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Pioneer Bancorp, Inc. PBFS Federal Home Loan Bank Advances Interest Rate

Federal Home Loan Bank Advances Interest Rate at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
3.7%-0.8pp
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
4%-0.6pp
WaFd, Inc. logo
WaFd, Inc.WAFD
2.4%-1.0pp
GBC
Glacier BancorpGBCI
4.6%-0.1pp
Peapack-Gladstone Financial logo
Peapack-Gladstone FinancialPGC
3.9%
Community Financial System logo
Community Financial SystemCBU
3.4%

Other financials

Income statement

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Revenue$24.6M+7.9%
Net income$5.3M-8.2%
EPS (diluted)$0.22-4.3%

Balance sheet

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Cash & equivalents$156.9M+12.4%
Total debt$54.4M+20.3%
Total equity$328.6M+5.8%
Total assets$2.2B+7.3%

Cash flow

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Operating cash flow-$161.0K+95.4%
CapEx$112.8K
Free cash flow$6.5M

Valuation

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Market cap$420.91M+46.8%
P/E21.2×+3.7×
P/S4.3×+0.9×

Profitability

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Net margin20.2%+0.8pp
FCF margin32.4%

Returns & leverage

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Return on equity6.2%+0.8pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by Pioneer Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FederalHomeLoanBankAdvancesInterestRate.

The official record: Pioneer Bancorp, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pioneer Bancorp, Inc.'s federal home loan bank advances interest rate?
Pioneer Bancorp, Inc. (PBFS) reported federal home loan bank advances interest rate of 4% in Q4 2025.
What does federal home loan bank advances interest rate mean?
This represents the weighted average interest rate paid on borrowings obtained from the Federal Home Loan Bank (FHLB) system. As a key component of the bank's wholesale funding strategy, this rate reflects the cost of liquidity and the bank's sensitivity to broader interest rate environments. Investors use this to evaluate the efficiency of the bank's funding mix and its ability to manage net interest margin pressures.