inc. (File No. 333-230208), initially filed with the Securities and Exchange Commission on March 12, 2019)

Exhibit 4 INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND No. PIONEER BANCORP, INC. Shares CUSIP: FULLY PAID AND NON-ASSESSABLE PAR VALUE $0.01 PER SHARE THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO RESTRICTIONS, SEE REVERSE SIDE THIS CERTIFIES that is the owner of SHARES OF COMMON STOCK of Pioneer Bancorp, Inc. a Maryland corporation The shares evidenced by this certificate are

March 12, 2019 EX-3.1

Articles of Incorporation of Pioneer Bancorp, Inc. (incorporated by reference to Exhibit 3.1 to the Registration Statement on Form S-1 of Pioneer Bancorp, Inc. (File No. 333-230208), initially filed with the Securities and Exchange Commission on March 12, 2019)

Exhibit 3.1 ARTICLES OF INCORPORATION OF Pioneer BANCORP, INC. The undersigned Benjamin M. Azoff, whose address is 5335 Wisconsin Avenue, NW Suite 780, Washington, DC 20015, being at least eighteen (18) years of age, does hereby form a corporation under the general laws of the State of Maryland having the following Articles of Incorporation (the ?Articles?): ARTICLE 1. Name. The name of the corpor

March 12, 2019 EX-3.2

Bylaws of Pioneer Bancorp, Inc. (incorporated by reference to Exhibit 3.2 to the Registration Statement on Form S-1 of Pioneer Bancorp, Inc. (File No. 333-230208), initially filed with the Securities and Exchange Commission on March 12, 2019)

EX-3.2 5 tv515712ex3-2.htm EXHIBIT 3.2 Exhibit 3.2 BYLAWS OF Pioneer bancorp, inc. ARTICLE I STOCKHOLDERS Section 1. Annual Meeting. Pioneer Bancorp, Inc. (the “Corporation”) shall hold an annual meeting of its stockholders to elect directors and to transact any other business within its powers, at such place, on such date and at such time as the Board of Directors shall fix. Failure to hold an an

March 12, 2019 EX-99.2

Letter of RP Financial, LC. with respect to value of Subscription Rights

EX-99.2 18 tv515712ex99-2.htm EXHIBIT 99.2 Exhibit 99.2 RP® FINANCIAL, LC. Advisory | Planning | Valuation March 11, 2019 Board of Directors Pioneer Bancorp, MHC Pioneer Bancorp, Inc. Board of Trustees Pioneer Savings Bank 652 Albany-Shaker Road Albany, New York 12211 Re: Plan of Reorganization and Minority Stock Issuance Pioneer Bancorp, MHC Pioneer Bancorp, Inc. Pioneer Savings Bank Members of t

March 12, 2019 EX-21

Subsidiaries of Pioneer Bancorp, Inc.

EXHIBIT 21 Significant Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Pioneer Bank 100% New York Pioneer Commercial Bank* 100% New York Anchor Agency, Inc.* 100% New York Pioneer Financial Services, Inc.* 100% New York *Subsidiary of Pioneer Bank

March 12, 2019 EX-99.6

Letter of RP Financial, LC. with respect to Liquidation Account

Exhibit 99.6 RP? FINANCIAL, LC. Advisory | Planning | Valuation March 11, 2019 Board of Directors Pioneer Bancorp, MHC Pioneer Bancorp, Inc. Board of Trustees Pioneer Savings Bank 652 Albany-Shaker Road Albany, New York 12211 Re: Plan of Reorganization and Minority Stock Issuance Pioneer Bancorp, MHC Pioneer Bancorp, Inc. Pioneer Savings Bank Members of the Boards of Trustees and Directors: All ca

March 12, 2019 S-1

As filed with the Securities and Exchange Commission on March 12, 2019

As filed with the Securities and Exchange Commission on March 12, 2019 Registration No.

March 12, 2019 EX-2

Plan of Reorganization and Minority Stock Issuance of Pioneer Bank

Exhibit 2 PIONEER SAVINGS BANK PLAN OF MUTUAL HOLDING COMPANY REORGANIZATION AND MINORITY STOCK ISSUANCE TABLE OF CONTENTS Page 1.

