Pioneer Bancorp Inc

Pioneer Bancorp, Inc. is a bank holding company whose wholly owned subsidiary is Pioneer Bank, National Association (the Bank). The Company provides diversified financial services through the Bank and its subsidiaries, with approximately 22 offices in the Capital Region of New York State, and offers an array of deposit, lending, and other financial services to individuals, businesses, and municipalities. Its principal lending activity has been originating commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans and lines of credit. Its primary market area encompasses Albany, Greene, Rensselaer, Saratoga, Schenectady and Warren Counties, where its offices are located, and their contiguous counties, which are located in the Capital Region and include the cities of Albany, the capital of New York, Schenectady and Troy. The Bank’s wholly owned subsidiaries are Pioneer Insurance Agency, Inc. and Pioneer Financial Services, Inc.