Pioneer Bancorp, Inc. is a bank holding company that operates Pioneer Bank, a regional community bank headquartered in the Capital Region of New York, with retail banking and wealth management offices across multiple counties. The bank generates revenue primarily through lending—focused on commercial real estate, residential mortgages, and commercial-and-industrial loans to small and medium-sized businesses—supplemented by deposit services, investment securities holdings, and fee-based services including wealth management, insurance products, and consulting through its subsidiaries. The bank serves individuals, small-to-medium businesses, and municipalities in a region with a diversified economy, competing with both regional and money center banks as well as non-traditional financial service providers.