Original filing (PDF)20251015141403NAL0002549235001

PIONEER BANK

Name: PIONEER BANK — PIONEER BANK EMPLOYEE STOCK OWNERSHIP PLAN, Form 5500 (2024)
Creator: PIONEER BANK

Form 5500

FILING_RECEIVED

PIONEER BANK EMPLOYEE STOCK OWNERSHIP PLAN

Defined-contribution retirement plan

Signals · 3

94% in single holding94% employer stockNo recordkeeper disclosed

Active participants

128

Accounts w/ balance

215

Plan assets (EOY)

$9.5M

Net assets (EOY)

$9.5M

How this plan invests

This plan

2 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 100

Grade B

Above-average plan

Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.

Compliance & disclosures

100

Concentration risk

Total plan cost

Vendor stack

Participation health

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PIONEER BANK.

Plan sponsor

Name

PIONEER BANK

EIN

85-0065555

Address

3000 NORTH MAIN STREET · ROSWELL, NM · 88201

Phone

(575) 624-5255

Industry

Commercial Banking· Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

005

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

Pension benefit codes

2E · Profit-sharing

2I · Stock bonus

2O · ESOP (non-leveraged)

2Q · S-corporation ESOP

3I · Requires investment in employer securities

Audit & trust (Schedule H)

Auditor

CARON AND BLETZER, PLLC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

No Schedule C providers reported

Investments

2 direct securities· $9.4M(99% of reported assets)

PI	Investment	Type	Shares / units	Cost	Current value	% of plan
	Pioneer Bancorp, Inc. Common Stock Common stock	—	—	$5.0M	$8.8M	92.5%
	Interest-Bearing Cash Interest-bearing cash	—	—	$592K	$592K	6.2%

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