March 12, 2019 EX-99.3

Appraisal Report of RP Financial, LC.

Exhibit 99.3 February 8, 2019 Board of Directors Pioneer Bancorp, MHC Pioneer Bancorp, Inc. Board of Trustees Pioneer Savings Bank 652 Albany-Shaker Road Albany, New York 12211 Members of the Boards of Trustees and Directors: At your request, we have completed and hereby provide an independent appraisal ("Appraisal") of the estimated pro forma market value of the common stock which is to be issued

March 12, 2019 EX-10.4

Pioneer Bank Board of Trustees and Executive Employees Deferred Compensation Plan (incorporated by reference to Exhibit 10.4 to the Registration Statement on Form S-1 of Pioneer Bancorp, Inc. (File No. 333-230208), initially filed with the Securities and Exchange Commission on March 12, 2019)

Exhibit 10.4 PIONEER BANK BOARD OF TRUSTEES AND EXECUTIVE EMPLOYEES DEFERRED COMPENSATION PLAN This document is drafted with the intent that it comply with Internal Revenue Code Section 409A and regulations promulgated thereunder. MassMutual Retirement Services and MyDeferral Executive Benefits have provided you this specimen document strictly in their capacity as service provider, employee benefi

March 12, 2019 EX-1.1

Engagement Letter between Pioneer Bank and Sandler O’Neill & Partners, L.P.

EX-1.1 2 tv515712ex1-1.htm EXHIBIT 1.1 Exhibit 1.1 INVESTMENT BANKING GROUP January 10, 2019 Board of Trustees Pioneer Savings Bank 652 Albany Shaker Road Albany, NY 12211 Attention: Mr. Thomas L. Amell President and Chief Executive Officer Ladies and Gentlemen: We understand that Pioneer Savings Bank (the “Bank”) has determined to adopt a Plan of Reorganization and Stock Issuance (the “Plan”) pur

March 12, 2019 EX-10.3

Pioneer Bank Targeted Incentive Plan (incorporated by reference to Exhibit 10.3 to the Registration Statement on Form S-1 of Pioneer Bancorp, Inc. (File No. 333-230208), initially filed with the Securities and Exchange Commission on March 12, 2019)

Exhibit 10.3 PIONEER BANK TARGET INCENTIVE PLAN ARTICLE I Establishment, Purpose and Duration 1.1 Establishment. This Target Incentive Plan (the ?Plan?) is adopted by Pioneer Bank (the ?Bank?), effective as of January 1, 2018 (the ?Effective Date?). 1.2 Purpose. The Plan seeks to provide participating personnel with incentives and motivation to stimulate the Bank?s profitability and growth while m

March 12, 2019 EX-99.1

Appraisal Agreement between Pioneer Bank and RP Financial, LC.

Exhibit 99.1 April 26, 2018 Thomas L. Amell President and Chief Executive Officer Pioneer Savings Bank 652 Albany Shaker Road Albany, New York 12211 Dear Mr. Amell: This letter sets forth the agreement whereby Pioneer Savings Bank, Albany, New York, (the ?Company?), has engaged RP? Financial, LC. (?RP Financial?) for independent conversion appraisal services in conjunction with the minority stock

March 12, 2019 EX-10.2

Form of Change in Control Agreement between Pioneer Bank and certain executive officers

Exhibit 10.2 TWO-YEAR CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the ?Agreement?) is made effective as of the day of , 2019 (the ?Effective Date?), by and between Pioneer Bank, a New York-chartered stock savings bank (the ?Bank?) and (the ?Executive?). Any reference to the ?Company? shall mean Pioneer Bancorp, Inc., the newly-formed the stock holding company of the Bank, or any

March 12, 2019 EX-10.1

Form of Employment Agreement between Pioneer Bank and Thomas L. Amell

EX-10.1 10 tv515712ex10-1.htm EXHIBIT 10.1 Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made and entered into, effective as of , 2019 (the “Effective Date”), by and between Pioneer Bank, a New York-chartered stock savings bank (the “Bank”) and Thomas L. Amell (“Executive”). Any reference to the “Company” shall mean Pioneer Bancorp, Inc., the newly-formed the sto

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