<SEC-DOCUMENT>0000000000-20-006403.txt : 20210326
<SEC-HEADER>0000000000-20-006403.hdr.sgml : 20210326
<ACCEPTANCE-DATETIME>20200714175855
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-20-006403
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20200714

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Pioneer Bancorp, Inc./MD
		CENTRAL INDEX KEY:			0001769663
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				834274253
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		652 ALBANY-SHAKER ROAD
		CITY:			ALBANY
		STATE:			NY
		ZIP:			12211
		BUSINESS PHONE:		(518) 730-3999

	MAIL ADDRESS:	
		STREET 1:		652 ALBANY-SHAKER ROAD
		CITY:			ALBANY
		STATE:			NY
		ZIP:			12211
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<TEXT>
United States securities and exchange commission logo





                             July 14, 2020

       Thomas Amell
       Chief Executive Officer
       Pioneer Bancorp, Inc.
       652 Albany Shaker Road
       Albany, New York 12211

                                                        Re: Pioneer Bancorp,
Inc.
                                                            Form 10-Q filed May
14, 2020
                                                            File No. 001-38991

       Dear Mr. Amell:

              We have limited our review of your filing to the financial
statements and related
       disclosures and have the following comments. In some of our comments, we
may ask you to
       provide us with information so we may better understand your disclosure.

              Please respond to these comments within ten business days by
providing the requested
       information or advise us as soon as possible when you will respond. If
you do not believe our
       comments apply to your facts and circumstances, please tell us why in
your response.

                                                        After reviewing your
response to these comments, we may have additional comments.

       March 31, 2020 Form 10-Q

       Note 1. Summary of Significant Accounting Policies, page 9

   1.                                                   We note your disclosure
that you concluded your preferred stock holdings are not
                                                        considered equity
securities subject to ASU 2016-01. Please provide us your accounting
                                                        analysis supporting
this conclusion. Specifically detail how you considered if the
                                                        securities met the
definition of an equity security and discuss how the redemption
                                                        provisions impacted
your accounting determination.
       Note 8. Commitments and Contingent Liabilities, page 29

   2.                                                   We note your disclosure
related to the materiality of your legal proceedings on page 31. In
                                                        accordance with ASC
450-20-50, please revise future filings to clearly disclose the
                                                        following information
for your loss contingencies in aggregate or individually:

                                                              The amount or
range of reasonably possible losses in addition to amounts accrued, or
                                                              That reasonably
possible losses cannot be estimated, or
 Thomas Amell
Pioneer Bancorp, Inc.
July 14, 2020
Page 2
                That any reasonably possible losses in addition to amounts
accrued are not material to
              your financial statements.
Potentially Fraudulent Activity, page 44

3.       Please provide us with detailed background information, including a
timeline of the
         potential fraud and tell us how you determined that the potentially
fraudulent activity was
         a Type II nonrecognized subsequent event and not a Type I recognized
subsequent event
         as of June 30, 2019. Refer to ASC 855-10-25 for guidance.
Additionally, please provide
         us all the facts and circumstances related to the potential exposure
from the deposit
         activity and explain your legal right of setoff that resulted in the
non-interest expense
         charge of $2.5 million in the first fiscal quarter of 2020. Your
response should also
         address at a minimum:

                Terms of the loan, including whether this loan was
collateralized;
                Any renewals or modifications to the loan;
                Whether this loan was impaired at June 30, 2019 or downgraded
throughout the year;
                How many other banks participated in this loan; and
                An update of the DOJ complaint.
4.       We note your disclosure that during the third fiscal quarter of 2020
(the quarter ended
         March 31, 2020) you recognized a partial recovery in the amount of
$1.7 million related to
         the charge-off of the Mann Entities commercial loan relationships.
Please provide us
         additional information about this recovery and how you determined the
partial recovery
         amount recognized.
       In closing, we remind you that the company and its management are
responsible for the
accuracy and adequacy of their disclosures, notwithstanding any review,
comments, action or
absence of action by the staff.

      You may contact Michael Volley, Staff Accountant, at 202-551-3437 or Amit
Pande,
Accounting Branch Chief, at 202-551-3423 with any questions.



FirstName LastNameThomas Amell                                 Sincerely,
Comapany NamePioneer Bancorp, Inc.
                                                               Division of
Corporation Finance
July 14, 2020 Page 2                                           Office of
Finance
FirstName LastName
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