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Item 2.02 – Results of Operations and Financial Condition On July 30, 2026, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three and six months ended June 30, 2026. A copy of the earnings release is included as Exhibit 99.1 to this report. The information in the preceding paragraph, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that Section, and shall not be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act.