EX-21 2 pbfs-20230630xex21.htm EX-21

EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT


Name		Percent Ownership		State of Incorporation

Pioneer Bank		100%		New York

Pioneer Commercial Bank*		100%		New York

Anchor Agency, Inc.*		100%		New York

Pioneer Financial Services, Inc.*		100%		New York

* Subsidiary of Pioneer Bank