Pioneer Bancorp (PBFS) insider files Form 3 showing 0 shares

Rhea-AI Filing Summary

Pioneer Bancorp, Inc. (PBFS) disclosed an initial insider ownership filing on Form 3. The reporting person is an Officer, serving as EVP - Chief Credit Officer, with a reportable event date of 10/20/2025.

The filing lists 0 shares of common stock beneficially owned in direct form and shows no derivative securities. The Form 3 was filed by one reporting person.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Ratsep Thomas E.

Role EVP - Chief Credit Officer

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 0 shares (Direct)

Footnotes (1)

Understanding Insider Trading Forms →

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Ratsep Thomas E.

(Last) (First) (Middle)

652 ALBANY SHAKER ROAD

(Street)

ALBANY NY 12211

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
10/20/2025

3. Issuer Name and Ticker or Trading Symbol
Pioneer Bancorp, Inc./MD [ PBFS ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP - Chief Credit Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	0	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Benjamin Azoff, pursuant to power of attorney	10/23/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did PBFS file and what does it represent?

PBFS filed a Form 3, an initial statement of beneficial ownership under Section 16(a).

Who is the reporting person’s relationship to PBFS?

The reporting person is an Officer, titled EVP - Chief Credit Officer.

How many PBFS common shares are beneficially owned?

The filing reports 0 shares of common stock, held directly.

Were any derivative securities reported?

No. The filing shows no derivative securities listed in Table II.

What is the date of the event requiring the statement?

The event date is 10/20/2025.

Was the Form 3 filed by one person or multiple persons?

It was filed by one reporting person.

What is the issuer name and ticker?

The issuer is Pioneer Bancorp, Inc./MD with ticker PBFS.