Pioneer Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2024	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Interest Income on Loans	109.53	83.55	72.38	55.23	39.56
Interest Income on Investments	-	14.12	15.94	15.8	4.29
Total Interest Income	109.53	97.66	88.32	71.03	43.84
Interest Paid on Deposits	30.38	25.95	20.67	4.62	1.37
Interest Paid on Borrowings	-	0.78	1.13	0.87	0.1
Total Interest Expense	30.38	26.72	21.8	5.49	1.46
Net Interest Income	79.15	70.94	66.51	65.54	42.38
Net Interest Income Growth (YoY)	11.57%	6.66%	1.48%	54.66%	1.34%
Gain (Loss) on Sale of Assets	-	-	-	-	0.28
Gain (Loss) on Sale of Investments	-	0.33	-4.91	0.37	0
Other Non-Interest Income	17.14	17.29	15.29	13.77	13.8
Total Non-Interest Income	17.14	17.62	10.38	14.15	14.07
Non-Interest Income Growth (YoY)	-2.71%	69.73%	-26.63%	0.53%	-10.64%
Revenues Before Loan Losses	96.29	88.56	76.89	79.69	56.45
Provision for Loan Losses	3.7	0.44	2.7	-	-0.55
Revenue	92.59	88.12	74.19	79.69	57
Revenue Growth (YoY)	5.08%	18.77%	-6.90%	39.80%	6.51%
Salaries and Employee Benefits	-	29.85	28.6	26.91	25.27
Occupancy Expenses	-	8.94	6.57	6.42	6.17
Federal Deposit Insurance	-	0.95	1.09	0.86	0.77
Selling, General & Administrative	-	15.47	17.87	11.46	9.78
Other Non-Interest Expense	64.1	8.08	6.61	6.18	5.51
Total Non-Interest Expense	64.1	63.3	60.73	51.83	47.49
EBT Excluding Unusual Items	28.49	24.82	13.46	27.86	9.51
Legal Settlements	-	-	5.95	-	-1.2
Other Unusual Items	-	-	-	-	5.03
Pretax Income	26.49	24.82	19.41	27.86	13.34
Income Tax Expense	6.2	5.62	4.15	5.91	3.06
Net Income	20.29	19.2	15.26	21.95	10.28
Net Income to Common	20.29	19.2	15.26	21.95	10.28
Net Income Growth	5.66%	25.82%	-30.47%	113.52%	854.41%
Basic Shares Outstanding	24	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25
Shares Change (YoY)	-2.12%	-0.50%	0.21%	0.15%	0.25%
EPS (Basic)	0.83	0.77	0.61	0.87	0.41
EPS (Diluted)	0.83	0.76	0.61	0.87	0.41
EPS Growth	9.08%	25.47%	-30.38%	112.71%	922.53%
Effective Tax Rate	23.41%	22.65%	21.38%	21.21%	22.93%

Updated Jan 30, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q