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

EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT

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Name

    

Percent Ownership

    

State of Incorporation

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Pioneer Bank, National Association

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100%

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New York

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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


*    Subsidiary of Pioneer Bank, National Association