EX-21 3 pbfs-20241231xex21.htm EX-21

EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT

Name

    

Percent Ownership

    

State of Incorporation

Pioneer Bank, National Association

100%

New York

Pioneer Insurance Agency, Inc.*

100%

New York

Pioneer Financial Services, Inc.*

100%

New York


*    Subsidiary of Pioneer Bank, National Association