Pioneer Bancorp Inc. reported net income of $4.3 million, or $0.18 per basic and diluted share, for the third quarter ended September 30, 2025, compared to $6.3 million, or $0.25 per basic and diluted share, for the same period in 2024. For the nine months ended September 30, 2025, net income was $16.5 million, or $0.67 per basic and diluted share, up from $15.0 million, or $0.59 per basic and diluted share, for the nine months ended September 30, 2024. The net interest margin for the third quarter of 2025 was 4.2%, an increase of 0.04 percentage points from the third quarter of the previous year. Total assets at September 30, 2025, were $2.2 billion, with $1.6 billion in net loans receivable, $254.5 million in securities available for sale, and $228.6 million in cash and cash equivalents. Deposits totaled $1.9 billion, with a base diversified across retail (49%), commercial (19%), and municipal (32%) customer relationships. Shareholders' equity was $314.2 million at September 30, 2025, an increase of $9.6 million from December 31, 2024. This change was driven by net income and an increase in accumulated other comprehensive income, partially offset by the repurchase of common stock totaling $10.9 million. The company maintained a Tier 1 (leverage) capital to average assets ratio of 11.5% at the end of the period. During the quarter, Pioneer Bancorp completed the acquisition of Brown Financial Management Group, LLC, adding $73 million in assets under management to its wealth management subsidiary.