HIGHBuilt-inLoan_portfolio
91.4%
loans secured by real estate
“10-K Item 1A: 'approximately $1.5 billion, or 91.4%, of our total loan portfolio was secured by real estate'”
PBFS · Concentration risk · 10-K extracted
Pioneer Bancorp (PBFS) concentration risks
Updated
The most significant concentration Pioneer Bancorp discloses is loans secured by real estate at 91.4%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Pioneer Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
Capital Region of New York
“10-K Item 1A: 'our profitability depends primarily on the general economic conditions in our primary market area, the Capital Region of New York and surrounding markets'”
MEDIUMBuilt-inLoan_portfolio
27.9%
commercial real estate loans
“10-K Item 1A: 'our commercial real estate loans totaled $466.5 million, or 27.9%, of our total loan portfolio'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Pioneer Bancorp's concentration risk is built around real estate lending and a defined regional footprint. Approximately $1.5 billion, or 91.4%, of its total loan portfolio was secured by real estate, a high-share structural concentration. Profitability depends primarily on general economic conditions in its primary market area, the Capital Region of New York and surrounding markets, another high-share structural exposure. Within the real estate-heavy book, commercial real estate loans specifically totaled $466.5 million, or 27.9%, of the total loan portfolio, a medium share. All three exposures are structural rather than dependency-driven, reflecting the inherent design of a community bank's lending mix and geographic footprint rather than reliance on any single counterparty. The overwhelming real estate concentration combined with a single-region economic dependency means the bank's performance is closely tied to regional real estate and economic conditions in the Capital Region of New York specifically, with commercial real estate as a meaningful but not dominant sub-component of that broader real estate exposure.
For the engine’s reasoning on PBFS’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| PBFS● | Pioneer Bancorp, Inc. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.