EX-21 2 pbfs-20251231xex21.htm EX-21

EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT

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Name

  ​ ​ ​

Percent Ownership

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Jurisdiction of Incorporation

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Pioneer Bank, National Association

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100%

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United States

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Pioneer Insurance Agency, Inc.*

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100%

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New York

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Pioneer Financial Services, Inc.*

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100%

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New York

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Pioneer Consulting Solutions, Inc.*

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100%

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New York

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Pioneer Capital Markets Holdings, Inc.

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100%

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Delaware

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Pioneer Capital Markets, Inc.**

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100%

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Delaware


*    Subsidiary of Pioneer Bank, National Association

** Subsidiary of Pioneer Capital Markets Holdings, Inc.