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  <xsd:element name="CommonEquityTierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacy" id="pbfs_CommonEquityTierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" id="pbfs_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityRiskBasedRatiosAbstract" id="pbfs_CommonEquityRiskBasedRatiosAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" id="pbfs_CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" id="pbfs_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityTierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacyToRiskWeightedAssets" id="pbfs_CommonEquityTierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacyToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" id="pbfs_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CapitalRequiredWithCapitalBufferForCapitalAdequacy" id="pbfs_CapitalRequiredWithCapitalBufferForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CapitalToRiskBasedRatiosAbstract" id="pbfs_CapitalToRiskBasedRatiosAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CapitalRequiredWithCapitalBufferForCapitalAdequacyToRiskWeightedAssets" id="pbfs_CapitalRequiredWithCapitalBufferForCapitalAdequacyToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="DefinedBenefitPlanPensionPaidAsAnnuity" id="pbfs_DefinedBenefitPlanPensionPaidAsAnnuity" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanAverageOfHighestConsecutiveYearsOfTotalCompensationOverLastTenYearsMultipliedByCreditedServiceCalculatePensionFormula" id="pbfs_DefinedBenefitPlanAverageOfHighestConsecutiveYearsOfTotalCompensationOverLastTenYearsMultipliedByCreditedServiceCalculatePensionFormula" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanTotalCompensationYearUsedForAverageOfFiveHighestConsecutiveYearsMultipliedByCreditedServiceCalculatePensionFormula" id="pbfs_DefinedBenefitPlanTotalCompensationYearUsedForAverageOfFiveHighestConsecutiveYearsMultipliedByCreditedServiceCalculatePensionFormula" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanMaximumCreditedService" id="pbfs_DefinedBenefitPlanMaximumCreditedService" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanPlanAssetsRateOfReturn" id="pbfs_DefinedBenefitPlanPlanAssetsRateOfReturn" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanPlanAssetsEstimatedLongTermInflationRate" id="pbfs_DefinedBenefitPlanPlanAssetsEstimatedLongTermInflationRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployerContributionMonthlyPremiumIndividualCoverage" id="pbfs_EmployerContributionMonthlyPremiumIndividualCoverage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="EmployerContributionMonthlyPremiumEmployeeAndSpousalCoverage" id="pbfs_EmployerContributionMonthlyPremiumEmployeeAndSpousalCoverage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanEmployerMatchingContributionPercentOfMatchOne" id="pbfs_DefinedContributionPlanEmployerMatchingContributionPercentOfMatchOne" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanEmployerMatchingContributionOnePercentOfEmployeesGrossPay" id="pbfs_DefinedContributionPlanEmployerMatchingContributionOnePercentOfEmployeesGrossPay" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanEmployerMatchingContributionPercentOfMatchTwo" id="pbfs_DefinedContributionPlanEmployerMatchingContributionPercentOfMatchTwo" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanEmployerMatchingContributionTwoPercentOfEmployeesGrossPay" id="pbfs_DefinedContributionPlanEmployerMatchingContributionTwoPercentOfEmployeesGrossPay" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestExpenseBorrowingsAndOther" id="pbfs_InterestExpenseBorrowingsAndOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfRegulatoryCapitalTable" id="pbfs_ScheduleOfRegulatoryCapitalTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RegulatoryCapitalLineItems" id="pbfs_RegulatoryCapitalLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PioneerSavingsBankMember" id="pbfs_PioneerSavingsBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacy" id="pbfs_TierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacyToRiskWeightedAssets" id="pbfs_TierOneRiskBasedCapitalRequiredWithCapitalBufferForCapitalAdequacyToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ThresholdAgeForEligibilityForRetireeMedicalCoverage" id="pbfs_ThresholdAgeForEligibilityForRetireeMedicalCoverage" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumYearOfServiceForEligibilityForIndividualAndSpousalCoverage" id="pbfs_MinimumYearOfServiceForEligibilityForIndividualAndSpousalCoverage" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumYearOfServiceForEligibilityForRetireeMedicalCoverage" id="pbfs_MinimumYearOfServiceForEligibilityForRetireeMedicalCoverage" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgagorsEscrowDepositsFairValueDisclosure" id="pbfs_MortgagorsEscrowDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OtherRealEstateOwnedFairValueDisclosure" id="pbfs_OtherRealEstateOwnedFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfAllocationOfIncomeTaxExpenseBenefitToEachComponentOfOtherComprehensiveIncomeLossTableTextBlock" id="pbfs_ScheduleOfAllocationOfIncomeTaxExpenseBenefitToEachComponentOfOtherComprehensiveIncomeLossTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PensionPlanAssetsMember" id="pbfs_PensionPlanAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AmericanFundsNewWorldR6Member" id="pbfs_AmericanFundsNewWorldR6Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CohenSteersRealEstateSecsIMember" id="pbfs_CohenSteersRealEstateSecsIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FidelityCapitalIncomeFundMember" id="pbfs_FidelityCapitalIncomeFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PimcoCommoditiesPlusStratFdInstMember" id="pbfs_PimcoCommoditiesPlusStratFdInstMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PimcoLongTermCreditBondInstMember" id="pbfs_PimcoLongTermCreditBondInstMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PimcoLowDurationIncmFdIMember" id="pbfs_PimcoLowDurationIncmFdIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VanguardDevelopedMktsIndexInstMember" id="pbfs_VanguardDevelopedMktsIndexInstMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VanguardGrowthIndexFundInstlMember" id="pbfs_VanguardGrowthIndexFundInstlMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VanguardMidCapIndexFundsAdmiralMember" id="pbfs_VanguardMidCapIndexFundsAdmiralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VanguardSmallCapIMember" id="pbfs_VanguardSmallCapIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VanguardValueIndexInstlSharesMember" id="pbfs_VanguardValueIndexInstlSharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WesternAssetCoreBdFdIMember" id="pbfs_WesternAssetCoreBdFdIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CashInvestmentsMember" id="pbfs_CashInvestmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount" id="pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance" id="pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SouthwesternComplaintMember" id="pbfs_SouthwesternComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PioneerBankESOPMember" id="pbfs_PioneerBankESOPMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InsuranceRevenuesFeeMember" id="pbfs_InsuranceRevenuesFeeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WealthManagementServicesMember" id="pbfs_WealthManagementServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanLoanGrantedByCompanyToEsopNumberOfSharesPurchased" id="pbfs_EmployeeStockOwnershipPlanLoanGrantedByCompanyToEsopNumberOfSharesPurchased" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockPurchasePlanEmployerLoanTerm" id="pbfs_EmployeeStockPurchasePlanEmployerLoanTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanLoanAmount" id="pbfs_EmployeeStockOwnershipPlanLoanAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="EmployeeStockOwnershipPlanNumberOfSharesCommittedToBeReleasedAnnually" id="pbfs_EmployeeStockOwnershipPlanNumberOfSharesCommittedToBeReleasedAnnually" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="EmployeeStockOwnershipPlanSharesCommittedToBeReleased" id="pbfs_EmployeeStockOwnershipPlanSharesCommittedToBeReleased" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanCommitmentsWithRateLockAgreementsHeldForSale" id="pbfs_LoanCommitmentsWithRateLockAgreementsHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommitmentsToSellLoansToUnrelatedInvestors" id="pbfs_CommitmentsToSellLoansToUnrelatedInvestors" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ChemungCanalTrustCompanyComplaintMember" id="pbfs_ChemungCanalTrustCompanyComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ResidentialMortgageLoansServiced" id="pbfs_ResidentialMortgageLoansServiced" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ServicingAssetValuationReserve" id="pbfs_ServicingAssetValuationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FurnitureFixturesAndEquipmentMember" id="pbfs_FurnitureFixturesAndEquipmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RealEstateAcquiredThroughForeclosuresWriteOff" id="pbfs_RealEstateAcquiredThroughForeclosuresWriteOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncomeLossFromContinuingOperationBeforeMinorityInterestAndIncomeLossFromEquityMethodInvestmentsNetOfTax" id="pbfs_IncomeLossFromContinuingOperationBeforeMinorityInterestAndIncomeLossFromEquityMethodInvestmentsNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="XHAirCoolersLLCComplaintMember" id="pbfs_XHAirCoolersLLCComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromSaleOfEquitySecurities" id="pbfs_ProceedsFromSaleOfEquitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NatureOfOperationsAbstract" id="pbfs_NatureOfOperationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeBenefitPlansOtherDisclosuresAbstract" id="pbfs_EmployeeBenefitPlansOtherDisclosuresAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AssetsDefinedBenefitPlanAbstract" id="pbfs_AssetsDefinedBenefitPlanAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