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Table of Contents ☑ ☐ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Year Ended June 30 , 2021 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number : 001-38991 Pioneer Bancorp , Inc. Maryland ( Exact Name of Registrant as Specified in its Charter ) ( State or other jurisdiction of incorporation or organization ) 652 Albany Shaker Road , Albany New York ( Address of principal executive offices ) ( 518 ) 730-3025 83-4274253 ( I.R.S. Employer Identification Number ) ( Registrant's telephone number including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : 12211 ( Zip code ) Title of each class Common Stock , par value $ 0.01 Trading Symbol ( s ) PBFS Name of each exchange on which registered The Nasdaq Stock Market , LLC Securities registered pursuant to Section 12 ( g ) of the Act : None No ☑ Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes ☐ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . Yes ☐ No ☑ Indicate by check mark whether the registrant : ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes > No □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or such shorter period that the registrant was required to submit such files ) . Yes > No □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of “ large accelerated filer , ” “ accelerated filer , ” “ smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated □ filer Accelerated □ filer Non - accelerated ☑ filer ☑ Smaller reporting & Emerging growth company ☑ company Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . □ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . □ Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes ☐ No ☑ The aggregate value of the voting and non - voting common stock held by non - affiliates of the registrant , computed by reference to the closing price of the common stock of $ 10.57 as of December 31 , 2020 was $ 112.1 million . As of September 27 , 2021 there were 25,977,679 shares outstanding of the registrant's common stock . DOCUMENTS INCORPORATED BY REFERENCE The registrant incorporates by reference its definitive Proxy Statement with respect to its 2021 Annual Meeting of Shareholders , to be filed with the Securities and Exchange Commission within 120 days following the end of its fiscal year , into ( Part III ) of this Annual Report on Form 10 - K .