LitigationRelatedExpense" id="pbfs_LitigationRelatedExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BankSInterestInCashAndSecuritiesInWhichPetitionWasFiledToAdjudicateValidity" id="pbfs_BankSInterestInCashAndSecuritiesInWhichPetitionWasFiledToAdjudicateValidity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NatpayAmendedComplaintMember" id="pbfs_NatpayAmendedComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivablePledgedAsCollateralForFhlbnyBorrowingAndStandByByLettersOfCredit" id="pbfs_LoansReceivablePledgedAsCollateralForFhlbnyBorrowingAndStandByByLettersOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ValuationTechniqueAppraisalOfCollateralMember" id="pbfs_ValuationTechniqueAppraisalOfCollateralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MeasurementInputLiquidationExpenseMember" id="pbfs_MeasurementInputLiquidationExpenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ImpairedCommercialLoansMeasurementInput" id="pbfs_ImpairedCommercialLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="LeaseDisclosureTextBlock" id="pbfs_LeaseDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfQuantitativeInformationOfOperatingLeasesAndFinanceLeasesTableTextBlock" id="pbfs_ScheduleOfQuantitativeInformationOfOperatingLeasesAndFinanceLeasesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LesseeOperatingLeaseAndFinancingLeaseLiabilityMaturityTableTextBlock" id="pbfs_LesseeOperatingLeaseAndFinancingLeaseLiabilityMaturityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RightOfUseAssetsAbstract" id="pbfs_RightOfUseAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LeaseLiabilitiesAbstract" id="pbfs_LeaseLiabilitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinanceLeaseExpenseAbstract" id="pbfs_FinanceLeaseExpenseAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RightOfUseAssets" id="pbfs_RightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LeaseLiabilities" id="pbfs_LeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BankOwnedLifeInsuranceIncomeExpense" id="pbfs_BankOwnedLifeInsuranceIncomeExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PaymentsToAcquirePropertyPlantAndEquipmentNet" id="pbfs_PaymentsToAcquirePropertyPlantAndEquipmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LossContingencyCompensatoryDamagesSoughtValue" id="pbfs_LossContingencyCompensatoryDamagesSoughtValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LossContingencyDamagesSoughtByDefendant" id="pbfs_LossContingencyDamagesSoughtByDefendant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CachetFinancialServicesAmendedComplaintMember" id="pbfs_CachetFinancialServicesAmendedComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SpecificAssetsAcquiredJuly2023Member" id="pbfs_SpecificAssetsAcquiredJuly2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredTaxAssetsLeaseLiabilities" id="pbfs_DeferredTaxAssetsLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DeferredTaxLiabilitiesUnfundedDefinedBenefitAndPostretirementBenefitPlanAssets" id="pbfs_DeferredTaxLiabilitiesUnfundedDefinedBenefitAndPostretirementBenefitPlanAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TotalAllowanceForCreditLossesRollForward" id="pbfs_TotalAllowanceForCreditLossesRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TotalAllowanceForCreditLosses" id="pbfs_TotalAllowanceForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TotalAllowanceForCreditLossesWriteoff" id="pbfs_TotalAllowanceForCreditLossesWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TotalAllowanceForCreditLossesRecovery" id="pbfs_TotalAllowanceForCreditLossesRecovery" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableCollateralDependentAmount" id="pbfs_FinancingReceivableCollateralDependentAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfCollateralDependentLoansTableTextBlock" id="pbfs_ScheduleOfCollateralDependentLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment" id="pbfs_FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment" id="pbfs_FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablesIndividuallyEvaluatedForImpairment" id="pbfs_FinancingReceivablesIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablesCollectivelyEvaluatedForImpairment" id="pbfs_FinancingReceivablesCollectivelyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleAccruedInterest" id="pbfs_DebtSecuritiesAvailableForSaleAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAccruedInterest" id="pbfs_DebtSecuritiesHeldToMaturityAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableAccruedInterest" id="pbfs_FinancingReceivableAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForImpairmentNet" id="pbfs_FinancingReceivableIndividuallyEvaluatedForImpairmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsEstimatedFairValue" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerEstimatedFairValue" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValueAbstract" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossesAbstract" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProvisionForCreditLosses" id="pbfs_ProvisionForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShareBasedPaymentArrangementOptionInformationTableTextBlock" id="pbfs_ShareBasedPaymentArrangementOptionInformationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaymentsForProceedsFromFederalHomeLoanBankAndFederalReserveBankStock" id="pbfs_PaymentsForProceedsFromFederalHomeLoanBankAndFederalReserveBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopCompensationExpenseNoncash" id="pbfs_EmployeeStockOwnershipPlanEsopCompensationExpenseNoncash" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber" id="pbfs_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedOutstandingNumber" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpectedToVestOutstandingNumber" id="pbfs_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpectedToVestOutstandingNumber" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="EquityIncentivePlan2020Member" id="pbfs_EquityIncentivePlan2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IndividuallyEvaluatedLoansCommercialValuationTechniqueExtensibleEnumeration" id="pbfs_IndividuallyEvaluatedLoansCommercialValuationTechniqueExtensibleEnumeration" type="enum2:enumerationSetItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" enum2:linkrole="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" enum2:domain="us-gaap:ValuationTechniqueDomain" enum2:headUsable="false" />
  <xsd:element name="IndividuallyEvaluatedLoansCommercialMeasurementInputExtensibleEnumeration" id="pbfs_IndividuallyEvaluatedLoansCommercialMeasurementInputExtensibleEnumeration" type="enum2:enumerationSetItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" enum2:linkrole="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" enum2:domain="us-gaap:MeasurementInputTypeDomain" enum2:headUsable="false" />
  <xsd:element name="MortgageBackedSecurityIssuedByUsGovernmentAgencySecuritiesMember" id="pbfs_MortgageBackedSecurityIssuedByUsGovernmentAgencySecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CollateralizedMortgageObligationsIssuedByUsGovernmentAgencySecuritiesMember" id="pbfs_CollateralizedMortgageObligationsIssuedByUsGovernmentAgencySecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProceedsFromPaymentsForFederalHomeLoanBankAdvances" id="pbfs_ProceedsFromPaymentsForFederalHomeLoanBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprises1Member" id="pbfs_MortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprises1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod" id="pbfs_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearTransitionPeriod" id="pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearTransitionPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoffTransitionPeriod" id="pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoffTransitionPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYear" id="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYearWriteOff" id="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYearWriteOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FederalHomeLoanBankOfNewYorkAndFederalReserveBankOfNewYorkStockPolicyTextBlock" id="pbfs_FederalHomeLoanBankOfNewYorkAndFederalReserveBankOfNewYorkStockPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BankOwnedLifeInsurancePolicyTextBlock" id="pbfs_BankOwnedLifeInsurancePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CashReserveRequirementPolicyTextBlock" id="pbfs_CashReserveRequirementPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ProceedsFromSaleOfLoans" id="pbfs_ProceedsFromSaleOfLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNumberOfContractsModified" id="pbfs_FinancingReceivableNumberOfContractsModified" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AcquisitionContingentConsiderationPayable" id="pbfs_AcquisitionContingentConsiderationPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredTaxAssetDebtSecuritiesAvailableForSaleUnrealizedGainLoss" id="pbfs_DeferredTaxAssetDebtSecuritiesAvailableForSaleUnrealizedGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SpecificAssetsOfBrownFinancialManagementGroupLlcMember" id="pbfs_SpecificAssetsOfBrownFinancialManagementGroupLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ExercisePriceRangeUsd9.39Member" id="pbfs_ExercisePriceRangeUsd9.39Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ExercisePriceRangeUsd11.77ToUsd12.62Member" id="pbfs_ExercisePriceRangeUsd11.77ToUsd12.62Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ExercisePriceRangeUsd14.46Member" id="pbfs_ExercisePriceRangeUsd14.46Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncreaseDecreaseInOperatingLeaseLiabilitiesDueToModificationOfLease" id="pbfs_IncreaseDecreaseInOperatingLeaseLiabilitiesDueToModificationOfLease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncreaseDecreaseInRightOfUseAssetsDueToModificationOfLease" id="pbfs_IncreaseDecreaseInRightOfUseAssetsDueToModificationOfLease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
